Complaint / Review
Wachovia Bank
Charges Overdraft Fees on a positive balance then can't and won't provide proof they are legitimate charges

For a week, I've been trying to get someone at Wachvia Bank whether it's at the local branch office or customer service line, a proof of Overdraft Fees they charged on my positive account balance.

They charge these fees on "hold amount" even before any money was exchanged between the Wachovia Bank and the Vendor. When I requested every rep I spoke to, a written proof that shows negative balance causing the overdraft fees, they can't provide a proof and they absolutely will not provide one because they just can't justify the charges.

When I say, "if you can't proof that I owe you, you can't just blindly take my money for it is not legitimate charges". They still won't waive the fees. When I cornered this one rep, Courtney at 877-454-3360 ext 66173, she put me on hold for a long time then hung up on me. So far I encountered 2 at the local branch and about 7 at customer service line, not a single rep can provide me a proof that I owe this overdraft fees. One rep at the local branch, Ed Baek, explained why the fees were charged but when I asked him to send me a written proof, he will not respond to my email. They all read the same script and danced around my questions. When I corner them, they just can't prove that I owe the fees. I can sense they are good people just making a living representing this dirty Wachovia Bank and unfortunately became part of this dirty unfair banking practice. I feel sorry for these individuals.

I am learning that due to Banks loosing money from foreclosure market, they are trying every dirty trick possible to make up for the loss. We the consumers are blindly being robbed.

Next thing I might do is take them to a small claims court. I just love it. I have won every case I took to small claims court so far and I am confident I will win this one too if I take it to court. If they can't bring the proof to court and can't provide a disclosure how they charge their overdraft fees on "hold amounts" as they have not been able to, well, they will loose and they will have to give me my money back.