Yesterday I checked my account online and it said I had 60 dollars left in my account and nothing holding. I went out and brought something for 21.18 and then 18.32 which would’ve brought my account to about 20 dollars, since I have direct deposit I didn't worry about it (it was going in last night). Until I checked my online banking today... And noticed I received an overdraft fee of 175 dollars. This was taking against my direct deposit. I immediately called the bank and the first customer service rep informed me that a $50 automated debit from my cell phone company had went through last night and which put me in the negative, so things that were already posted to the account that had lower values were pushed up and the 50 dollar charge was place first for my 4/15/10 purchases (even though it didn't technically post till after midnight) which meant the 5 other charges I had went into negative and 35 dollars NSF for each one. Also my balance was kicked back to my 4/14/10 balance of 120.07 so everything that posted 4/15/10 was deducted from that amount and largest to smallest which also contributed to the overdraft fees. None of this was reflected on my online banking. This is ridiculous and misleading... And I'm thinking illegal now. How can you post purchases to my account, show them as paid and then add another charge and decide to make that purchase negative because the last charge was the higher amount??? Customer service refused to give me any kind of credit, and I was transferred to another department... Was on hold for exactly 1hr and 17 mins and 32 secs before someone answered my call and the gentleman whom I spoke with was rude... And basically told me that online banking wasn't a true record but that’s not the banks fault, and I should keep up with my money better. Then when I asked to speak to a manger he refused to transfer me to anyone else and told me that I have exhausted all other means to get the problem fixed and have a nice day. So I have bills to pay and I'm out 175 dollars because of Wachovia.
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