Complaint / Review
Wachovia
Charged 12 overdraft charges that happened because of their erro

I have received direct deposit from my work for over a year. Well last month I had unauthorized charges on my account so Wachovia opened a new account for me. I was told my direct deposits would still go through but would be delayed a couple business days. I needed to pay bills so I went to the Sedona branch and deposited 600 dollars.

Over the Weekend I used my debit card 12 times and spent most of my money in the account. On Tuesday morning I checked my balance and appeared I had gotten my direct deposit. So I went to the ATM that morning and withdrew $600. A few days later I get 12 overdrafts for $35 each and my account almost goes a -$1000. I was in shock and after going over the math the only way this could have happened is the Sedona bank deposited my $600 twice and then secretly removed it. I went to my work and found out they wrote me a check because I told them I had a new account now and they do a test deposit before a real one and I didn't know they did that.

But the truth is I would have never withdrawn the 600 dollars if it hadn't been for Wachovia's doubling post error. I would have seen there were no funds and talked to my work then. And the worst is they hid the fact they did it and are expecting me to pay the overdraft fees. The fees were $420 and I got them to knock off $140 but why should I have to pay $280 for the banks mistake?

And I don't have proof they double posted the charge but they returned a $32 charge in the past when I didn't have funds and I tried to withdrawal $20 once knowing I didn't have the money and the atm said insufficient funds and gave me no money.

Fact is I don't mind paying fees that are my fault I have paid many but this is wrong because THEIR mistake is going to cost me $280 and they aren't even honest about making the mistake. I could have never gotten the atm funds with negative funds especially when I had 12 holds on my debit card.

Does anyone have any advice on what I should do? Should I pay it or fight it? If I fight it what are my options. Thanks for reading.