I deposited CASH first thing friday morning (July25) to cover payments that had to be made on the 23rd but go to a separate bank... So it always takes THREE days to clear.
When I checked my account online on saturday the 26th I found $70 in nsf fees with no account of what they were for. So I called the bank and was told that they were for checks written on the 23rd. I said, but those checks didnt come in until the night of the 25 and still arent even logged into my account. They couldnt have bounced on the 25th because the money was there that morning in CASH.
They told me the checks came in on the 24th... Which is impossible since they were written to a different bank and it takes three days to clear from the retailer to their bank to my bank... (this was wachovias own advice to me several months ago)
Then the man told me that he could see when the checks were written and at the time they were written there wasnt enough in my account to cover it... This tells me that they have a 'sometimes' practice of being spiteful and bouncing things after the fact... That didnt reach them until money was in the bank but because they see when the check was written they spitefully bounce it anyway.
This is not the first time they have wrongfully taken money from our accounts. Back in December they charged nsf fees due to a purchase that was made when there was PLENTY of money in the account to cover it... Making other stuff bounce in the long run because of a bunch of incorrect nsf fees. THEN over a month later. They charged NSF fees AGAIN for the same transaction that supposedly took place back in december... And their excuse was that the money didnt get pulled til January.
So which is it? Did the same purchase OD the account in December or in January because it cant be both they tried to say that the money was on hold in December... So it bounced the account (which makes no sense) but then when the money was taken... in JANUARY supposedly (there wasnt enough to cover it... But it was on hold??? So why wouldnt it have been there waiting???
They have the upper hand because they can change their computer records to say whatever they want them to say and it ends up being your word agains theirs... They they try and confuse you by talking in circles.
Their rules change with the wind and they have stolen thousands of dollars from us over the last 3 years. They dont care who they steal from, senior citizens, people on low fixed incomes, even their own employees are treated poorly. If a wachovia employee is unfortunate enough to become a victim of id theft or fraud... They get fired... If their bank account gets overdrawn... By accident... They get fired. What happened to humanity?
Its no wonder wachovia is going under.
Unfortunately it seems that all banks are taking on these dishonest practices and seem to be above the law.
I say run far and fast from all banks.
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