I do not have the exact numbers because I'm chasing after 2 toddlers and trying to do this on the fly. I just want to put my two cents in, also. I've noticed that a lot of people have the same complaint I do & I would love to help out with a class - action lawsuit.
At the end of January '09, I logged in to my wachovia.com account to check the balance only to find it about $400 lighter than it should have been.
I had 9 $35 NSF/unavailable funds fees on my account. I put a call into the customer service line and was fed a bunch of BS about 'you had check card holds that exceeded your balance'... However, there was enough in the account to cover not only the holds, but 6 of the 9 $35 fees (I was $100 overdrawn - all from NSF fees). I fail to understand how they can charge me NSF/unavailable funds fees if there is enough in the account to cover the charges PLUS the fees they charged me?!?!?! In addition to that, there were only 6 transactions that could have possibly caused my account to go into the negative (although none of them would have) and I was charged 9 fees.
I was told by the CSR that they could credit me with 15% of what they charged me and I asked to speak with her supervisor. I was told they don't put customers through to their supervisors, but that she could send my number along to her supervisor and that she would give me a call back. About an hour later, I got a call back - but I can't always answer my phone while at work so I didn't have a chance to speak with the caller. I was left a message that said 'After reviewing your account, there is nothing else we can do for you'. No number left to call her back and discuss it, no explanation as to why I was charged 9 times for 6 transactions (keep in mind, none of those transactions would have sent my account into the negative).
I was told over and over again by the original CSR 'sorry, it's our policy'.
I understand what they're doing isn't necessary 'illegal'- but that also means that it's not necessarily 'legal'. We need to get a group together to make sure this becomes ILLEGAL.in these economic times, every penny counts. They get a bailout from the government, we don't. We need that money in our accounts.
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