Wachovia is a screw their customer bank also! If you have a charge "on hold" that counts against your available balance. If you make a large purchase, and a large deposit, the purchase goes "on hold" immediately - authorizing a future payment, the deposit takes time to clear. Here's where it gets fuzzy - and their customer service rep doesn't understand why either (except to screw their customer). The previous "on hold" items are presented for payment resulting in an overdraft. This is caused by the "on hold" large payment which still has not been presented for payment. These items are charged an overdraft charge, as is the "on hold" item which caused all of this rucus (still not yet actually presented for payment) all the while waiting for the deposit to clear.
My question is how can they justify charging overdrafts for funds they have not actually released? Why did they ignore the deposit in process - it was a cash after hours ATM deposit. They gave themselves the benifit of the doubt so they could charge an exorbidant number of overdraft fees!
So long walk over ya bank you f*ing thieves!
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