Wachovia Credit Cards

On 18 August 2011, I had enough funds to cover the $9.95 transaction so I paid Netflix with the Wachovia card. Then, I saw the the transaction, which appeared on 22 August 2011 and there was a $35.00 overdraft fee. I called and I was told that I was charged because it was a recurring payment. I explained to them that it was not. But they said, "Sorry. There's nothing we can do." They manipulated all the transactions in such a way that you can get charged for the overdraft. This thing happened to me many times and it does not matter if you pay Netflix or TiVo. Your transaction will always be moved and charged overdraft. I have proof that months before, TiVo or Netflix was paid using different credit or debit cards.

Bank offered free Visa card for my equity line of credit. No cost to me. I received notice in mail a few days later from Wachovia with my pin number and reference number. No card was received.

I called the 800 number on 9/13/2010 as directed on form with pin number stating, "If you have not received the credit card you requested, please call us immediately at 800-249-3869." I called and they would not put stop on the credit card, saying often the card is received later than the pin notice. They wanted the card number, which I could not give as I didn't have it. Then they wanted my Social Security number, which I did not want to give them. I had a reference number, but they did not want that either. I said the account may have my deceased husband's Social Security number on it and offered to supply this. He was very nasty and said only my Social Security number would work.

I have now faxed 5 times with no response and still no Visa card. This is extremely frustrating as I don't know if someone has the card and is using it. I was told last night that it was not being used, but when I said by tomorrow that could change, I was told to wait for the card.

In addition, the letter with the pin number came addressed to my husband, who passed away 4 years ago. So I feel confident the card was issued in his name. Even though when I spoke with the lady who offered the card, she said it would be in my name.

I had to provide a death certificate to Wachovia for other accounts in addition to the Equity account when my husband passed away, so now they are aware of his demise. I have been crying for two days and throwing up. Not only won't they stop the credit card, but it brings back memories of my husband and he would be very upset to see this happening. Plus the fact there is no action and I have only an 800 number to call and their treatment is terrible. I feel like my chest hurts and I am concerned about this. My lack of sleep has affected my job.

To use my card and found out it was expired 7/25/10. Why, I pay my bills. I am retired from Wachovia bank and can get a better rate. If you don't want my business please advised me by mail as I don't do business on the phone and not by express mail either. I was really embarrassed among friends.

I closed my Wachovia BUXX debit card account on 6/1/10 at 11am. Wachovia posted an account reissue fee of $5 at 6/1/10 at 8am. They would not issue a credit and the dispute is somewhere above the first line supervisor I spoke with. What compounds this is the account does not expire until 7/1/10 and Wachovia bills in advance for the reissue fee. So I should be due a refund of this fee. I pulled up the terms and conditions under service fees A.4 "Fee of $5 will be assessed to the card account each time the card is reissued upon expiration. This charge will be assessed the month before the card expires and will be shown on the card statement as Expired Card Reissue Fee." So if logic would prevail, I should be refunded the $5.

First of all, the debit card from Wachovia Bank which is supposed to be an international debit card (or at least that is what I was told at the bank) did not work after the first transaction and was continually declined in every subsequent transaction! The processing fee for international purchases changed three times from the initial $5 and ultimately ended up at 9- something dollars. If it wasn't going to work outside the US, I should have been informed of that, not fed fraudulent stories about being able to swipe everywhere!

Coming to a more recent incident, I purchased a new laptop online which I got on a 40% discount that was only there for one week on a laptop deals website. As my shipping address was different from my billing address, I called the bank twice to make sure they had the address on there listed as the alternate shipping address. It turns out, the customer services representatives I spoke to never updated that address. As a result, my order did not come through. The laptop company did not get back to me since the bank had told them that since the addressed did not match, it was okay to cancel the order all-together.

When an order is made with a credit card in my name and the details don't check out, the least the bank can do is call me and confirm if the details of that order (which is what banks are supposed to do and most banks actually do this!) because if I didn't make that order, I want to know who else is making orders on my card. And, if I did place the order, I would want to confirm it so it comes through! I was in the habit of checking up the status of the order online everyday (as I needed a laptop urgently for work), when suddenly I start to get error messages as I enter in the order details for tracking. As a result, I lost a week's time, a $450 discount and I was not in a situation that would allow me to buy a laptop for that price.

When I called the bank, they just acted like it was no big deal and that it was my mistake to have not put in the address correctly in spite of me mentioning that I had done so earlier. I even tried to bypass customer service and do it on my own but it turns out it can only be done through the bank, which makes me wonder why it wasn't done. After many, many, many hours on phone trying to fix a problem that was a result of somebody else not doing what they were paid to do, I finally got through to Wachovia customer service and got the address added on! Luckily, the customer service at Lenovo was wonderful and they not only apologized for not informing me about the cancelled order (since they only did what the bank asked them to) but they also agreed to give me the same deal as before with free shipping!

I had to wait more than 3 weeks to get the laptop when ultimately all this could have been done in a week! I'm really annoyed that somebody could be so careless while dealing with a person's money and purchases and I think Wachovia should hire more competent people to work in their call centers.

I just feel that people need to be more responsible as everyone else would not be in a situation which can be rectified as easily as mine was! Although I did not actually lose money, the amount of extra time I had to work as a result of not getting my laptop on time and the fact that there are so many other consequences that resulted because of this is very frustrating! I am grateful to the Lenovo people for being really nice about the whole thing because if they had acted with the same indifference, I would not even have a laptop to begin with! I guess it just goes to show that while some companies value their customers and put their satisfaction first, others just don't care and allow their callous call center employees to do what they please with the customers ultimately having to deal with the consequences!

I had a Wachovia account that is paid in full. Between Allstate Insurance and Beacon Gap Insurance, there was a $300.21 balance on the account. The dealership where I purchased the vehicle sent to the bank a check, there was then a balance of $69.21. I started getting phone calls from bay area credit agency without any notice of this balance from Wachovia and it's disturbing to hear. I called customer service to correct this error of miscommunication from a bank to a customer. I spoke with a "Jay **" from deficiency collections department. He told me in an unprofessional manner that I was wasting his time and I needed to contact the collection agency to pay off the account in full. I do regret ever doing business and will not continue to do business with Wells Fargo when supervisors conduct themselves in a unprofessional manner with their customers.

It started when I thought there were fraudulent charges on my debit card. The department was helpful when I opened a claim. The money was put directly back in my account within 24 hours. The problems arise when I called back in to let Wachovia know that in fact the charges were correct and that I needed to close the claim as a mistake on my part was made. The charges in question were for Verizon Wireless. I have multiple accounts job change, we split them out from personal and business.

Wachovia had credited back the charges from Verizon a few days after my original claim. Once I confirmed they were correct, Wachovia immediately took the $694.33 back from my account on 3/22/2010. I was told originally that the money would be transferred back to Verizon to make the transfer complete within 24 to 48 hours. However, 2 days went by and this did not happen. I called in again to the fraudulent department to check on status and this time I was told it could take 3-5 days. This time passed and still no payment from Wachovia back to Verizon.

I called in for the fourth time and spoke with Michael and was told that he saw the credits and that I just needed to call Verizon and have them call into the restoration department of Wachovia. He would not give me the number as he stated that Verizon would have this. I then called Verizon, and guess what, they have no information on this department. I am very frustrated, so I conference in Wachovia Fraud Department directly with Verizon to correct the matter. This time, I spoke with Debra and finally was able to get a manager on the phone- Carrie **.

I have been told this is a priority case, which I was told previously and it could take up to another 7-10 days to resolve. Carrie would not give myself nor Verizon the department name or any contacts that could help resolve the issue and 8 days later, my cell is still not active as Verizon needs the $694.33 back from the bank where they withdrew it in mid march. This is definitely not customer service. It is amazing to me they can withdraw the money($694.33) from my account within 24 hours but it will take them 2-3 weeks to give it back to the original intendee Verizon.

With this day and age of electronic file/fund transfers, you think they could resolve within 24-48 hours. This is the lack of willingness of the employees to escalate and take accountability and help a customer to get closure on a claim that know have filed as completed! Completed yes, because they took the money back out of my account but not completed in the sense they transferred it back to the original intendee. Unbelievable! Verizon is wanting the payment of $694.33 which they can see needs come back from the bank. However, the cell coverage is still off which belongs to my son and daughter as well as finance. Son and daughter on spring break with x husband and the cell phone is how I communicate with the financier does not have a working phone currently due to this issues. Very unsatisfied customer of Wachovia. Which I have been banking with since 1989! Zero customer service.

I received my March 2010 statement the day after it was due. So I called Wachovia and let them know right away and sent my payment out. Then I received my April statement and sent that out right away. So, I called again inquiring about the late charge and was told they could not honor any request to credit the late charge until payment was received. Odd, because other cards just credit it. I have never been late with a payment the entire time I had the stupid card and they acknowledged that over the phone.

Then when I called again to make sure the payment was received and to ask to have the late charge credited, I got a different story. They said they couldn't because they credited me in Feb 2010. However, my bill was paid the last week of January so I'm not sure where they are making all of this up. Then I told them that the check was postmarked for the last week of January and was abruptly told that they don't go by that. They go by when it was received. Really? So all of the sudden it is my fault if my mail takes over a week to get to them and besides it probably sat on someone's desk for a week. I cancelled my card asap!

On March 13, 2010 I received a letter from Wachovia, stating my credit card was cancelled on March 5, 2010. The letter stated it had been more than 60 days since I had failed to verify a questionable charge. I called Loss prevention to tell them I never received any such notice. They told me the questionable charge was actually from September 24, 2007. And since that charge occurred at 11:33 pm, I would have been notified on September 25, 2007, at 8 am. They told me the card can never be re-opened. But I can sign up for a Wells Fargo card, if I would like. Keep in mind, over the last three years, I have been using this account regularly for overdraft protection, and completely unaware of this issue. There is something very fishy going on here, especially since Wells Fargo is now taking over and is trying to increase its share of Wells Fargo card holders within the new Wachovia account holders.

For starters, since I received the notice on Saturday, March 13, regarding the account being closed. It was too late to stop my Wachovia Bill Pay transactions that were scheduled on Friday, March 12 and Monday, March 15. Now Wachovia is racking up overdraft fees of $35 per transaction.

Sept. 4, 2009 I went to a Wachovia bank branch in Herndon, VA to find out why my monthly payment on my Wachovia credit card doubled. The branch manager called the credit card service number and put them on speaker phone. The person could not give a reason for the increase and was very rude, so I asked for the balance and payoff so that I could close the account. He gave the amount,$13K+. The branch manager asked if that was the total amount including all fees. He said yes. I returned two hours later with a check for the amount given.

The branch manager called the credit card service again to get the procedures for closing the account. After my account was closed, I closed all my other Wachovia accounts. On December 4, 2009, I got bill from Wachovia stating that I owed them $141 which included a $71 finance fee and three months of late fees. I went back to the same branch and had one of the finance representatives contact the credit card services to find out what was going on. We were told that I was charged a finance fee for time period before my payoff.

I asked how could that be when I was given the total amount including any fees. The credit card rep said that they made a mistake and didn't give me the full amount. Note that they had already sent late notices to the credits bureaus, thus affecting my credit. I asked if they would send a letter to the credit bureaus stating that it was a banking mistake. In return, I told them that I would pay the fee just to have my credit fixed, since it was not my fault. The rep agreed and was to call me within two days with confirmation. He never called.

I went back to the same branch in Jan 2010 and had the same Finance rep call the credit card services. The credit rep was very rude, said that there was no record of our conversation and that I owed the money and should pay up. I asked for the same reconciliation of having them send a letter to the credit bureaus and this rep said that they would not do that and that it is my responsibility to pay my debts. I asked how could you charge me after giving me the amount to close the account including all fees. He said that the bank had no way to calculate finance charges until the end of the billing cycle. I told him that that sounded ridiculous.

After several rounds of arguments, I told him that I would not pay anything without a letter to the credit bureaus because I upheld my part of the deal by paying them the exact amount that they gave me with Wachovia witness present and never mentioned any future payments or fees. I asked him to stop calling my home 10 times per day. He said that they would keep calling me until I paid. I said, "Let's just go to court to settle this." He said that they would continue to mess up my credit until I paid. I said, "Go ahead. You have already messed it up." I have the names of the all the reps.

Economically, they have messed up my credit score based on what I call a made up charge. In addition, we have unplugged our home phone and different cell phones to communicate because we get a call from them every hour beginning at 0825 and at 25 after the hour until 2125 Monday - Saturday. I want to know how to get the calls to stop and to get them to fix my credit reports.

My credit card statement is supposedly mailed, but I don't receive it. Without viewing the charges, I'm reluctant to pay. Then I'm hit with a late fee, and then overdraft protection is suspended, resulting in other fees. It happened four times in 2009 and already in 2010. This resulted to hundreds of dollars in fees to Wachovia.

I contacted 1800 wachovia on March 4th 2009 because I had a reoccuring debit being charged to my account from a company that I had once ordered a product from but no longer wanted any more of the product. The company would not respond to phone calls or a letter that I had mailed. wachovia advised me that the only option would be to issue a fraud alert on the card, cancell the card an issue another card with a different number. All of this was done as advised at that time.

I recently noticed that I was still being debited on a monthly basis the same charges even though I had been issued a different card and the old card had been cancelled, also the product had not been received for many months. I once again contacted Wachovia, they advised me that they could give me a provisional credit for only 2 months because I should have reported it earlier. I have wasted hours on the phone with the dispute department and they cannot understand that I have done everything within my power to address these issues and they have been negligent by allow the company known as ACAI BERRY CLEANSE to have access to the funds in my account even after I reported the problem, cancelled the card and had been issued another card with a completely different card number.

My fiance and i went out to celebrate christmas together .We went out for dinner and drinks we made sure we had enough money on our debit card to cover the cost . At the end of the night we called for our balance and had more then enough money on the card to get us thru the next pay cycle. we made minor charges for such things as milk and eggs .on dec 20 we deposited a check for 350.00 an were told there was 90 dollars credited to our account.We went christmas shopping for our eight month old son an our card was declined .We then called wachovia an were told we were charge 125 dollars in overdraft charges stemming from the night we went out for christmas when we asked how that is possible because we knew we did not go over on our card we were told the tips from that night were not charged to the card untill several days after so we were charged three overdraft charges on about thirty dollars in tips amounting to 120.00 in total overdrat charges an wre tolg under no circumstance will will get credt back

Wachovia raised my credit card annual percentage from 1.99% to 19.99% without notice or warning. That means that nearly a quarter of my bill is interest. I have A1 excellent credit! When I called to ask what happened, they said I was late once in 2007 and they would not make an adjustment. I am closing all of my Wachovia accounts.

I got offer from Wachovia Bank,N.A for having a credit card "Wachovia Visa Platinum with Rewards". I took it as I have also checking account in this bank. Setting online account for this credit card is not automatic, you have to call them. Also, in every month , you don't get any email notification from wachovia about your monthly balance/outstanding unless you modify some options(I didn't try,rather you have to check it online manually). This is kind of tricky as you might miss that and they will charge you late fee. Once you have late fee, your credit will be zero unless you pay it. If you request them to waive the late fee, they will tell "pay all including late fee first then we will consider your request". This credit card is kind of different than many other credit cards.

Recently refininanced hoping to have enough to pay oss a couple of credit cards. I was able to reduce one of the other (Non-Wachovia)cards from 24.99% to 4.5%. When I tried to explain to Wachovia I am short each month and need to reduce the 21.15% cas advance they said they cannot change it. I said can I go over my monthly expenses and you will see I need to reduce it also because I am paying the minimum which is primarily interest, he said contact Consumer Credit Counseling Services. The problem is now if I choose to go with them I pay them and they disperse it to Wachovia.

I was recently offered a 12 month interest free balance transfer if I opened up a new Wachovia Visa Card. Subsequent to this I made several small charges but always made sure that I did not incur any interest charges by making payments in the full amount of the charges. Today I discovered a $13 finance charge and a $3.50 cash charge on the card. I was confused because I had so carefully paid off all new charges every month. I called the bank and was informed that the reason for the charges was that any time I made a payment it was applied to the balance transfer monies and not to the charges that I had made. These have been happily building up over time, and I have been thinking I had paid them.

Ultimately this system now puts me in a situation where there is no way I can ever pay off the new charges without paying off the entire balance transfer first. This was not made clear to me over the phone when I made the initial transfer. This appears to me to be a trap that a consumer cannot get out of because they can never pay their way out no matter how punctual you are on your payments. I find this practice disgusting.

I was told by the bank employee and their supervisor that there was no way that they could make this right and put me where I am supposed to be. I spend about 30 minutes on the phone with them and was shocked by their lack of willingness to work with me. I am sure that the small print somewhere outlines this practice, yet frankly there was no explanation up front, and I feel that I was tricked. I have been a customer of this bank since 1984 and it is unreasonable for them to be willing to work with me, even on the assumption that I made a mistake because i fell into their trap they will not NOT help me to make it right.

In January, I had lost my wallet and called and cancelled my cards immediately. I received new cards in the mail and proceeded to make my payments ON TIME. However, I apparently neglected to change the card number on my account (I use bill pay thought Wachovia). I made February and March payments and then happen to notice that I had almost no credit available on my Wachovia card. I called customer service and was told that my account was delinquent. I was told that the two payments I had sent were returned to my checking account and that the matter had been turned over to collection.

The same evening, I received a call from the collection department and agreed to make the payment on the phone. However, the woman I spoke with told me that Wachovia had no way of knowing how to apply the two payments I had made previously, yet, during my conversation with her, she knew all my accounts including my two checking accounts, the old credit card number and the new credit card number. Then, a man got on the phone to confirm that I was making a payment by phone and when I started to ask him a question, he just hung up the phone on me.

My account was placed in default, notice sent to the credit bureaus of late payments, my interest rate increased, my available credit cut by $10,000, and my minimum payment increased, although I always paid much more than my minimum payment. Wachovia has refused to correct this and restore my credit rating and decrease the interest rate.

closed and I must pay the whole balance plus 30% interest. When I asked them why they said due to more than 90 day miss payment, however, they have received September and November? I said then its not 90 day pass, and I explained to their rep. My situation where she was extremely rude and insaultive about it. When I told the rep. I will be filling a complain to Wachovia she said no one can help me and she hang-up the line. She also went a head and sends me a letter dated December 10 with a post stamp December 24. This really not surprising me that Wachovia violating the consumer contract and over charging their client. Since I rejected the increase of the interest they went a head and send my account to collection and demanded a full payment instate of holding the interest and canceling the account.

I opened up may credit card bill and noticed there was a late fee. I keep my bills in immaculate order, so I looked for the bill I received last month- I Surprised that I did not receive bill last month! I beleive it was a scam on their part to milk more money out of the consumer.

OUT $39 for the late fee, + interest + bad mark on my credit report so in the future this will make my score around the mid 700's go down, which means it will impact my future interest rates on loans, etc, etc.

I had a dubious VISA charge for $100.06 that I have taken up with the Florida Attorney General's Office on my Wachovia VISA debit card. Bottomline, Wachovia personnel were clueless: Did you call the number? What number? (the only numbers on the statement were product motivated mortgage refinancing,etc). Well, where's the form you filled out.? I didn't fill out any form, your cashier filled it out. But WE don't do that.. Sorry to inform you, but the NICE lady did. Well, you need to speak with the department who handles that(VISA). Where's that.. Charolette, I guess... So I have to go to Charolette? No... Then she fumbles around and around, finds someome named Teressa in Alabama with Wachovia, and the whole thing starts over again via phone.

I'm still ou $100.06 and I don't think that VISA was ever involved, or had the opportunity to protect MY interests.

Today is May 27th, 2008. From May 23 to May 27 2008, I made 6 debit card transactions that were between $4-21. All were approved at the register and placed into holding. The balance after these transactions was a miserable $16.00. At 9am May 27th, I checked my account; it still stated that I had $16.00. At 11:30am I made a deposit a check for $300, but kept $100. I went on to use the money to buy groceries for my family. I am very happy that I did this. At 5:00, I made another debit purchase for $6 at a store. At 5:30pm I arrived home, checked my account and found out that the bank had cleared an automatic payment for $73 that came in today and then proceeded to charge $35 to the debit card purchases I made prior to posted automatic payment and the one I made today.

First of all, they posted a payment that was made today and then bounced payments that were made three to five days ago. What I found interesting is that one of the payments was for $20, made on May 23rd, but posted on the 27th. The merchant stated they received funds on May 23rd. How can a bank charge me for a transaction that previously cleared my account? Second, the bank is not suppose to cash a check 1) without ID 2)If there are not an equal amount of funds in that account. They did this at the time that I cashed my check.

The bank stated that my account was overdrawn since midnight. Why didn't anyone notified me at the bank? I would have withdrawn that deposit and waited for my payroll check to arrive. The representative told me that Wachovia reserves the right to post transactions from highest to lowest. What logic is that? Shouldn't payments be deducted as they are transacted? Why provide you with an available balance of what you have, minus the check card holds? I feel that they are falsely recording my bank transaction records. They are stating that those transactions were conducted after the $75 automatic payment. Which is completely untrue.

The representative also told me that they use a refund matrix to figure out how much they can give back. The top amount they can give back is 20% from the total NSF fees. That is not a refund. What they are doing is more financial compensation. With a refund, it's expected that the full amount is given.

How can Wachovia possibly justify this type of misappropriation of funds? The way the bank handled my transactions is criminal to say the least. How is it possible for this bank to advertise thier claim to being customer service oriented? Currently I am $284 in the red. The money from the deposit was suppose to go towards my student loans payment. In addition, I am unsure of how I am going to pay for my children summer camp tution fee.

I must agree. This must be the worst credit card there is out there. The interest rate is outrageously high. I contacted them to lower it and they told me they could only lower it by 1 percent. I asked to speak to a manager and it took forever to come to the phone. She told me the same thing. They claim their rates are competitive with other credit cards, which is a complete lie. They also told me that I have a high rate due to my credit history....another lie. This is the only credit card I have with a balance. The others I have are in perfectly good standing (no late fee, high balances, etc.). They told me to contact their credit analyst department and when I did, they just said the same thing. I asked to speak to a manager and they said she wasn't available. I left my name and number and she never returned my call. Thank God I have a low balance. It is almost paid off.

I closed my credit card account and I was told I would no longer be able to access my credit card account online which included paying online. So I need to either mail it or drop the payment at the branch. On top of that, their terms state the lower APR balance must be paid off first.

The interest rates and the finance charges are beyond outragous and they are doing everything in their power to keep the debt compounding. This includes limiting access to their services and making it harder to pay on my account. It's not like I don't have any other accounts there, I do the majority of my banking with them. I will never have another credit card through them and I am evaluating services with other banks because I'm fed up with Wachovia.

I have repeatedly contacted Wachovia Credit card services regarding lowering the APR on my credit card. They refuse to do and in fact, are constantly raising it. I spoke with Andy on Friday, April 14, 2006 and he said that they would continue to raise it, even though I pay them, am never late and am not behind in any of my bills. Even when I add more money to my account to try to pay it down, they just continue to raise the APR and refuse to lower it. As a result, my bill gets higher each month, instead of getting lower.

My APR is now up to almost 23% on over $7700.00 and I am paying Wachovia over $160.00 in interest each month. Andy said that since my debt is unsecured, they can continue to raise it whenever they wanted to. I asked for his manager, whom he said was named Brian King (Senior Management). He stated that Brian King was going to tell me the same thing.

Is there anyone who can protect those of us who are paying our bills and trying to lower them, but are unable to do so because credit card companies have free course to raise our interest rates to any amount that they feel that they want to whenever they want? I do have a considerable amount of debt of which I have paid off over $40,000 in the past 5 years and am trying to pay off the remainder of the $38,000.00 within the nexr 4 1/2 years. However, because credit card companies, over 1 year ago, started raising rates to double digit numbers (most of them 20% or higher), it is becoming increasingly difficult to pay down bills, because interest rates are so high.

Some of the credit card companies have lowered my APR because I do have a good history of paying my bills on time, but Wachovia refuses to do so. I have increased the amount that I pay them, but it does not do any good because they keep raising the APR, and as Andy stated, they will continue to do so. This is not fair. It is almost as if they want to push people in bankruptcy.

APR was increased from 11.99% to 19.99% for August 2004 billing. I was told that they sent a notice in my July 2004 bill that stated that it may change and I needed to call - I don't recall seeing this. When I contacted them last night they adjusted it to 15.99% and said it was increasd because I were only paying the minimum balance and because of other credit card debts. I told them that's unfair since I am not paying them late and I have a reason why am paying them the minimum balance although I had on many occassions paid them more than than minimum due. But they said they have the right to adjust according to their terms.