At midnight 7/16/2009 my balance was over 3000.00 because I had a direct deposit to be credited that was already showing on my acct balance. At 8am however I had $140.00 in overdraft charges because I had one check and 3 checkcard purchases go through. Of course they ran the $500.00 check which made my balance (without the direct deposit) to low to over the 3 other smaller charges. BUT I HAD A DIRECT DEPOSIT SITTING THERE OF $2500.00. They knew the money was there!!! They had already shown that money on my balance at midnight!!! I have had this acct for yrs and overdraft was never an issue as long as I had a credit card for them to charge things like this to, but WACHOVIA changed the credit card to Bank of America and I will not open another one(credit card) with Wachovia. THIS IS INSANE and very poor practice. However Wachovia seems to be able to get away with this practice without any difficulty. What can we do short of changing banks?

For all the people that have accounts with Wachovia, and you have a credit card debit taken out every month (going to Wachovia) you might want to pay attention to this. I have 3 credit cards that I have done this way. I have it setup to pay a certain amount every month, Wachovia pays them, I don't have to mess with it. THIS is what I want you to PAY ATTENTION TO. I checked out one of my credit cards and there was a problem. I went back to the top of the page and clicked on HISTORICAL statements. Guess what came up? My Wachovia BANK STATEMENT. I was in shock. I could not believe what I was seeing. My credit card company had NO BUSINESS looking at my bank statement. It looked just like the one I pull up any time I want to including whom I have paid and who has paid me. I called Wachovia and they said they had no control over that. I would have to contact the credit card company.
I had never seen a page or site or whatever it's referred to as that my bank statements were on. All around the page were sites you could go into. It looked like they were selling peoples (my) information. I really don't know. I had to look many hours to find that information. Has anyone else seen this? If anyone know's
what I saw, please contact me. I call it an invasion of my privacy. But, what in the world are these people doing with it? If you know any thing about this, please contact me: [email protected] Thanks, saszy

my girlfriend got $27, 000 from social security back pay. the money was set up in a checking and savings account. she was issued a bank check card(atm). the pin was sent seperately. my girlfriend's roommate retrieved the pin # from the mail. she never knew it came. when she checked her statements over $7000 was withdrawn from her accounts. my girlfriend immediately called the police and the bank. she changed her pin and was issued a new card. she got the new card and memorized the pin # then two weeks later she changed it. when she received another statement she had $1800 remaining. she called the police and the bank again. the police said thet wachovia was not cooperating with their investigation and they couldn't arrest her roommate. apparently he goes into her wallet while she was sleeping and hit the atm between 1-4am. she wanted to know how he knew the new pin #. he called the bank and said he was her husband and without any id or verification they gave him the new pin #. he stole over $24, 000 and is still walking the streets, because wachovia would not release statements or cooperate with the police department. it should have been an open and shut case, because all atm machines have video cameras. even though the money is fdic insured. she was not received a penny of the money back and it has been well over a year now. this happened in austin texas and her roommate was a fat ass named david reynolds. if the cops don't find you, i will...

After many overdraft fees($2000+) in the past, I began to watch my account closely and notice when it fell to a low balance
point, Wachovia ALWAYS found a fee to charge to cause an overdraft. So, on May 8, 2009, I went to the branch mgr. and discussed the problems that ocurred while I was out of town April 27-30, 2009, she agreed with me that the fees charged were NOT valid and refunded all $210 of fees that had posted to my account. In doing this she recomended that I open another checking account just for overdraft protection, place $50 in it and forget about it for back up. SO I DID. I already had a savings account for protection, but this would be extra insurance. Well it was NOT enough. On May 21, 2009 I went online to find my account $36 negative, with Wachovia taking $35 OVERDRAFT FEE and $10 OVERDRAFT PROTECTION TRANFER FEE !!! Are you kidding me, Wacovia is now going to charge me $10 to tranfer my money from one account to another ?????? THE ANSWER IS NOT ANYMORE, NOT TO ME ANYWAY !!! I deposited $60 to cover all outstanding debits informed the branch mgr. that when the account was cleared I would be closing it, she asked what she could do to make me happy, I said, they had over 4 years to do that but, just kept taking my moneyand if she wanted to make this time right she could refund my money to me, her reply was " WHY SHOULD I? YOU WILL JUST CLOSE YOUR ACCOUNT ANYWAY" my reply was " YES, BUT IT IS THE RIGHT THING TO DO AND YOU HAVE TO LIVE WITH THAT"!!

Wachovia is an evil institution that employs some of the most ignorant dimwits I've come across in years. I had a checking account with Wachovia for the specific purpose of keeping my money separate from the money of an organization that I was affiliated with. I never overdrafted my account, not once. After I parted ways with the organization, I left a balance of $1.15 in the account.

Nine months later I get a statement in the mail that tells me that I am overdrawn by $3.49. It says that I was charged a $5 "dormant account fee". The same day I receive the statement I receive a phone message from Wachovia. I return the call to Wachovia at the number provided and speak to a cordial woman who tells me that she can refund the charges and close my account if I wished. I informed her that I did want to close my account, and she said that she would do that. I heard her clicking away making notes to my account. She also informed me that because of the timing, I would probably receive another statement with another $5 charge shortly before I received a refund check for my original $1.51 balance and a statement showing that all of the fees had been removed and the account had been closed.

Indeed, about a week later, I received a statement showing another $5 dormant account fee and a balance of -$8.49. About 15 days later I get another envelope from Wachovia, but it is neither a check nor a statement reversing the charges. It was a collections notice for a negative balance of -$48.49. It seems that Wachovia charged me an overdraft fee on top of the dormant account fees. Seriously, WHEN did this jacka** bank decide that it was a good business practice to steal customers' money instead of simply issue a check in order to close a dormant account?????

So...I call Wachovia to find out what the problem was - why my account was not closed and refunded as promised. After being switched FIVE TIMES to the wrong department I finally got to a competent human (lamentably without much power) who was able to actually investigate the problem. She agreed that there was indeed a problem, but it was one that she could not fix. I asked to speak to her supervisor, who I refer to the dumbest b***h I've ever had the displeasure to speak to. She told me that I should have taken care of the problem when I first discovered it, and I should just take responsibility for it and cough up the money. "You should have visited a financial center...you should have called customer service..." Hello, B***h?! I just finished telling you that I DID call and I DID take care of it, YOUR bank screwed up, NOT ME!!! Ugh!! I asked to speak to her supervisor. She assured me that there was no one else in the bank who could help me, that she was the final authority in account services. PLEASE!!! I GOT TO YOU IN ONE TRANSER!!! YOU'RE BARELY A SUPERVISOR!!! She told me that there was no record of my having spoken to anyone about my account. After hanging up with her I spoke to someone else at Wachovia who said that they COULD see the call.

Anywho, I filed a dispute at the collection agency (which the bank refers to as their "recovery department") and was told that I would receive a resolution within 30 days in the mail. It's been about 2 months and I've received no resolution, but I have received a collections notice from a brand-spanking new collections agency!

These a$$holes are going down. I've not yet figured out how, but trust me, they WILL refund my money and stop this collections bull$hit. This is not the first company that's tried to screw me.