Please contact me if any class action law suits begins against Wachovia and the way they handle checking and savings accounts. I have a very good case, as I have lost thousands in fees to them.
Wachovia consistently charges me fraudulent overdraft and unavailable fees to my account. Some times, charging me two fees per transaction, which they say is perfectly legal. According to them I can be charged an NSF fee and an unavailable funds fee.???
They do this, first of all, by "stacking" my transactions. So lets say I have a balance of 50 dollasrs. I spend 5 dollars at this gas station, and then 10 dollars at a restaraunt on Monday, and my account balance is 35 dollars AFTER spending that money. Then I forget that I spent that money on Monday and spend the whole 50 dollars on Wednesday, they will take that 50 dollar transaction out first, leaving me to get two 35 dollar fees for the 5 dollar and 10 dollar transaction that I spent on Monday!
How is this fair? The money I spend should be taken out in the order I spend it. Not the order that the bank sees as best so that they can make more money off of me. I am a hard working mother of three children, and all of my money is needed for bills and expenses. I cannot afford to PAY the bank ridiculous fees on top of the bills that I pay.
Second of all, I have caught them charging me an overdraft fee for something that never would have made my account negative, causing me to GO negative and get hit with 4 or 5 more overdraft fees for small transactions that would have been covered had they not taken that first overdraft fee of 35 dollars out!!!
That one instance described above, I managed to get some of my money back that they had taken out in "FEES" but since then I have not been able to get them to budge. It's as if they train their people to hide what really happens, and train them to convince the customer that the fees are perfectly legal and substantiated.
Not only are their practices wrong and illegal in my eyes, but their representatives are VERY rude.
So while those big bad bank executives sit on their thrones in their million dollar mansions and try to decide what to have to eat that day, sushi that costs 50 dollars per person, or french cuisine that costs 50 dollars per person; I am at home trying to figure out how I am going to feed my children and buy gas to get to work because I had to give away 210 dollars in over draft fees today.
Thanks Wachovia, for being the "#1 bank in customer satisfaction." Whatever.
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