I have been back and forth with Wachovia on their methods of compiling overdraft fees for the past months and I am so highly upset right now, I can blow. I sat down with two employees today for several minutes and they still could not tell me to my satisfaction why I have $385 in overdraft fees today when the last time I used my card, my account was in the positive and it has not been touched since. They say that if I look at my account online, it is not a true balance because some things on hold may be sent back because the merchant takes too long to send it through (not my problem); they say that what I hear on the phone may not be a true number because if I purchased gas in the past few days, it is not going to show up as a debit for several days, not even as a hold (still not my problem); they say that after Friday, Sat, Sun they look at all transactions over the weekend and enter the largest one in first thinking those are more important (didn't ask them to). They say if there are four transactions over the weekend, they will enter the largest first and the other three will incur an overdraft fee so that is $105 in od fees, instead of entering them in the order in which I charged them that when if I am cutting it close on my balance, would only make me have one od fee. Not until I saw on the news that other people are experiencing the same thing did it make me even madder. I thought I was just a lousy keeper of my finances because I don't write every transaction down in my ledger. I downloaded all my bank statements from about a year and a half ago and to date, I have been charged just under $8,000 in overdraft fees. I am a single mother in the military trying to make ends meet, I don't have $8,000 to just give away. I don't have a dollar to give away. I asked the branch manager to add up my deposits since 1 Oct to present then subtract what purchases I made and she told me that I would still have $179 remaining in my account but due to their method of fees I am $496 overdrawn. I am so so so mad and at wit's end. If jobs did not require you to have direct deposit, I would get a paper check and handle my own finances. Urrgghh
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