I've been with Wachovia bank for almost 7 years now. Over the years we've had our issues (overdraft fees even though the account wasn't in the negative, triple overdraft fee for one over-drafted check, etc) but this time was the worst.

Our local branch finally installed the new ATM - where you can make envelope free deposits of cash and checks. I always loved the fact that you could deposit cash and access it instantly with your card - the idea of envelope free deposits was wonderful in my mind! I'd used it 2-3 times before for depositing small checks with absolutely no issues whatsoever.

On March 6th I had 3 small checks (totaling less than $81) to deposit. I have 2 small children and hadn't had a chance to get to the bank, so I decided I'd stop on our way to the store. I went inside to the ATM, inserted my card, chose deposit checks, waited until the door opened and placed all 3 crisp checks inside. I waited...and waited...and waited. After about 10 minutes of waiting (and hitting cancel several times) a window popped up saying "your checks are being returned - this may take up to 30 seconds" - the door opened and started growling at me. No checks. Then the screen stated to call Wachovia's 800 number for further assistance. The ATM had "ate" my checks! I went to the car and called immediately. The first guy I spoke with pretty much told me it was an easy fix - just check the deposits and see if any were stuck in the chute. Then he transferred me to "claims" - it's been a struggle since then.

The first claims assistant I spoke with was VERY rude to me. He pretty much made it out that I was trying to fraud the bank and was nothing more than a common criminal. I was appalled! He informed me that an "investigation" would be started and it'd be anywhere from 5-7 business days before I'd have access to my money. $81 isn't a lot to most people, but when your husband travels 5 days a week 70+ miles one way, it is quite a bit of money. I thought maybe I'd have better lucking calling back during the week (seeing that March 6th was on a Sunday) - but I was wrong!

I called daily and had a different story given to me every single call. They stood by their word of 5-7 business days, but it was a different way of handling it every time. I was told the deposits had to be pulled and checked by hand, the ATM would have to be serviced and possibly removed to search for the checks, the video would have to be reviewed to justify me being there, an investigator would have to look into my bank history and the other party's bank history (which would be my mother, to make matters worse) before I could be informed of anything. I finally gave up on calling, I couldn't handle the lies anymore!

Then, thankfully (as cautiously as I can say that) on March 11th, I get a credit! Hooray, right? No...it's a provisional credit. Temporary. I figured that maybe it would be a day or so and it'd be made permanent. I finally contacted the claims department again and to my horror they can take it away any time they like. The last representative told me that the bank had 10 business days to either make a decision about the investigation or give me a provisional credit. They did the later, of course. now this "investigation" can go on for up to 90 days! I flipped! What's there to investigate? The checks are made out to me from my mother's good standing account. I have a carbon copy of all 3 checks and can provide it to them. They don't want any of my help, they have to investigate it on their own.

The only good to come of this is I finally switched banks. The worst part for me is that I have to wait 90 days before I can tell Wachovia where to stick their investigation, in as nice a way as I can.

I live in NC and a Bank in florida gave another customer information that I had an account with my grand-daughter at the Bank. I called the supervisor and she said oh sorry no that shouldn't have happen sorry.
Sorry Your Employee gave out my Private information and all you say is sorry NOT ACCEPTABLE

Wachovia is crap! I'm in the process of going with another bank, maybe Citizens or a credit union. Customer service sucks and the CSR's can't give out corporate number or they will be fired. It was better when it was First Union. Now they are with Wells Fargo??? HUH!

Upon moving to Oklahoma, where there is no longer a SINGLE Wachovia or Wells Fargo [in the entire state], I had to switch my banking accounts over to a new big bank. Upon calling Wachovia, I sat on the phone with a representative while trying to close down my bank account and have ALL FUNDS mailed to me. Not only did it take over 45 minutes to connect with someone who would/could actually help me, but I was told it would take 2 to 10 business days to get the check to me. Frustrated by such a ridiculous time frame [this is ALL my money I'm talking about...everything], I told them to just close it down and send me the check asap. He then told me the check would be expedited and charged me THIRTY-FIVE dollars to expedite the check. WELL, FOURTEEN business days later I have not received the check. Every time I call, reps tell me that I'm "not a Wachovia customer" and it takes forever to get assistance. Even more frustrating is that I have gotten mail from Wachovia at my new address, which I gave them the SAME day I closed the account and they said they would mail my checks. They managed to send me billing statements and credit card applications, but not my money. And don't worry...it's not that it got lost in the mail. I finally got Wachovia to admit that they didn't send it on time. But they then refused to give me my 35 dollars back. This bank is honest-to-goodness one of the worst institutions with which I've ever dealt.

Well over the past couple of months I have been receiving overdraft fees. Some of them was correct but recenetly after checking my account last night and this morning they have seemed to have charged me over draft fees for things that they claimed was processed yesterday but wasn't showing yesterday as either being processed or complete. My problem with this is that any funds placed in my bank account after a certain time isn't processed until the next day and I have seen other transactions that aren't processed until the next buisness day so how could you charge me over draft fees for items that wasn't posted last night after business hours. I think banks are preying on the hard working americans that are trying to do the right thing. Yes previously I was at fault but this time I know they did something underhanded that cause me to give them $315 of my pay check. No wonder people who work today need more than one job.