I have recently been faced with unjustified overdraft charges to my account. It is no question that I had the money available and the bank has given me bogus reasons for these charges, citing its the way the vendors hold items, and the number of days it takes to recieve approval ect... In my opinion the vendor should have no bearing on this, if the money is available. If I make a mistake I am more than willing to be accountable but this is not the case.These practices are unethical and I am seeking those with similar experiences to share there stories as well, so something can be done. Wachovia has taken millions of dollars in fees from consumers and it is time that we fight back.

A rep said she would put "a hold" on my checking account because of fraudulent activity, but she never did. The main fraud department called me 10 days later to say my account was still fully accessible, and that nothing had been done by the branch I spent 2 hours in. The branch then closed my account without my knowledge so I bounced 20 checks included mortgage, credit cards, etc. When I called the bank to have them help resolve the problem and take care of all the returned check fees and late payment penalties, the manager said she was very busy that day and would try and call me back. I have now been working on this for days, and have been working on the fraud issue for almost six weeks and no one there cares, or has any idea what they are doing. This bank is terrible.

A court order was issused aug 2008(last year) to have child support deducted from Wachovia account 1) it took 3 months and lots of persistance to get Wachovia to start deductions.. 2) have had to "remind" them to make deduction every other month since.. 3) Wachovia is now "claiming" not to have a court order and has STOPPED deductions from my account... 4) Ohio child support says its the banks problem (agreed) Wachovia claims its Child support agency problem... 5) getting NO HELP from either... 6) does this make me a "deadbeat dad" and can I file suit for non-feasence?

I paid 165.00 to an A/C repairman on 5/15/2009 using my debit card. Later that day I checked my account and the charge had posted to the account. It was not listed as a hold, it was shown as a finalized transaction in the account. The 165.00 was deducted from my balance. A week later, I got a call from the repairman. He said he never received the payment. He didn't know how this was possible because he had swiped my ATM card, it was approved, and he had the receipt showing this. He thought I had put a stop-payment on the charge. I had not done anything, so I checked my account and sure enough the charge was completely gone. I checked the holds and the account transactions, it was not there. We both figured it must have been a mistake, so I wrote him a check dated 5/29/2009 on the 21st. I post-dated the check due to some essential payments I had to make. The A/C man was fine with this.

My account balance did not drop below 165.00 until 5/26/2009. I knew the check was dated 5/29/2009, so I went ahead and payed my rent because direct deposit would go through to cover the check to the A/C man on the 28th. Then as soon as the balance dropped below 165.00, the fist thing in the morning on the 27th, this debit card purchase that had been completely gone for 12 days showed back up out of nowhere and overdrew my account. I was charged 35.00 for a NSF fee.

How in the world can something be invisible from me and the merchant for 12 days, and then magically appear as soon as there were not funds to cover it??? This reeks of fraud. The overdraft sent my account into a tailspin. I budget very carefully. The balance being 200.00 less than it should be is extraordinarily difficult for me to repair.

I called the 1800 number, and the csr stuttered and tried to figure it out, finally giving me the explanation that holds are 'not visible' to my online account information after 3 days. The charge has never a hold! It went straight to the finalized transaction list, then went away for no reason. I am going to the branch now to attempt to get my 35.00 back, as well as a few other fees that this fraudulent act caused. If my account isn't credited, the account will be closed. I opened a Bank of America account this morning. NO EXCUSE for this.

Here we have a college student, 20 years old, 4.0 grade average, has kept the same part -time job since he was 16, as well as the same checking account with Wachovia (never overdrawn)...decides it is time to get some credit established. What better way than to apply with his own bank & take advantage of their College Visa Credit Card (which, by the way, states 'YOUR COLLEGE YEARS ARE THE PERFECT TIME TO ESTABLISH CREDIT', only to be denied because he HAS NO CREDIT! Gee, thanks Wachovia!