I opened the account with the intention of using it as a savings account, but as hard times fell on me, such as being unemployed and such, my other account at another bank had fallen into the drink.
I began relying on the wachovia account, and did not realize, because i had REFUSED it, that signing on with a free checking account means you automatically sign up for way2save. It is only supposed to move 1 dollar, but it regularly moved 2 to 5 dollars from my checking to savings, and it throws me off when I make purchases, because there is no guideline on how much will come out. It recently caused me to bounce a check to a docotr's office for my diabetes.
In September, when I initially noticed a problem, however, it wasn't because of the savings account. For some reason, there was simply hundreds of dollars missing. I couldn't find the money anywhere. And I found on their website that they have your money listed two ways, the actual amount and the posted amount, and I have noticed that they will refuse to pay a bill for me, even though I have the actual amount of money in there, if that fake posted amount isn't enough. They limit my spending ability, and that is stressfull when I am buying insulin!
They send their notices 2 weeks after the negative transactions happen, and they don't process things on time.
Two weeks ago, I ordered jewelry supplies from a reputable company I have worked with for years. I knew, because I had just looked at the amount online, that I had enough in the account for the order and then some. So I wait for my order, and last friday, deposited 100 into the account, checked the balance immediately. The following Monday, I get a notice in the mail saying that 2 dollars moved to way2save, lowing the account before the transaction could take place! That is supposed to happen AFTER, isn't it? Anyway, the account was under because of the way2save taking the money, more than it wa supposed to and before the transaction was even fully processed.
I found out about this most recent unfair activity after dropping a 90 dollar check at a walk-in physicains facility, and had to call them, tell them I found out that Wachovia screwed me, promise to come in with cash. That's really embarrassing. Then I had to call in a stop payment on the check.
This is ridiculous. Not only are they stealing from me, they are cheating me with a savings account!
I know it has happened other times, too, and my fiance had to close his account because they caused us to bomb mortgage payments on BOTH accounts. I have had nothing but trouble since I opened that account!
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