I went to Las Vegas for two weeks and when I came back I had one of those postcards from Wachovia which stated I had an overdraft. I went online and discovered I had $82.00 in NSF fees, so I called them to see if I could get them waived. The person on the phone said they sometimes waive the fees for people but I haven't been a customer for long enough. Then I checked the transactions to see how I could have overdrawn my account, because I was keeping track of my balances online. I had a payment to my credit card for $64.00 that was taken out on 8/27 and I was $2.23 short because they charged me $4.00 for using a non Wachovia ATM on 8/25. So they charged me a $22.00 NSF fee. Then on 9/2 they charged me another $35.00 NSF fee because the credit card company tried to take the money out again. Then on 9/3 I spent $31.29 on my debit card and was charged another $35.00 NSF fee. When I spent the $31.29 on my debit card on 9/3 I had just checked my balance online and it was shown as available. I would not have used the non Wachovia ATM If I had known about the fees. I was checking my balance everyday so If I saw any of those fees I would have put deposited more money to cover the expense. It took a week to post the fees so I just kept on racking up the fees and then I spent more money and got more fees.
They purposely don't post transactions In a timely matter so they can rack up more fees. I have a negative balance of $61.52 and they will not close the account because it has a negative balance. I have spent hours reading the stories of all the people who have been charges all these outrageous fees by Wachovia and their policy of clearing the biggest item first so they can rack up extra fees on all the smaller transactions.
These fees are being paid by the middle and lower class people who really can't afford it. For someone who is living paycheck to paycheck, $300 in fees really hurts, its gas money, food money, and utilities money. I am not just going to take this without a fight.
I read about Karney Hatch (the film maker) who took Wells Fargo to small claims court over excessive overdraft charges and won. I am going to file a small claims court case over this, I may not win but It will take recourses away from Wachovia for them to fight It. I am going to post my story on as many websites as I can find and report this to the Better Business Bureau and consumer advocacy agencies working on this issue. I'm also going to complain to congress and I read that there is a class action lawsuit that was approved so maybe I can join that. I have a Wachovia branch a block away from my house so I am going to make ten one cent deposits everyday in the ATM so I can cost them as much money as possible to process them. I'm sure I can cost this veiled criminal enterprise known as Wachovia more money in court costs and lost customers that the $82.00 they stole from me.
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