I have recently moved my small business account from Wachovia over to Compass Bank. Those folks are SO nice... And NO monthly fee for doing business with them via my business! What a concept, huh?
The reason for this complaint is this...
My roommate is atrocious with his money, no doubt there. He banks with Wachovia, as well as i do-STILL-with my Personal Account... Just haven't had the time to switch it over, as I have numerous insurance pmts. And stock direct purchase w/drawals, etc. To deal with first. My roomie has overdraft protection, so Wachovia ALWAYS pays his overdrafted checks, NO MATTER WHAT. I see his little postcards that they send him, informing him that...
A) you are overdrafted...
B) since we're such nice folks, Wachovia has gone ahead and PAID this check for you, instead of RETURNING IT.
C) B.T.W.-we will, of course, take $35 out of your account for NSF.
NOW, here's the beef... And thanks for reading thru my whole, boring set-up!
He wrote me a WACHOVIA check last week for his part of the expenses, etc.
I deposited this check into MY personal account at the WACHOVIA Bank...
And guess what, folks?
WACHOVIA, for a change, decided to RETURN the NSF check to me... Wonder why? BECAUSE IT CAUSED MY PERSONAL ACCOUNT TO GO INTO "OVERDRAFT MODE", thus causing ME to bounce two checks, resulting in MY having to pay $35 x 2= $70 in fees! My roomie, because he wrote a bad check, will be billed $35 for it... WACHOVIA now up $105.00!! Congrats, my dear CRIMINALS!
POINTS TO UNDERSTAND... AND ALSO MAKE ME LIVID...
A) Wachovia, over the past three months (at least) have NEVER failed to honor one of my roommate's checks or debit card purchases... NEVER! He has OVERDRAFT PROTECTION, so they are supposed to honor any of them anyway!
B) Wachovia's scandolous computers, I do believe, saw a Wachovia to Wachovia checking transaction, and thus/therefore calculated that it should BOUNCE this check, seein' as how it would thus make ME BOUNCE some checks... How convenient, huh?
I am going to the branch today to present my evidence... We'll see what happens... Again, over the past three months or more, you guys have never, never, ever bounced one of my roommate's checks... NEVER! Now he writes ME a check that will bounce my account if you DON'T pay it, and guess what... They all-of-a-sudden, up and decide to BOUNCE HIS CHECK AND NOT HONOR IT!
What a rip-off... I hope this bank, now that Wells Fargo has kicked them around a bit and told them to "hit the road", gets TRADED BACK AND FORTH BETWEEN EVERY MAJOR BANKING PLAYER, LIKE A CHEAP, 2-BIT YOU-KNOW-WHAT... Because wachovia only deserves the very, very best...!
haha
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