I am the representative payee for a relative's Social Security account. On 3/27/09 I checked the balance on line and found a -565.00 balance. I have had this acct. Since 1996 and it never once has been overdrawn nor have I ever had a debit card for this account. I immediately went to the bank. My relative is learning disabled and Social Security determined that he can not manage his own money. He is not to have and has never had access to this checking acct. He had his own acct. At Wachovia which became overdrawn, was closed, and sent to collections in November. After spending two hours at the bank I was told that in November when his acct. Was closed that "their computer did a search for his Social Security number and linked his debit card from his closed acct. To the Social Security acct.". My relative just happened to call the bank to determine the status of his closed acct. And was told that he had a balance in the bank. That is when his spending spree began. I was intially told by the bank representative that I would get all funds back as the bank employee who opened up the relative's personal acct.in 2007 had made an error. She then called her manager and said she would get back with me later in the day. I was told that I would be responsible for all of the ATM transactions that my relative had made on the card which amounts to approximately $500. They did agree to remove the overdraft charges. I am on an extremely limited budget. I will never ever bank with Wachovia ever again. Beware!
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