Tuesday December 30, 2008 I made a cash deposit in person at my branch. Wednesday December 31, 2008 my check card was declined when I swiped it to make a purchase. Wachovia regularly mishandles deposits and is quick to dodge responsibility.

The first time this happened was April 2008 and I blamed the branch. I've had the same thing happen three times since. I've spent countless hours on the phone with Wachovia and countless hours paper trailing things Wachovia could not figure out for themselves. I should be punching a time clock and getting paid for this!

Please see attachments relating to the most recent incident.

Connie Walker, Mortgage broker, New Port Richey, Pasco County

expected us to close on a house today with wrong information on the HUD statement that she hadn't looked at until closing. Tried to get us to sign with wrong homeowner's insurance amount ( I confirmed with agent that she had the correct amount of $580, not $1, 370 in plenty of time) and tried to get us to pay $1, 120 in points that were to be waived.

She said "I'll fix it later". We said no, get it right. We are supposed to close on Tuesday at 2p.m. We are letting EVERYONE know what she tried and how she messed up our closing and move. Please tell us who to complain to! We are stuck with Wachovia because we have to close by 12/19.

Approximately two months ago, I began receiving phone calls - sometimes twice a day - from Wachovia asking for someone I did not know. They were told that I was not the person they were seeking, and I was assured that my phone number would be deleted from their list.

Yesterday, these phone calls started up again asking for the same person as before. I have been called twice today. I returned the call and told them I was not the person they wanted, and that I did not know this person. And once again I was assured that my phone number would be deleted. What else can I do to stop these phone calls?

On July 26th of this year, I called the Wachovia Bank by my house to ask if they would cash the check I received from my insurance company for car repairs. They told me to do the following: take the car to the dealer to get it repaired, then go to the bank, they would have me fill out a form and it would be signed over to the dealer so the repairs can be paid for. I go to Wachovia Bank near my house on Aug 9, 2008. I speak to a person and he gives me the phone # to Wachovia Dealer Services. I call Wachovia Dealer Services. They tell me to mail the check to their office in California and they would sign it over. I live in Colorado. My car repairs are finished and the car ready to be picked up. I don't want to wait a week for a person out of state to sign over my check to the car dealer. My Mom then calls Wachovia Bank today, Aug 9, 2008. She is told the same thing I was told yesterday. That I would have to get it signed over by Dealer Services. Not from the bank itself. So within the course of 2 weeks, Wachovia Bank reversed their policy. We asked to speak to a manager. We ended up speaking o a manager and the manager at the bank told us the same thing. If I was told I would have to go to the Dealer Services originally, I would not have taken the car to the dealer yet. The only possible bright side is that there is a Dealer Services office in my state. Unfortunately it is about a 50 mile drive to and from there. Because of the inconsistency, I would never open up an account with Wachovia and I would not recommend people do either.

I can't believe the insane fees that Wachovia has charged to my account. Judging from all the reports I've been reading Wachovia has made a big pile of money by charging excessive NSF fees. In less than 24 hours my account went from a positive balance to being overdrawn by almost $300!

Upon closer examination I've discovered that this past year alone they have charged me upwards of $2000 in fees. I'm not rich and I don't have the kind of money it takes to withstand blows like that. Now I'm down to do I pay the light bill or do I buy groceries for the kids?

The government is up there in Washington sending the banks these large sums of money in a bailout. I'm sure that Wachovia will be getting their share of money from Uncle Sam. Unfortunately I'm on my own in this - there is nobody to bail me out. This most recent charge of $350 in NSF fees was as a result of a transfer that Wachovia made from my checking to my savings. I was unaware that the transfer was going to be made or had been made until the damage was done.

Believe me when I say that I am totally through with Wachovia. I've filed a complaint with the Better Business Bureau as well. I plan on closing my accounts with Wachovia as soon as I possibly can. I will never again do business with them under any circumstances. The only reason I really need a bank is because my employer requires direct deposit. Once I get away from Wachovia I will be very careful about how I do business with a bank again. I'm sure I can find a way to satisfy the direct deposit requirement from my employer and still use a bank as little as I possibly can.