Wachovia

In 2009, I had an account with Wachovia in Hickory, NC. Being on a very limited income, I spent every penny each month to pay our bills and it was always a close call. I was told that I could keep better records if I used the online banking as it was always up to date. I would go to this each morning to check my balance so that I would not overdraw my account. One morning when I checked, it showed a balance of $15. I had no outstanding checks and all my transactions were accounted for. Later that afternoon, I tried to use my card to get money to do our laundry and it was declined.

When I asked Wachovia why, I was told that I owed $800 to the bank. I was floored. I was told that the online balance was incorrect. I argued and was sent to the assistant manager. She told me that even though the money was in my account, it then comes off for two days before it is truly in the account. What a crock. All $800 was for fees that they had begun to charge me several days before. I called the $800 number twice and was given the runaround. I finally called the FBI and the gentleman I spoke to said, "You don't bank with Wachovia, do you?" I told him yes and he just sighed. He said they were investigating them for fraud concerning this very subject. I have never paid this money and now Wells Fargo won't even take me as a customer. They have absolutely ruined my credit and made it impossible for me to get a loan of any kind. How can I ever fix this? They hold all the cards.

We have a loan with Wachovia and unbeknown to us, we're included in a class action suit. Wow, we received a whopping $178.00 (did not cash the check) and the 26 attorneys, who used all 517,000 of us received a million each. The government allows this! We have proof of violations of TILA because an audit was done. Sent a letter of rescind, no response. We contacted the governor of CA, contacted Kamara Harris in Sacramento, CA, contacted Obama, contacted FTC. Nobody cares. Wachovia ruined our credit by pretending, even sending a letter, that a new account had been opened. Then cancelled. We had to pay penalties for late payment and they were the ones who had told us not to make payments while working on the loan mod.

The sad story for all of us who have been had by the banks and then by attorneys. No attorney cares and the government does not care. Attorneys all want money upfront knowing that they are just in it for themselves. Wachovia knows we have no money for attorneys, we would not ask for a modified loan if we weren't in financial trouble, so how can we hire an attorney? I feel raped, not once but many times.

We opted out of the class action lawsuit against Wachovia for the Pick A pay predatory mortgage. When we secured this mortgage, certain documents didn't contain our signatures, and we were lied to, and involved in a 'flip' loan process with Park Place Funding. We were told by an attorney there were violations, but we couldn't afford a lawyer at that time. We applied for a modification 3 times; the first was before the 3 year 'right to rescind' (we didn't know about this), but we were rejected. My husband had a stroke, and couldn't work. We applied again, and was rejected. In Sept. 2011, we applied again. We were assigned one contact person.

I sent everything she asked for, but during the entire 2 months, she never once answered her phone, and I never once spoke to her, nor could I reach her. I complained, and she closed our case early, despite the fact that she sent a letter stating we had until Jan. 3, 2012. She closed it on Dec 29, because she said we never sent all our documents, and had documented that she had called us, and laughed when I said I'd complain. She refused to transfer me to a supervisor, and ironically answered my page, 'after' our mod was closed, but not prior. I'd had an argument with this girl prior to our loan mod application about a payment that cleared our bank, but Wachovia says it didn't. I sent in all the documentations, and they didn't even read it, and send a canned response. So we have a missing payment of over $5 in cyberspace somewhere, and they ruined our credit. The list of problems is too long to list.

We are stuck in a predatory loan. It seems they want us to foreclose, as we have major equity. They keep raising our payments, we pay, and our balance keeps growing, and have lost over $100,000 so far. We were lied to. They continue to refuse to modify, even though we fit the criteria, and there is a class action that was won against this loan.

We have been discriminated against because me, and this girl had an argument. The list of damages is too long to list, and caused my husband to have a stroke, etc. They just called a minute ago, and continue to harass us with calls constantly, but they put you on a machine and hang up. We've got over $5,000 of a missing payment, and they refuse to deal with it. I've sent in complaints and questions they don't respond to (respa violations?). I mail in payments but they 'lose' them and have ruined our credit based on this, and the missing payment in cyberspace, so we can't refinance.

I did an application over the phone to begin a loan modification in October 2011. Wachovia sent me a letter dated 11/17/2011 with a checklist of required documents, instructing that they be sent to Wachovia within 30 days. I submitted all documents listed on their checklist, sent them FedEx overnight, signature required on 12/14. It was documented that they were received on 12/15 (within the 30 day time limit). I received a letter on 12/23 that was dated 12/19 saying because I "did not provide the documents requested", Wachovia withdrew my request for assistance. Not oly did I provide all documents requested on the checklist, but I dis so within the requested time frame.

What since ensued has been a hideous debacle. All calls to the 'home preservation specialist' were never returned. His manager admonished me for getting the docs in late although he did acknowledge I submitted them within the 30 days, all the while telling me he really did want to help. I told him he was not helping me, and that I no longer wanted to talk to him, but instead his manager. The only way, in my opinion, to get their attention and hold them accountable is to climb the chain of command or so I thought! I was connected to a woman who is a site manager. She put me in touch with someone who would 'help', as I was told I needed to reapply since I 'fell out of the system because it was beyond 30 days', even though it wasn't! "Turn in the documents." I already did turn in in a timely fashion?!

So I get yet another overworked 'specialist', who typically does not return my calls, only calling me once/week. He informed me on 1/5/12 that I would have to start a new application (RMA: Request for Mortgage Assistance). I have not yet received the application from him and it is 1/12/12! I asked him to send me, in writing, a list of what docs were still needed, and received a letter stating everything needed to be resubmitted! I have left two messages now stating I want to speak with her manager.

Wachovia plays nothing but a shell game with its customers who are already desperate given the challenges that drive them to seek assistance. I think it's time for a class-action lawsuit against the banks and the government for failing to uphold their duties when they demand it of customers. They take no responsibility whatsoever. At this point I have asked for a local specific point of contact to help me with this.

From the long list of complaints on Wachovia, it is amazing that anyone would do business with them. My complaint occurred in 2007 when I sent money from Spain to the US. The currency exchange occurred at Wachovia bank and they held my money for 2 weeks and then gave me an exchange rate much less than the value when the money was sent and less than the minimum over the 2 weeks period. I lodged a compliant with the government and was referred to Wachovia. I now avoid any transactions with this bank, doing SWIFT transfers and explicitly requiring that Wachovia be excluded from any transactions. My loss, and none for Wachovia.

Wachovia/Wells Fargo agreed to a short sale. Approval in writing. Seller on bad advice sent them a recorded Deed in Lieu in 6/2011 not knowing she had to get their approval for DIL. Short sale approved in 10/11. Title won't insure unless Wachovia/Wells Fargo deeds property back to original owner. They won't deed back, or issue anything to help us close. They are turning down money a client is trying to give them.

I was constantly being charged overdraft fees for very small checks. They would not credit my money back to my account. When I was working for the Census Bureau, they took my whole check for fees. I was so angry about the entire situation. That kind of treatment went on for years, until I closed out the account when I was planning to relocate to Florida. It is on my check system that I currently owe them $150.00 for returned check fees. They will not credit it to my account either. When I closed the account, I did not owe them anything! I am still very upset about this!

I received a call on my cell from an unknown caller. After 3 times of calling my phone, a voice message was left for me, asking me to call this number back. When I did call it, her first question was what is my social security number. I told her I will not give that to her over a phone. She then asked what my account number is. I also told her I would not give that out. She should have all that information, since she is the one calling me.

She became very annoyed, so I told her to not call my number again. I don't know if this is a scam, but I will never give my private information out to anyone.

My husband's ex-wife is suing for more alimony. Her attorney issued a subpoena to Wachovia, now Wells Fargo, for not only our joint account, but also my business account, of which my husband is not an authorized user and has no access to this account. I filed an objection to the subpoena which put a stop to it until such time when the opposing counsel files a motion for a hearing and obtains a court order for the records. She not only did not file for a hearing to overturn my objection but when the counsel sent a letter to the judge asking her to sign a new subpoena, the judge refused to do so without a motion and subsequent hearing. Wachovia acknowledged receipt of the objection but then illegally provided the documents of both our joint account and my own business account to opposing counsel. More than likely, this is going to cause us great financial harm. I am very interested in hearing my options in regards to making Wachovia/Wells Fargo financially accountable for their behavior and prevent them from doing it again in the future, as well as how to make opposing counsel accountable for illegally obtaining material she was denied by the judge. Thank you.

Excessive $35.00 fees for overdraw transactions not registered as posted.

I have received $150.00+ in fees on 2 linked accounts for transactions they claimed did not have fund but were authorized. How does that works? I would like Wachovia/Wells Fargo refund me the money they took away without any justification

My home went into foreclosure and I instituted a loan modification process with Wachovia. I was assigned a specialist to work with me exclusively. I faxed forms to them 2 and 3 times because Wachovia said I had not submitted them. I received a letter stating that my file had been closed due to untimely submission of the documents they requested. I strongly, vehemently deny those allegations.

The letter advised me to call if I wanted to continue with the modification. I immediately called them, and they informed me that my home was sold in a foreclosure sale on September 8, 2011. I received the letter on September 11, 2011. I faxed documents to the specialist on September 6, 2011. Wachovia states that there is nothing I can do now. I was blindsided because I was in good faith working with the specialist. I had no intention of losing my home.

My client's home was sold at Sheriff Sale while they were still on with their mortgage payments. The bank(s) did not obtain a foreclosure judgment, yet they sold the home in clear disregard of the law. I spoke with them the week prior and provided all proof that the payments were up to date and that they hadn't foreclosed on the home.

The case is currently filed as ** versus HomEq Servicing. The other defendants are Wachovia, Wells Fargo, Michael Milstead, Milstead & Associates, etc. These banks and lawyers cannot be allowed to operate above the law. They committed the criminal acts with full knowledge of its effects on my clients and their children.

Any similar dealings with these companies can be reported at the website. If you'd like to be a witness then tell us what you know.

On August 31st my wife deposited a total of (11) bonds totaling $5,698.24. We were pleasantly surprised at the amount, but neither of us thought to question our bank. She has been a member of Wachovia/Wells Fargo for nearly a decade. She was shown the total and signed a deposit slip for the $5,698.24 amount and it was deposited into our saving account.

Last night (October 12th) an automated withdrawal for $3,859.20 occurred. When we logged on this morning (10/13) we noticed it and were immediately alarmed. The transaction description read "CSTAR SAS MW/MD REF # SW-1100300395", which also threw an alarm as it seemed fraudulent.

My wife called the bank and initiated an investigation. After no response she drove to the bank and the teller told her that they (a woman named Mohini who works at the Peachtree Parkway location in Norcross, GA) had overpaid us on one of the bonds, and that Wells Fargo had deducted the difference.

My complaint is that a) if the amount was indeed overpaid, how can Wells Fargo take back the difference on their error, given that we signed a deposit slip. b) The teller told her that a letter was being sent in the mail, after the withdrawal had occurred. How can they not notify us prior to the event? That is a very unprofessional practice. c) How can they let their error slide for 6 weeks, then 6 weeks later hold us accountable?

I work in sales for a large corporation. If I "under-charge" a customer a few thousand, on what grounds can I stand and hold them liable weeks later for my error. I believe in personal accountability, which apparently Wells Fargo does not.

I would like to see the withdrawal amount deposited back into our account. My wife and I live within our means, and budget ourselves accordingly. Had they caught this error days later it would have been understandable; upsetting, but understandable. Weeks later is unacceptable and now as an expecting father, this comes at a horrible time.

Thank you for your time.

We bought a house in 2006, and our loan was at that time with World Saving. Then in 2007, we did a reference, and we got a bad loan as we did when we bought a house in 2006. We did not want it, but they said it was the best way to go. Then when we did the reference in 2007; it was still a bad loan, and the reference department man told me, "Don't worry because you can do next year another, and we will put you on a fixed rate." The market went to (H), if you know what I mean. We did well that year, and kept our payments on time even if they were so high. At some point in 2008, we lost at the end of the year 2007 a lot of jobs in our business. I became very ill; I had so many doctors' bills that we could not make payments for about five months.

When we missed the third payment, we got calls 24/7—they were threats all the time. I tried to explain to them the reason why were three months behind, and that we will not lose our home. This went on for more than 4 1/2 months, with nasty ladies and men telling me that I better make up all the payments or they will start foreclosure. I was so scared, and I got very sick. In December 2008, I was told that I needed surgery on my breast, but due to I lost my work, I had to wait for months my insurance.

I kept working with Wachovia regarding this and dealt with the hardship everything going on, but they cared less. I thought of one thing that might be able to help me find the right company to help us without a fee, so I contacted our senator in California. I was shocked because within a week I received a phone number to call and I didas soon as possible. She took down my information regarding my income and the hardship we were going through, and said she would give it to the bank. She said that if I did not hear from her within two weeks, I have to call them. At that time, they changed to Wachovia.

I did not hear from them by the thirteenth day, so I called. I spoke to a man. He told me that the modification went through; we would be receiving the new loan documents, and we did two days later. They took all five back payments and trashed them, and gave us a 4 percent fixed rate, but to my surprise they even dropped the balance of the loan. I asked the man in the loss mitigation department what our loan would be and how long we will be paying for it. He said the term of the loan is fixed rate. We signed the documents, and sent the papers back.

We paid our loan on time and then comes 2011. We lost more work, and I needed another surgery-- my thirtieth surgery at the age of 63. We had to save again as it cost so much. Being out of work and living on social security only and my husband at 67 years old doing all the work (in his 38 years in the construction business that we owned, he worked so hard just to get money for my surgery, and to be able to keep up with what we had to pay to keep our utilities on), we got so far behind our payments. I tried so much to work with Wachovia, but got nothing out of them. Nasty people from their office told me that, "You should have not bought a home you cannot afford" and I said, "You're kidding me." Who did he think he was by telling me that when we made larger payments before we did the loan in 2007? It went on and on.

Well, now is our home in foreclosure, and they have not set a sale date after nine back payments. They still will not work with me. We did put the home up for sale five months ago, but nobody is putting in an offer, so I called the foreclosure department. I tried to tell them that we will not let our home go. This is our home; in the 45 years we married, we have been in good and bad times and we made it through. She cared less. Then when we put the house up for sale, we found out that our loan was only good until January 2012. When we go back to the "pick a payment", we could not get back into a loan as it was. She said, "Well you signed the papers, so you knew it." I told her, "No, we did not." Then after over an hour talking to her, and I found out that she did not know my name, address and state. She said, "Well, Mrs. Jackson do you still live in the property?" I said, "Who are you talking to? Do you even know?" She said, "Oh, you're not Mrs. so and so, and you do not live in Florida?" I said,"No, I am not. I am Mrs. **." She could not get out of that mistake. I said I have written Wachovia, and called to ask for my loan documents to show me what it said, as we did not receive them. We just received a paper to sign and return back."

She said, "I will make sure you get one, as I'm going to send it out. If you do not receive this one, it has to be your mail service." I said, " I don't think so because I get all the nasty ones that stress me out. I am very sick with rheumatoid arthritis, and I am home all the time. I have not received anything, but only the ten letters you sent; five of the letters were for me and the other five were for my husband. When you send out the foreclosure letters, I always receive them. I have not as yet talked to anyone, but I sit every day waiting for a notice to get out." She said, "I know that they have lost everything, and I have no records of this last loan." I am at a dead end, but I have worked for months trying everything possible to save my home. This is our home, and all our hard work and money we have put into it. I will be damned if they take it back.

I am a small business owner and had two business accounts with Wachovia. After the Wells Fargo takeover, I saw my monthly fees increase. I decided to move to a Credit Union and did. I was not using my account much at Wells Fargo and found out they were charging me an extra fee for not using my account. I could not believe that the bank was charging me for being able to use my money. I closed the account and they continued to accept charges from vendors and then the bank charged me overdraft fees. This had to have opened the bank up to fraud since they would take any debit coming in from a vendor for an account that was closed. Customer Service in Oregon were very rude to me. However, the Branch Manager in NJ was very helpful and apologized each time in happened which was twice. After a number of manual adjustments she fixed the situation.

I requested a loan modification from them and was denied because they said we didn't meet the imminent default criteria, yet they won't provide written documentation regarding how and why they came up with their criteria definition.

They are starting to call me daily regarding my mortgage payment and when can I send a payment. I advised them I normally do my payment on the phone during the grace period, therefore, don't call me. They said they have the right to call me, yet I'm not currently behind on my mortgage payments.

Wachovia notified my insurance company that I no longer resided at my residence, so Liberty Mutual cancelled my insurance. I verified I did live in my home, & insurance was reinstated. A few months later, an email to my insurance company from the mortgage company stated my home was vacant. I called & assumed all was reinstated, it wasn't. Wells Fargo assumed my mortgage and insured my home for over $230,000. Double of what the replacement value is. Then flood insurance for over $230,000 (I am not in a flood zone). I am in foreclosure & just was told my insurance is over $450 a month. I could never qualify for any program as I am over-insured, my home is only valued at approximately $58,000 & replacement value is approximately $120,000.

This is in regards to foreclosure. Wachovia mortgage is trying to steal our house. Over the last few months, we fell behind due to unemployment (now employed). We made a double mortgage payment last month (making us two months behind). One week later, they put us in foreclosure with lawyers. However, we didn't know until yesterday when I called to make another double payment which would put us only 1 month behind. They are also holding our June payment in suspension and that pushed us into foreclosure. They said they tried to contact us however, I found out they had our old phone number from 4 years ago which I have since updated. They did not send letters, documents, notifications or anything. Help! They will not take a payment from us. If they did and applied the payment they are holding in suspension, we would be less than 30 day behind yet they want to foreclose. We need help, our loan # **.

I came on here looking about the letters I had been receiving regarding "Multi-Party Lawsuit on World Savings Bank". Find the note copied below from this person Mary. Five stars to you on uncovering banks and their fraud.

My problem is not with Wells Fargo. It is and has been with Wachovia. Prior to the lending crisis, I had something horrific happen in my family I can not mention here. The lender let me and my family use our entire savings, 401 K etc. My credit was ruined. And I almost lost my home if it had not been for our HUD department and having to tell them what had happened. We had played by the rules, but had a bad loan. If Wachovia had worked with us when I had went in the first place, my family and I would have been fine. My credit and my life would have been fine, still fine! I have documented and given to our local HUD office the details before the banking went to crap.

It took time and perseverance, but HUD helped get Wachovia fix the loan. HUD did what they could. They could do only the minimum, as everyone at that time was in an extreme mortgage crisis. But I was still with Wachovia. Wachovia immediately screwed up with the billing process. They somehow tried to electronically debit my account without permissions. I would never have allowed this, as I only receive payments one time a month. I am on social security disability. We had a year of talking, emailing and stressing Wells Fargo who I originally had the loan with. We have sent several letters. Wachovia still said I "bounced a check". It was electronic, mind you. I had to prove it. Luckily, it took time. We were able to go to the bank. We were able to do all the stuff you need to get back on track where it was deposited etc.

I found out it was cashed by World Savings Bank! No wonder there is fraud in lending. We the consumer think that the bank/business is out of business/gone, but somehow they are doing business as usual. It's new on the outside, but deliberate, unorganized, unchanged, and messy on the inside! So even though I have the mortgage fixed, I show late, always late on my mortgage. It is the biggest thing they look at on credit reports etc. So, no matter what else happened on top of them, it is screwing me over. It forced me to use the 401 K and everything else to try to keep ahead on my payments. I couldn't fix that. I also got sued by a couple of creditors during this process.

Wachovia was sold to Wells Fargo. Who are they really? They are showing my loan one month behind. Still, I am not. They have refused to change my pay date (since Wachovia originally) to a date that would work for me from the beginning of the HUD fix. So, what I have done to try to fix their behind one month issue is pay extra towards my actual principal. I hope that I can go in and speak to a legitimate home lender in the Wells Fargo bank in my city, who can understand that I have been in this home for 17 years and plan to stay, regardless of what the heck these mortgage companies are doing. It is sad to say that I don't think the fraud, lending practices, and sleight of the hand are going to change. I don't think a disabled mom of three who has survived breast cancer should have to stop, and let people who can figure out a way to push around our money get away with it. My family lost more than anyone can imagine before this lending crisis began. It was because of a choice that wasn't ours to make. It cost my children's father his lifeline of work of 25 years for his testimony. The home they have is their only freedom. I don't feel that it is reasonable for predators of unfair practices be allowed to do this to any family anywhere in the USA!

When the announcement was made that Wachovia was taken over by Wells Fargo, I was thrilled. One of the bankers pulled up my home address. The banker told me that I would qualify not for the $3,000 + payment I was making, but $1,798.00 per month with P & I. It was because I like to add my property tax and insurance on the payment.

I just wanted to make sure someone here has this information, so that it doesn't go unheard. I do think it is crap that anyone who sits behind a desk, pins an angel on a customer's lapel and visits with that client month after month would let them use their 401 K, knowing that their very own bank was going to be sold. Shame on them. Shame on their bank. No wonder that angel fell down my sink and I could never get it out! I had a sinking feeling knowing that my dreams could have been totally washed down the drain. I had put all trust in someone who dared pin an angel on my lapel and acted like they were going to take care of me, my family and our home. Just wait, I don't have the right loan this month, maybe in a week or next month. How many other people from that bank location had an angel floating on their lapel waiting for a loan that never came? (But in their case, they lost their home, or worse.)

My son has a checking account and savings account at Wachovia. He also had the Way to Save account at Wachovia but we closed it last week since they had decreased the interest rate. He has maintained these accounts for three years and has never overdrawn. In 2008-2009, he had over $100,000.00 in CDs at Wachovia but cashed in those CDs and invested the money at BB&T after Wachovia dropped their interest rates. Last week, he deposited a check from BB&T Brokerage account for $2600.00 and they put a hold on the check for 8 days.

I went to the bank to ask why they put a hold on the check for 8 days. I could understand one or two or perhaps three days, but 8 days! This is ridiculous. I asked why this check was being held. It was not a personal check, it was a bank check from BB&T which they could credit immediately. The answer I got was that checks were merely promises to pay, they were not guaranteed, and that they were trying to protect their customers from possible bad checks being deposited in their accounts causing them to overdraw if the checks were returned. In other words, because we can use your money for 8 days, and you can't do anything about it. When I told them we plan to close the account because of this practice, the response I got was "good luck with that".

I have an account with Wachovia. I opened my account with a woman named Linda ** in Shaw Air Force Base in Sumter SC. Next thing I found out she is sleeping with my husband and telling him to divorce me.

We are married for the last 10 years. I do have proof showing that she is sleeping with him on bank hours and using bank phone for her privilege. I called at the Shaw Air Force branch and talked to someone named Linda ** who told me she can't help me and can't give her superior's number.

I think Wachovia is a well-known bank and the employees have some moral values. My phone number is **. I want someone to return my call regarding this matter before I take this any further.

Horrible service and incompetent staff at Wachovia Mortgage's Loss Draft Department. We are the contractor authorized on the account to speak with the mortgage company in regards to the repair & reconstruction of the customer or mortgage holder's home. I have called the Loss Draft Department everyday for the last two weeks requesting the Loss Draft packet with forms to fill out and complete to be faxed to our company. Each time I speak with a representative they tell me that the fax will be sent to us that day between 4pm-6pm EST. We still have not received the fax.

I am a senior citizen on limited income.

They do not pay the bounced check charges that come from this, nor will they send letters of explanation/apology to my creditors. My fuel oil company now tells me because this has caused me to bounce checks twice, they will now only accept cash from me.

I asked the bank what would happen if I were out of town and dependent on my debit card; I was told "that's why they suggest people carry back-up funds".

This is a practice that people need to be aware of, and that needs to be changed.

Scott was rude and had little time to give me in order to answer my questions or concerns. He gave me a list of documents he wanted me to fax to him immediately.

I then called the 800 number once again. It was June 6, 2011. After again going through the initial interview I was transferred to a new "home preservation specialist" by the name of Martin Garriel 877-371-9962 ext 84522, direct number 210-338-4522.

On June 30, 2011 I faxed 47 pages of additional documents to Martin.

I called and left a message for Martin.

I then called the 800 number in the document and they expected me to pay them the balance owed. I explained to Sasha, the Wachovia representative, that I had no intention of paying the balance owed. That I had begun the process of renegotiating this loan weeks before the rate adjusted and I'm still waiting to have even a phone call returned.

I explained the whole situation to her and my frustration over not having my calls returned. She said that she would be gathering the documents I had previously submitted and she would call me by 3pm pacific time on Monday, August 8, 2011.

Wachiova Bank excessive NSF fees within 3 business days total $35.00 for three purchases less than $100.00. I called two days ago as courtesy to say, I will make payment to clear the overdraft. the CSR never implied that an additional charge would be added the next day or before I could get to the bank and make clear the negative balance. After making the payment, as promised, the same day another NSF of $105 was added, after I work, I checked my account. This happend within 3 days. I call the 800# and CSR, spoke with 2 reps both say there is nothing they can do about it. This is not acceptable, it is outrageous. I am NOT and REFUSE to continue to bank with an organization that allow Fraud, Waste, Abuse! Customers are being taken advantage and we need Congress or some government agency review our complaints. We need to stand up against Wachiova.

It's complicated, but I will try to explain. On a Saturday, prior to closing around 1:55pm (closing at 2pm), I went to the teller and withdrew money from my account. And then, I discussed my account with the teller who then said that customer service could make me copies of the fees and transactions on my account. I went over to the C/S to discuss my account and get copies. However, being distracted because of a fee the bank had charged me, I wandered away from teller counter without my envelope of money. Only one other customer came in to this teller prior to closing of bank. I have video surveillance of this.

Police were called out and a report was done as theft occurred in the bank. The poor security cameras in this bank branch and the new design of the teller counters caused a theft of a large amount of my money, $1600. The State Attorney's office was involved in looking at all camera surveillances. They mentioned that this branch had poor quality cameras, and it was being updated in September of 2011. This happened when it was still Wachovia. However, changes were occurring prior to it becoming Wells Fargo, who required these changes in the teller counters. I have gone to other Wachovia/Wells Fargo branches. Their teller counters were not changed, and will not be, according to the employee I spoke with in this particular branch. Also, the branch I visited, where my money was stolen due to poor security in the branch, had no handicap teller counter. But the other branch I visited did have this available. Why does one branch have a teller counter for disabled people in wheel chairs, and the one I went to does not? This is because my daughter is handicapped.

Since I have the information about this branch, I visited where my money was stolen. I wanted the thief's name and address to pursue a civil action against the theft, to get my money back that was on the surveillance. But the bank wants a subpoena to give me that info. I still may not get it from what I have been told. I spoke with the bank's security personnel who stated that in order to get this information, I needed a subpoena. I feel I should be able to go after the bank for poor security and the changing of teller counters, making it more of a security risk for its customers (me).

On July 22 at 3:18 p.m., I deposited funds to my checking account. Later that day at 4:48 p.m., I wrote a check off that account. The check was returned as NSF and I was charged $35.

When I went in to contest it, I first spoke to Donna ** and she said it was impossible for this to happen. I had to of written the check before 2 p.m. She basically called me a liar! I have proof of exactly when I deposited the money and when I wrote the check.

How many people are getting scammed by the practices of this bank holding on to deposited cash until the next business days but still allow checks to be processed as same day?

I have banked with Wachovia since 1997. Today I closed my account. I called the bank's toll free number to speak with a customer service rep about several overdraft fees. The person wasn't able to assist and recommended that I speak to someone at a local branch. I went to the branch with my ATM receipts and a printout of my online statement.

This was the situation. On Friday, June 10, I had a balance of $18.82. I had long stopped using Wachovia for my primary checking account and only use this account to deposit paper checks. On Sunday, June 12, I deposited $174.65 and withdrew $20 at an ATM. The receipt that printed showed an available balance of $94.88. Neither the deposit or withdrawal posted until Monday, June 13. However, on June 13, there were 2 charges of $10.00 from June 9 and $3.99 from June 7 that did not post until June 13. I incurred $70 in overdraft fees ($35 each for the $10 and $3.99).

Because of that $70 of overdraft, I overdrafted on the subsequent 4 charges posted on Tuesday, June 14, and incurred a total of $210 in overdraft fees. This was definitely enough reason to visit a branch to see what happened. I spoke to one CSR, who looked at my account and wasn't really clear on why the first two overdraft fees happened. She called over a second employee. He explained that the $70 overdraft was incurred because the amount for the subsequent 4 charges on Tuesday were actually being held on Monday, June 12, which would have meant that the $10 and $3.99 would cause an overdraft.

Fine, but then why would I be charged an overdraft for the Tuesday charges if the bank had already "held" a sufficient amount? He got snippy with me and started lecturing me about using a register. I said I didn't need a lecture, appreciated his time and help, but just wanted to know if there was anything I could do. I moved to the branch manager (employee #3, actually #4 if you count the phone call). I told her that if it is my fault for overdrafting, then I was okay with paying the fee. However, I needed to understand how this was my fault, and from what I could see with my statement and receipts, I didn't feel it was my fault.

The branch manager's explanation was completely different, and probably closer to what Wachovia/Wells Fargo actually does. On Friday, I had $18.82. Any weekend transactions don't count until Monday. On Monday, even though the deposit was made before my withdrawal of $20, and both the deposit and withdrawal post on Monday, the deposit ends up being credited to my account after the withdrawal on the same day. So let's say it is my problem for withdrawing $20 immediately with a balance of $18.82 and not waiting for my deposit to clear. Fine, but that would have only put me at -$1.18 and federal laws dictate that the bank can't charge fees for an overdraft of less than $5.

And because my deposit did clear on Monday, the $10 and $3.99 that also posted that day shouldn't have been a problem. But this is the bank's bottom line - even though I technically have another $170+ available on Monday, the bank is going to push through my charges before the credits that post on the same day. Or at least, Wachovia does this at its own discretion. I couldn't tell if this was standard policy or not. It took almost an hour for her to explain and for me to understand that this is what was happening. She also lectured me about using a register.

My retort - even if I kept a handwritten register, my register would have shown a positive balance, not a negative one, in this situation (not said out loud - because I don't do transaction gymnastics with my charges and deposits to manipulate a way to incur the most fees and give the bank free money). The $174+ would have been more than sufficient to cover the transactions according to any register I would have kept. Eventually, she said that she could only keep saying the same thing and didn't know what else to do. I asked if there was anything I could do. The only way the bank returns the funds was if it was a calculation error.

I sat for a few seconds, and then announced that I wanted to close my account (which actually had a positive balance at that time). I was polite throughout the whole process and repeatedly made sure to express that this was not a reflection on her or the other employees but a reflection of the bank's policies. When I announced this, everyone's tune seemed to change. Not that they weren't polite before (except snippy guy), but then it all became a game of "how can we keep you" after playing a game of "how can we justify stealing your money". I'm sure branches get penalized by the corporate office for losing customers.

Because the branch manager didn't have the capability of dealing with this, I got passed along employee #4, who asked multiple times if there was anything that would get me to stay. Yeah, if you want to give me back my $210, I'll think about it. So here are my issues with Wachovia: 1) The process and system of how charges and credits are posted is so convoluted and complicated that even the bank's own employees can't even explain them in a way that is clearly understandable. It took 4 employees (phone and branch) and 90 minutes before I could figure out what was going on, and I'm a pretty intelligent person (a score of over 700 on my SAT Math back in high school). And really only 1 of those 4 employees actually got it right.

The reason why the process is so convoluted is because Wachovia is manipulating all the numbers to make it more likely that their customers will incur fees. Thank goodness I moved my primary checking to Ally. Ally immediately (or close to it) posts charges and credits in the order they were made. I've never had discrepancies with what I believe is my balance and the actual balance of my account. Also, there are less actions that incur charges (eg. withdrawing money from a non-Ally ATM).

When Ally does charge some sort of fee, the fee is reasonable (eg. $9 for overdraft). I know Ally is a very different kind of bank from Wachovia, but if Ally has figured out how to make this possible then why can't Wachovia/Bank of America/BB&T/Fifth Third, etc? Answer: customers don't matter; just the pockets of the top execs.

i deposited my money and it disappeared. They said someone was using my checks online to make purchases and as of yet, my money has not been returned.

On Friday, May 27, 2011, I went to Winn Dixie Grocery store with my wife and used my card. We went home after that. My wife proceeded to go to work while I made preparations for our nice dinner that we had bought to share with each other. I found some things lacking and proceeded to go to Wal-Mart to pick up those items. Arriving at the checkout, my check card was denied. The following is what I went through:

The representative stated that my card had been deactivated due to suspicious activity on the 17th of this May and that a new card had been mailed out to me. No new card was received as of 5/27. There was no notification that there was anything wrong. There was no notification that my card was going to be deactivated. The card was used on regular basis since 5/17. In fact, the card had been used less than three hours prior to this incident at a Winn Dixie Grocery store. I was actually in a Wells Fargo Bank on 5/24 and nothing was noted or said to me concerning any suspicious activity. The representative stated that there was no way she could have it turned back on because Visa would not let this be done. I believed at the time but kept my mouth shut that the representative was wrong on this, as similar incident has happened before where Wachovia screwed up and deactivated my card and then I had to have them re-activate it.

The representative assured me that the new card would be delivered on Saturday. Thank you for screwing up our 20th year anniversary. I had scheduled a day trip with my wife for Saturday (May 28, 2011) in honor of our 20 years of marriage because I have to work on the 29th of May. Now I am sitting here waiting on a delivery from FedEx. It's because of the incompetence and lack of training of a Wachovia representative, as it was found out later in the call that the fraud department could have turned my card back on.

The representative transferred me to fraud department. The lady in the fraud department looked at my account and informed me there was nothing that she could find from 5/17 that would have justified the deactivation of my card. She informed me that the reason the charge at Wal-Mart had been denied was due to the fact that it came through as an invalid card number. She stated that if the original representative had not already canceled the card and scheduled another one for shipping, she could have had this one turned back on in five minutes.

On May 28, 2011 at 11:50, I called customer service to obtain FedEx tracking number for new card while I sat at my house awaiting the delivery. I was placed on hold for five minutes while the representative looked in to this. The representative came back on line and informed me that it would be 5 to 7 business days before the card reached me. I asked to speak to a supervisor. The supervisor's name is James **. From the 18th of May, the department saw suspicious activity. A card request from code 24 department was initiated. Who is "code 24 department"? Is that like their super secret "suspicious activity department? Mr. ** was unfamiliar with the department and unfortunately, he had no clue as to how to contact them. Bottom line was there was nothing Mr. ** could do that might resolve this incident.

I am now royally screwed. I have no card to go to ATM or to make check card purchases with as I believed the initial representative that the new card would be delivered today. On Saturday and Sunday, banks are closed. I leave tomorrow to go back to my officer, which is 175 miles away from where I live. How am I supposed to purchase gasoline or food? Oh, flipping joy! The inconvenience of this incident goes way beyond simple. It borders on the negligent, incompetence, and lack of proper training concerning the representatives of Wachovia. At this point, I could really care less if the new card ever arrives. If they screwed me like this, how can I ever trust them with my money?

I work with a General Contractor named Andrew **, the business I run with Andrew ** is to dry out, clean up, and repair damages caused by water leaks, toilet over flows, and leaking pipes that cause damage to people property. We work with home and business owners to make sure their home insurance companies do not take advantage of our clients and make sure they pay the proper amount to repair damages to the property.

We did a water cleanup, dry out, and repaired the damaged items at the house of one Rose ** of **, and her insurance company cut a check for $6,816.90 with the payees listed as Andrew **, Rose **, and her mortgage company Wachovia. It is common practice for insurance companies to list the homeowner, contractor, and Mortgage Company as payees on checks and the mortgage company will end up with the check after the homeowner and Contractor endorse so it can be paid to the contractor for services rendered.

The claim number for the damages loss or claim is ** and the Loan number of rose ** is ** which the insurance company and mortgage company use as references numbers for the loss or claim. The mortgage company decided to divide up the payments to Andrew ** and I into 3 payments based on a initial payment, a payment at 50% of work completed and the last payment of 1/3 to be paid upon completion. Wachovia sends out an inspector before any check is issued to make sure the work is done in a proper manner.

Rose ** the homeowner is in Foreclosure and I have done many jobs where the owner is not in good standing with their mortgage company but none the less a payment was made to us and services were rendered and completed. In February we received the first check of 1/3 the amount due which was $2,272.30. Wachovia sent the check directly to Andrew ** and I because we are the contractors and did the work, at this time all the work was almost completed. An inspection was done later in February and the 2nd check was to be mailed to us for the same amount as the first for $2,272.30 which was never mailed to Andrew ** or the homeowner. Wachovia claims they mailed the check to the wrong person but will not give us their name and says they cannot issue another check.

The job was completed and the final inspection was done and it showed we were 100% completed, the homeowner and I had the "Completion Certificate" filled out, notarized and sent back to Wachovia so payment could be made for the completion of the job. At this point two payments were due for $2,272.30 each totaling $4,544.60 which we have yet to receive and all the work was completed several months ago. Wachovia's Loss Draft department that sends out checks to contractors they receive from insurance companies has lied to Andrew and I over 60 times stating the checks were mailed every week starting back in February 2011. Normally it takes about two weeks money after our work is inspected to get our money from other jobs that have other mortgage companies but Wachovia's Loss draft Dept. has lied over 60 times and will not send us the money although they keep telling us the check is "In the mail".

The 2 final payments for $4,544.60 should not take over three months to get to us. This company is illegally holding our payment made by our client (Rose **) insurance company (Universal Property and Casualty) and I need you help to get our money because calling Wachovia's Loss Draft Dept on a daily basis is not working and we need our money.

There is also a supplement check for $4,198.59 that we are suppose to receive from the insurance company that will list owner Rose **, Contractor Andrew **, and mortgage company Wachovia as payees. This check is coming from the insurance company and we will have to endorse it (The owner and Andrew) and send it to Wachovia also so this will be another $4,198.59 they will owe us upon receipt along with the original $6,816.90 of which only $2,272.30 has been paid. This means Wachovia will have the original $4,544.60 and another $4,198.59 they will have of my money and I cannot find anyone who will make this company comply and send me my money, we do not have the funds for an attorney and should not need one on a legitimate transaction like this. I did 60 of these jobs in 2010 and never had one problem collecting my money from any mortgage company I dealt with.

On April 22, 2011, I went to a local Fort Lauderdale Wachovia Bank Branch downtown to cash a payroll check that I had from my job. My partner personally banks with Wachovia and while we were there, they of course wanted me to open a bank account. I wasn't sure about this since I had an issue in the past with Wachovia but he decided that he would speak with someone about joint accounts while I waited in line to cash my check. After cashing my check, I joined my partner in the room with the account person. He mentioned that he could open us a free checking account, a Way2Save account and of course, we also wanted a regular savings account.

My partner and I currently do not live together so we decided for ease that we would use one address for everything on the account, figuring that it would make things easy when we move into our home this summer. The agent took both our IDs and verified the address for the account. He said he opened a checking account, Way2Save and the savings account. We took the started checks and Way2Save withdrawal slips since you cannot make deposits directly into this account but only withdrawals and said that we would receive our debit cards in the mail.

On April 29, my partner had received his debit card but I had not received mine as of yet figuring it was just the post office being stupid. On April 30, 2011, I went to a branch to make deposits into our accounts. This was a different branch since the one I was using was closed that day even though the sign said that they were open until 2 p.m. This is when I learned of all the troubles I was about to deal with. I filled out the deposit ticket with my name on it and the account was not set-up as a joint account but me as a signer so they had to look for my information to verify my identity. I then tried to make a deposit into our savings account but was told we only had a Way2Save and could not make any deposits into this account which is the dumbest thing I have ever heard to not allow people to save money in a savings account.

My partner was not present so the Teller Manager/Branch Manager who was helping me told me that I should call them around 1 p.m. to open a savings account over the phone since we both had to be there together. We received the phone call around 2 p.m. but was unable to answer at that time so she left a message for us to call her on Monday, May 2 to handle things over the phone. We called her around 10 a.m. and spoke with Josie about this and she said that she would open a regular savings account and that we had 90 days to reach a balance of $300.00 before we incurred any fees. She also said that she would have all the account documents sent to us via mail.

The same day, she also offered to order deposit slips and checks at no charge for the error that happened when the accounts were established. I thought that was a nice gesture. I also informed her that I still had not received my debit card and she was going to look into this and have a new one sent to me. On May 6, I still had not received my debit card and I became concerned that someone else might have received my card so I called the customer service line to speak with someone about this. The lady I spoke with offered to expedite a card order and have it over night through a FedEx delivery for Saturday. She also verified my address and again, I was listed differently on the account and not as joint. The address that the original agent used was also incorrect. This upset me because now I knew both cards had been sent to a different address. She took my new address and said she updated the account and would send the card to the correct address. I said okay and hung up because I had a meeting to be at.

On May 8, I called back to speak to someone about the address issue and the fact that I had not received my debit card that was promised to me. I was also concerned about the address being wrong and my paperwork, deposit slips and information had been sent to a different address that I do not receive at mail. The lady I spoke to looked into my debit card and realized that the agent the day before did have the card processed in time to be delivered by FedEx the next day. So here I am, not able to access my money and my partner was at work and I was unable to meet him to get his card to use. She then began looking through the account and realized that I was not even on the Way2Save account or the Savings account, only my partner was.

She also verified that all the paperwork and items that had been sent out went to the wrong address, as well. I updated the address with her to stop this from happening again. She also informed that there was nothing that I could do over the phone about the savings account and that we would both need to go to a branch office to file a paper to have this corrected. This is impossible to do when the doors close at 4pm and we both work from 8:00 to 6:00, M to F and 8:00 to 2:00 on Saturdays. So the only options we had were to take off work to handle this matter and loose payroll due to their errors.

I told her that this was unacceptable and unfair to us, customers. I have banks that are asking for my business and willing to give us $100.00 to open checking accounts and $50.00 for savings and Wachovia didn't offer me anything from day 1. I was of course angry at this point and frustrated with everything so I asked to speak with a supervisor/manager. When he came on the line, he had already been informed of the situation so he immediately began to apologize for the situation. At this point, that isn't going to change me from being upset about all of my personal banking information and account information being sent to the wrong address or the fact that I still had no debit card.

He said that he could have the debit card sent and delivered on Monday, May 9 and he could have it sent to my work address even though the lady on Friday told me it could only be sent to the address listed on the account due to Federal Law. I asked him what incentive do I have to keep my accounts open with Wachovia with everything that happened and his only answer to me was that we could close all the accounts and re-open them to avoid issues with account use. This just angered me more because we would have to then go in person to set-up all 3 accounts, which was going to be hard for us to do.

More of our wasted time was due to errors that Wachovia made, not us. He said that he would also look into why each of the local agents I dealt with did not do their jobs correctly and had this handled inappropriately. He really couldn't offer anything to make it better nor could he offer a promotion that his competitor had offered me to open accounts. I informed him to make a note that even after he has looked into the matter on their end, I would probably be closing my accounts and going to another bank. I also informed him that if my information is or will be used for anything fraudulent against our names that I will take legal action against Wachovia Bank/Wells Fargo for screwing up. So I hung-up the phone with nothing resolved and lots of time wasted. I had my partner transfer all the money into the checking account so that I could go to the branch on my lunch break Monday, May 9 and withdraw the money. I am going to have the Branch Manger present during this process and then would close the accounts.

Today, I finally had it with your inept company! I have been hearing horror stories for some time now about your customer service, clueless branch managers and ridiculous fees. Well today, I found out what all the fuss was about. I closed my account today because no one would take the time to do their job correctly and completely. For the last 2 months, your company has been taking money from my account and putting it in a "Way2save" account, which I don't have or wanted. I never authorized anyone to take money from my account, so I called to get it taken care of.

The customer service agent said all was fixed and not to worry.Okay! Sure enough, I checked my account and money was still being taken out! I went to my branch manager here in Jacksonville, Florida on Dunn Ave. to have a personal meeting, to end this once and for all. She said the person I spoke with on the phone did not finish their job and nothing was done. She said she was sorry for that and she would fix it. Okay! As if I was surprised to find that one week later, nothing had changed and money was still being stolen from my account going into a "Way2save", which I do not have! This time, I went to a different bank thinking I would find some intelligent manager whom would see my problem, give me back my money and we could carry on our lives.

But no. After tapping for 15 minutes on her computer, getting another agent to look at the mess you people have made, she called home office to see what they could do. Again, not disappointed by the lack of customer service, she said she was sorry and there was a failure by "someone" to do their job correctly and that it wouldn't happen again. She's right, it won't! I may not have had a lot of money passed through your bank, but what I did have was mismanaged by substandard managers and customer service people. The horror stories are true and I will be passing this email on to the Corp. office by postmarked letter. Congratulations on being in the same category as "Bank of America", that's pretty low on the pole.

I Maria **, purchased this property. I made a $100.000 down payment. I was given a pic - A -Pay Loan. That loan eat up all the equity in the property. I was modified and payment became higher. My property was sold. Despite numerous attempt to save my property I was evicted.

We purchased a 2006 Dodge Ram 1500. The bank would not approve that vehicle because of the mileage. We were given a debt relief waiver on this one. On 8/31/2007 we were called to pick up another vehicle and this was the second contract. These were the only two contracts we signed. The vehicle we picked up was a 2008 Dodge Ram truck. We were making payments, but the Wachovia dealer service repossessed the vehicle. There is so much inconsistency and contradictory information concerning this vehicle we don't know what to do.

The account number on this vehicle is ** and the VIN number is **. Our payments were $524.39 per month. In the beginning we were sending in a little over to bring down the interest. The payment we were making was $551.18 and over. There is a discrepancy with the payments, the contracts, the insurance, the repossession itself, and the dates when it was repossessed. We feel the sale of the vehicle was not what they said it was. They said it sold for $11,700.00. This was a new vehicle barely driven. The mileage per year was way below the 15,000 miles per year. Please help us with this matter. We feel that the Wachovia did not treat us fairly. We want restitution if we have a case.

I have a terrible problem. I had gone to Wachovia Bank thinking everything was fine. I was talked by one of the representatives into a checking account, to be more specific, a check to save. Anyway, I went to Walmart wrote a check and got a code something. I stated I got money in my account. Walmart gave me my check back and nothing was done.

The next thing I know I am getting exorbitant fees. So I went from Walmart to Wachovia. The bank told me I had to straighten it out with Walmart. The fees ruined my account. To make it better New York State stepped in with my checking account. The credit card I used to have went to the extreme in debt. I was over medicated in New York on horrible pills on a misdiagnosis from a car accident. I was told I was going to commit suicide or kill others. They ** up my credit and everything. Well at this point I am not exactly sure which one it was that stepped foot in and blocked my account. My credit is messed up.

I have been having issues with Wachovia charging ridiculous overdraft fees on my account. I called on February 17 and spoke with an associate named Liz in reference to my account being charged $105 in overdraft fees on the night before I transferred money from my savings into my checking account to cover the transactions that would be coming out of my account. She explained that I had two transactions on hold and I made my transfer after 9pm so that was the reason I was charged three overdraft fees.

I then looked at my account again on February 18 and noticed that one of the accounts that was on hold, that I was told was already deducted from my account, had been charged another $35 overdraft fee. I called again and spoke with Mildren ** who then said that since my account was in the negative, the funds were released which caused my account to go into the negative again and that it was going to be charged again once the other transaction for $4.99 went through the system.

I then spoke with Kasey ** and she stated that I had already received a credit for my account and there was nothing that she could do. I feel that these four ladies were very inconsiderate and offered no way to help or assist. Wachovia is ripping people off and this is unacceptable from a bank. Their customer service is very rude and inconsiderate of people's feelings and unprofessional with how they talk to people.

I am a 59-year-old woman receiving SSI, which is automatically deposited into my bank at Wachovia in Wilson, NC on the last day of each month by the Social Security Administration. This morning at approx. 2:20 am (February 1, 2011), I called my bank to see if my money had been posted to my account, and it had. It said my "available balance" was $675.54. I have the ATM receipt confirming this.

I was unable to sleep, so I got up and went to my bank's ATM and checked my 'available balance." Then I withdrew $400 to pay my rent and monthly bills. After this, I went grocery shopping, using my bank's debit card at Walmart, spending approx. $67.00. I returned home at approx. 5:30 am and went online to check my balance again with my online banking. My balance was a little over $200.00. Then I went to bed.

Later, after getting up, I checked my email, and I had an email from my bank which said that I had overdrawn and they charged me $35.00 for a check in amount of $16.62 that had presented after I went to bed at 5:30 am. I have my ATM receipt dated February 1 at 3:33 AM (after withdrawing $400 cash) which said that my available balance was $275.54 in my possession. They posted the check after my deposit had been posted from SSI and then backdated it to Jan.31, 2011 online and charged me an overdraft protection fee of $35.00.

I have always been told that deposits cover any debits that post on the same business night. Please help, as I am being ripped off, and I cannot afford to get upset or pay this unfair charge. I live on a fixed income.

I have been a direct deposit "No Fees" customer with Wachovia for many years. In my last statement, they have initiated a new fee of $2.00 per month because other banks have submitted check images instead of the actual canceled checks. This will be a $24.00 per year fee on a free checking account. So apparently this electronic image costs more to process than the real thing. Then perhaps the bank that submitted the images should be charged a fee. I did not ask them for the new and more expensive electronic method. Ironically, banks continually pressure account holders to use electronic banking which saves them money and the cost of paper and mailing. However, it appears that electronic banking actually costs the customer more while it saves the the Bank money.

Wachovia advertises "Free Banking" online with only a tiny list which they tack on additional fees to the "Free Banking". Electronic images added to your statement is not included on that small list. If you want the complete list you have to request the information by calling the number listed. That's not very convenient. What happened to the electronic method being faster, cheaper, and easier? In this case, free checking really means $24 per year fees.

This started back in August 2010 when I submitted a check pay to FCPS (Fairfax County Public School). The check was denied on August 3rd. But it was redeposited on August 19th, which was withdrawn from my account. Days after that, I received a call from the school saying I didn't deposit the amount of $314.00 yet. So, I started calling the bank. They gave me copy of the check that was submitted. Then, that didn't mean anything to the school still. After several attempts over the phone, I decided to go to the branch close to home, where Alfredo (branch manager) was able to help, giving me the same answer. But he also told me that it was not $10,000. That's probably why they (corporate) couldn't do more research.

Finally, after 50 phone calls to the 1800 number service line, I got a gentleman who gave me a little more info on where the money went. But he told me that he would call me today in the morning to let me know what he found about the check. It is now 5 pm and he did not call me. So, my complaint goes to after 5 months. Nobody can give me an accurate answer. I'm the one who needs to be bouncing from here to there with several hours from my time on the phone and going to the bank in person. This is affecting my mom's school because they say I had no pay, even though the money was already withdrawn from my account. She already missed school today and will miss tomorrow and maybe the whole week. It's because they won't let her re-enroll until she pays the amount that appears as a debt. I know it is not $10,000 as the gentleman mentioned. But it is my money, my time, and my mom's education that could be affected, not for a week, maybe for 6 months until the next enrollment. Thanks for understanding.

Our mortgage with 4 payment options which originated with World Savings was sold to Wachovia Bank. In November 2009, Wachovia eliminated the negative amortization and interest only options which is part of the terms of our loan and forced us to pay for the principal.

Received fraudulent rental application from female with three children. Female wrote that she had never been evicted and also never refused to pay rent. Female just had judgement of $2,550.00 refusing to pay rent to Barry **. Female and 3 kids are now in my home in Asheville since October and won't pay rent. Entire application is fraud. Receives free legal aid.

Wachovia refuses to verify employment unless I pay them. Hence, Wachovia wells fargo is promoting fraud. I have a signed application stating that the statements are true and accurate.

I keep all receipts and enter them into MS MyMoney. I also printed out bank copies. My firewall and antivirus are updated everyday and run a continuous scan. I have no debt. Nothing balanced. Then I noticed that very small amounts, in the 5-20 range where my receipt said Visa were being double charged to my checking account and vice versa. Just small enough not to be noticed. The total amount was over $200. Small potatoes, but think of the number of bank users and it comes out to millions.

The banks will claim that, "This is an unfortunate mistake due to consolidation." Ha! Remember what they did to the economy and that Wachovia was laundering drug money and all the top executives walked with big parachutes. I have also had two illegal debits, as well as the bank arbitrarily withdrawing money from a never used account and then billing me service fees. I refused to use paperless billing/banking because it is so easy to miss these transactions which they want you to do and in the event of a cyber take down, how are you going to prove what you have?

Today I went to local Wachovia Bank to cash a check, which was issued on Wachovia only. Teller asked me to provide 2 forms of identifications, which I did. After teller entered the details on their system, she mentioned that they are going deduct $5.00 as service fee. There is no mention of service fee on any notification inside the bank and teller called manager Ms. Donna ** Manager mentioned today she can charge $5.00 and if she feels like she can charge $10.00. There is no set policy to cash a Wachovia bank check if you don't have an account with Wachovia. This is too much. They just want to squeeze poor Americans like me to show their bottom line looks good to Wall Street. Customers, who get last with them, they have to come to us. That's their attitude.

I am writing this because I have a complaint against Wells Fargo/Wachovia bank. I have been with Wachovia bank for the past 17 years and I have many accounts with your bank. I also have a second mortgage with your bank.I have been a very good customer and I was never late in payment. The mortgage payment was set to be withdrawn automatically from my checking account every month. In May 2010, my husband filed for bankruptcy on his own without involving myself. He had lost his job. We had requested the bankruptcy lawyer not include the house in this bankruptcy because I am the primary and I still would keep the payment.

For some reason the Wells Fargo mortgage was gone into the bankruptcy file and the bank had stopped taking the payment from my checking account without notifying us. By the time, I realized that the money was not taken from my account, it was 2 months passed and many times I went to local branches and nobody could find my account. Nobody wants to accept my payment because none knew where the account was. They even said that because Wachovia is in the process of merging with Wells Fargo, the account must have been misplaced. Finally when I was called the 1800 number, they said it was in the bankruptcy file, I was late in payment and they notified the credit agency.

This was not fair. The customer has the right to know before notifying the credit agencies. A soon as I knew, I paid in full and my loan is up to date and I also enrolled in direct payment from my account. I am still facing the hardship. I was trying to refinance, but due to the Wells Fargo notification to the credit agencies, my credit score is low. Before this I had an excellent credit. I requested Wells Fargo to refinance my mortgage due to the hardship without my husband's income. So far 3 loan officers tried to do my loan, for some reason they do not call me back or respond to my loan application. This is not the way to treat the customers. I always had a very good impression about your bank.

I hope this helps. For deposit, if you wanted it available immediately, then it has to be cash before the cut-off time. Make sure you ask the teller before you deposit. If it's a check, always keep in mind that check equals 1 business day processing, and would appear next business day at midnight. All branch take deposits on weekend but will process it the coming Monday, (again a business day). Most state cut-off is 2 PM.

Now, if a draft payment gets rejected, or paid and overdrew your balance, hence charged you an NSF fee of $35.00, as long as you attempted to deposit cash, then Wachovia phone bankers can refund you the fee easily. For any complaints with branch, or inconveniences, report them directly to the 1-800 number. If you are having difficulty with phone bankers, all you need to do is call back and get help. Word of advice, take a breather before you call the 1-800. It works all the time.

On October 1, 2010, I used the envelop-less ATM to deposit a combination of checks and cash of $898.00. The envelop-less ATM scanned the checks and counted the cash, automatically added the numbers. On November 12, 2010, six weeks later, the Wachovia withdrew $700 as ATM adjustment. They said of the $898.00, only one check of $198.00 was received. I have disputed and it has been two weeks. I have a perfect credit, never bounced a check in my life and been with Central Fidelity/Wachovia for 17 years. I have little confidence that I will get the money back. I switched to Free Checking, removed my funds and keeping a low balance just for the purpose that I may get my money back.

Each time I go to the bank, Wachovia does double transactions on my account. There is some type of harassment going on. I do not know what it is about.

I have two bank accounts in Wachovia and I have few online purchases. I pay my bills every month and I want my money returned back to my account. I had been overcharged with overdraft fees of $35 that I find it hard to pay all my bills.

They put restriction on my business account without my knowledge and branch charged $105 on returned transactions even though the balance was enough to pay those returned transactions. The branch manager refuses to refund this amount. No one in the customer service would have any help so far.

My auntie has a mortgage with Wachovia, and has been regular and in the habit of paying more than the monthly payment. The loan had always had a 15-day grace period. She, on occasion has made use of this grace period in the past. So, thinking everything was alright, she did so again for this month.

Immediately, Wells Fargo began to (and continue to ) harass her. It's disgusting. They've done away with her grace period, and they've been calling several times a day (from different phone numbers - surely to circumvent the laws on phone harassment). My auntie's nerves cannot handle this. Every time the phone rings now, she gets nauseous. It has to stop.

I owned 5 "way to save" checking accounts with Wachovia. After 1 year, I was to receive an additional 5% interest on my accounts. They gave me the interest on one account only claiming that I was not entitled to interest on the other four because Wells Fargo Bank (who recently acquired Wachovia) would not allow 5 accounts.

The original paperwork does not state this and I was given 5 accounts. I followed the rules to the letter, depositing $100 per month in each account. I followed the rules, now they won't follow those same rules. I lost $240.00 and repeated calls get me nowhere. I do not get calls returned and no one seems to be able to help.

On November 8th, I transferred $425 into my Wachovia Business Account. I had about $2 in there at that time. I then processed a payment to my utility company for $425. The payment went through the following day but lo and behold, on the next business day, Wachovia charged my account $44.28 in fees. There was no notice, no indication what the fee breakdown was. Even worse, the fees overdrew my account when the other transaction processed. Although the bank has now refunded $35 dollars, I am still, in my opinion, owed $35 and I feel strongly that they should also refund the fees.

I feel this never should've happened, nor should it ever have gone this far. I was embraced by Wachovia and was told I should not have to hire 3rd party. I should've never trusted Wachovia and hired a lawyer who could stick up for my rights and this is why:

How dare Wachovia take over 6 weeks to return my call? I called Wachovia just about every day as of September 7, 2010 in which I got a letter of denial for modification. This letter disclosed for me to call Wachovia if I felt it was wrong. I did exactly what my letter told me to do on that very day, and when I reached customer service, I was told that the Home Preservation was the only one who would be able to assist me. I called HP for that week and every day I did not get a return call. I would call Wachovia Customer Service again letting them know I have yet to get a call. I needed to update my financial and with the first 3 weeks of going through the same run-around and not one call back, I asked for a manager.

For the next 2 weeks, all he did was take messages to forward to HP, and then when he was exhausted as I was from at this point even going as far to faxing in a complaint to both Home Preservation and Wachovia Customer service explaining that I have tried relentlessly day in and day out, sometimes twice a day and at this point along with the assistance of a manager to still having no results or call back from the appropriate party.

After several weeks with the neglect of this matter I was now told I had a sale date. I was so upset that nobody has yet called me back. When speaking to the manager letting him know that this is absolutely ridiculous and I felt at this point no excuse for going in circles while now having a sale date, the manager gave me a fax number and stated he was just as helpless as I was due to the fact that they to have to count on home preservation to take my call and assist me. Therefore, the fax number to the office of the president would be the appropriate one to address this to. I had to fax twice and still it was not until October 27, 2010 did someone finally call me to address the situation.

I explained this Christine Ship that even during the time that I was waiting upon this office to call. I had made every effort to make contact with her and Home Preservation. The nerve of her to try to explain that now that there is a sale date. On November 9, 2010, it was too late for her to help me at this time. It is not my fault of how long it took for someone to call me back. Then sorry that I never should have been sent to Home Preservation. I was also advised that on that very first call that I made on approximately September 7, 2010, Customer Service are the ones who should have taken my call and made sure I had updated my financial information that would allow me to be reviewed again and would never have had this sale date.

I could not believe that due to the notes and documentation I have as well as a phone report to confirm I was doing exactly what I was supposed to do. However, Wachovia dropped the ball on making sure I was taken care of or directed as I should've to begin with and to have managers point out what should have been done 6 weeks ago, and not stop the sale date to allow me the right for modification. I feel I am being wrongfully denied and Wachovia is not taking credibility for this mistake and how dare them wait so long to call me back and then say now it is too late! I have a sale date due to their neglect. I turned to them due to the decline in my income, I was in an accident and suffered a spinal injury that left me disabled.

Wachovia started foreclosure on my home, but only because they did not post my payments properly. They said I was 3 months behind, when I was actually current. They sent my checks back, when I made my next payment. Now, the house is up for sale, and they will not provide my attorney, or myself, a payoff. I have just lost the sale because of their delays. I never got the proceeds from the sale of the property. They use unfair application of foreclosure fees and legal fees.

In 2008, my debit/checks were stolen from my home and used to get money orders which were deposited into my account. I was unaware of what was going on until I went to the bank one day to cash a check and my account was frozen. When I called the bank to find out why, I was told by a woman named Norma G. to go into a branch and withdraw funds in the amount of $1500 and close the account.

I then told her that the money did not belong to me and I was unsure of what was going on. She then said, "Didn't I talk with you yesterday?" And I replied, "No, this is my first time calling." At that time, I noticed that my debit/check card was missing and I went to the branch and informed them of the matter. We then completed the forms to have the account closed but Norma would not allow for me to open another account which the branch worker and I did not understand why.

Afterwards instead of the account being closed, it remained open for an additional three months with the $1500 still frozen in the account. My tax rebate was deposited into the account within that time period and I had to get an approval from them just to be able to get it out of the account. When everything was finally over and done with, they closed the account and kept the $1500 that had been frozen in the account. The whole time throughout that time, I received statements still being sent to me as if my account was still in good open standings.

I had no problem with them keeping the $1500 because I knew that it technically did not belong to me but I still really do not feel that it was right for them to keep it either. Earlier this year when I was enrolling in school, I decided to open a student account with them and was told that I could not and their reason being according to them is because my account was closed due to depositing checks into a closed account. I have worked for a bank and I know it is not possible to do such a thing.

When I asked to speak with someone, I was given the runaround and multiple different stories. I do not understand how I went through all the correct steps to report my property stolen and I still have the affidavit till this day that was mailed to me after reporting my stuff stolen but they are trying to say I committed fraud on my account. I was told that money was withdrawn out of an ATM and they knew the branch and everything but not once did they ask me to come in and see if I could identify the person on the tape or let alone even look at the tape themselves.

I am unable to get a regular account now because of the bad mark they have put on my name and what makes the situation worse is it's not even anything I can try and resolve because they took $1500. I never received any money; they did not even send me my five dollars back that was originally in the account and they even took money out of the account for checks that were ordered before the ordeal took place. So how is it that the account was closed but they managed to do that and the box of checks were even mailed to me?

I would like to take legal matters on this because I'm sure that is the only way this can be resolved. I feel like what happened with my account was not just the work of the one who stole my property but I believe a worker of Wachovia was involved as well because I do not understand how this could go the way it did . Even the woman I dealt with in the branch did not understand what they were doing. If it was something I had done, I would not even bother writing this. I would just simply pay what is owed but I owe nothing. I took nothing and still they have my name all messed up. I can't even get an account. It's hard to want to do the right thing when you have people *** you over in such ways. I am just at a loss for words with this situation and it's a real good way to turn a good person bad.

My husband worked for a restaurant, so he makes money every night. We deposit the money to the bank next as we needed. Wachovia was changing to Wells Fargo, from Thursday I was having issues, and I couldn't go to the online account. It was giving me error massage, then when I get in there after few mins, it was shutting down. So I wasn't able to see what check is coming and what I have in my bill pay account.

I apologize that I am not that smart to calculate in my head for everything. I had $1235.36 in my account; my total bill should go about $1204.13. They held the check some reason. They bunched my checks of $35.00, $25.00, $100.00 and $100.00, then they charged me 4 times overdrawn fee. Now they have become Wells Fargo and I did not do the schedule they are paying the creditor from my account. Please help me out. We work very hard for little money; they are trying to make money out of our pockets.

10/28/2010, received a letter from Wachovia, saying that I didn't request them to stop payment on debit due to no funds and loss of hours.They say, they couldn't do it. She cancelled all drawings on card from other companies but was still happening. Now in debt. Contacted your office, you forwarded to BBB in N. Carolina with case no.**. Since then, they have called three times demanding payment bon this bill, 10/19/2010,10/22/2010,10/27/2010. Keep telling them at time can't pay due to lack of hours, no money.

They want 70% first week then balance on the second week. No way can do. If they had gone by there overdraft protection plan I have, this wouldn't have happened to me. What's wrong here? Then get a letter from them today denying that I put in for a stop on card. Wrong. I stopped all withdrawals so this would stop. Still got an excessive bill from them plus a credit bureau also wanting there money.

They could stop it when they wanted to. Why not for me when requested? They say no file on request in records. Good business practice. No help from anyone. They say, I have to pay. They weren't happy to hear I contacted you on said matter. Now, have a closed account due to them. I feel this is discrimination to me. Well, thanks. Feel I can't get nowhere on said matter.

This week I noticed a small "way to save" transfer of $1, and then another for $2 debiting my already stressed out checking account. I never signed up for this and e-mailed asking them to stop it and to refund the money. They claim my name is not on the savings account so they cannot give me my funds back. I put my husband on the phone with them Saturday and he said that he never agreed to the account and to close it and stop the "way to save". Today, I noticed the funds were not yet refunded. I wrote another nasty e-mail (their response to the last one was to tell me how to close my account.) And then I called them. They said that all I needed to do was to have my husband call them. I told them he spoke with them Saturday. What do they want?

After keeping me on hold for 10 minutes to speak to a supervisor, the same person came back on the phone telling me that the supervisor would not speak to me because the account is not in my name! I told my husband to march in there in person and get this straight. What is wrong with these people? I want them sued. You cannot believe the fees for unavailable funds I have paid with them prior to the new check law and they are rude, incompetent crooks. The only reason I have stayed is that I have a lot of things tied to this account and I do not like hassles. Besides, I suspect most banks are equally bad. As an aside, once I was overdrawn between paychecks (which always happens) due to their fees mostly, and they took the funds from my son's account without permission rather than wait 3 days for my paycheck. He closed his account so ha-ha to them.

I called the customer service of Wachovia at least 3 times to clarify the usage of checks from a prior acquisition of another bank Southtrust. I was told the checks were fine and could be used with no problems. The checks were not and my daughter's rent check was declined electronically causing a late fee of $114.73. Of course, Wachovia was not liable and would not accept any responsibility for these fees.

All began with me making a payment for the home equity loan. Wells Fargo hit the wrong button and put in that I paid in full for $80,749.31. That left me with no money for an entire weekend. My husband just got paid, I couldn't buy food or medicine for my daughter who just came out of the hospital. When I tried to fix the situation, they were defensive saying that PNC, my personnel bank, was at fault and their hands were tied to fix the problem. Then the money was credited to me.

So I found myself $80,739.31 richer. I immediately called my bank to dispute this transaction. They did take the money back, but they took $500.00 more, $81,249.31. When I called Ann at Wells Fargo, she said that PNC didn't return the money and that she knew nothing of my $500.00. She said it was the payment I first tried to make. She made no attempt to help me get my money back. All she referred to is that my bank PNC was at fault and they didn't know anything about it. I explained to her that I live from check to check and I needed that money to pay my bills and food money. She had no sympathy or no customer service skills.

My husband got an executive from PNC to talk to Ann and we had a three way conversation and she was accusing, again, my bank of not giving them back the money. In return, my bank representative tried to explain that there would be no check from PNC and that this was all done electronically, but they kept putting us on hold to research the problem. It's been 3 weeks of pulling my hair out trying to get my money back. Today, they sent me a check for $114.50, 385.50 short of the amount I am due. When I called to see where the rest of the money was, they told me that they took the interest from the principle and that it would take another 7 to 10 business days to receive the rest.

I have had to borrow and beg to make it through the first two weeks that this began then, when my husband received his next check. I was short of $66.00, which I didn't need extra expense. I have a bill that I couldn't pay on time and they have put me more of a hole. Physically, I am drained frustrated and angry and very short of money.

I did an electronic payment to my account for my electric bill. I made 3 deposits on Friday, Oct. 8th. All deposits were cash. I got a balance before I left the bank. According to the teller, the electronic payment had not come through and that there was enough to cover the bill. I made another deposit via ATM, also in cash. The message on the ATM machines says that the deposit hits the account immediately. I went into the bank on Monday, the 11th, and the teller says that my electric bill was not paid. I ask why and she says because the money was probably deposited after 3 pm on Friday, the 8th, and would not be available until the 13th.

I explained to her that I got a balance from the bank and that there was enough money to cover the bill, so why wasn't it paid? I also asked why wouldn't the money be available until the 13th. First of all, it was a cash deposit and cash is always available immediately. Secondly, why so long when the bank was open on the 11th? She stated that even though the bank was open on the 11th it's not really open cause it's a holiday.

This is not the first time I have had problems with this bank and I have not had the account that long. The way to save account also throws people in the negative because you don't know how much money is being transferred from your checking account. I called customer service today to try and get this straightened out but they were so rude and unwilling to even try to help that I just tried to get in contact with the corporate office but they would not even give me that information. So now my electricity may be shut off because of this foolishness. This bank is ripping people off and someone needs to stop them from ripping off the consumer.

This is a horrible bank. I closed all but one of my accounts yesterday, and the only reason I didn't close the last one was because they wanted to charge me a $25 fee, go figure.

My wife who is 7 1/2 months pregnant, and hypoglycemic works for the San Antonio branch. Last week they pulled her chair, and won't allow her to sit down forcing her to get a doctor's note saying she needed it. When she took the note in, they still said it was an accommodation, and not medically necesssary, even though the medical note said it was. My wife could probably get in trouble for me writing this, but seeing as I'm her husband, and I'm writing this, if she gets one word said to her about it, it's just another thing for our lawyer to look at. This isn't all we have to complain about, and I'll be happy to share anything else with anyone who asks.

At the end of 1993, I started into foreclosure. By March 1994, I paid Wachovia and their attorneys (Shapiro & Fishman) what was owed and reinstated mortgage. Attorneys sent a motion to close to clerks office. They never went to court to close the case. Now it is 2010 and I just had to go before judge for case management and he finally closed case, over 6 years later.

I have an open checking account and savings a collection agency put a freeze on my account. When I went to cash my paycheck and make a deposit the teller did not inform me of the freeze on my account. So when I when to get some money out of my account 2 days later I was unable to. The teller I believe was racist or bigoted in some way. I have spoken not others that have had freezes on their account and they have been informed by their bank when making transactions. I am a white male. The teller was a black female.

My husband and I and our kids went to the branch on Saturday, 10/2/10 about 11:45 a.m. He wanted to cash a check $5899 that was sent to him from Innovatrade. (His mom passed away and that was money from an investment that she had and was sent to him after the will was read.) We waited in line and Jennifer attended him. He handed her the check and his CT issued ID and she asks if he has an account and he says no, so she responds that he needs another form of ID so he shows his Bank of America Debit Card.

She plays with the check back and forth, very load and rudely asks him where did he get the check, if he got it on the mail or offer (from that moment her demeanor changed, we were treated as criminals), then she shows the amount of the check to her co-worker on the right and on the left, they started whispering and rolling eyes at us, completely unprofessional.

About 30 minutes later, she comes back stating that she could not cash the check because there are some issues with the check, she could contact no one at the bank that made the check, didn't have required lines, different fonts and is issued to Daniel ** and his ID says Daniel **. We explained that in Puerto Rico, we used dad and mom last names but when we moved to CT 10 years ago to prevent confusion, he only uses his one last name and that he can bring his social security card and birth certificate to prove it.

She asks us if she could keep the check and she will contact the check issuer on Monday, 10/4/10, to verify the check. She asks for the best phone number, I wrote my number in a piece of paper and that she calls me with information. Today, 10/4/10 at 9:32 a.m., she calls me stating that she couldn't get in contact with the check issuer and the manager said that they would not cash the check because the check is no good.

She did not call nobody, they did not want to cash that check. Wachovia Bank in Miami tried to call them but no success. This is a racist issue. I called the manager Lisa **, Daniel already gave them permission to talk to me, to ask about what was wrong with the check, now they don't want to talk to me because I'm not Daniel, but they talked to me earlier. What is wrong with them?

The bank called them to verify and now they say they won't cash it, period. We want to see if we have a case due to racism and privacy issue. Please let us know. Thanks in advance.

I was asked by the upper management to take a demotion, and when I refused, I was fired. Wachovia is a horrible place to work in. The upper management is very discriminating, hostile, and mentally abusive. I am not the only employee that this had happen to. The EEOC need to investigate this company, and their policy. If you are not white, start looking for a new job. I am currently unemployed, lost my car, I could not keep up with my apartment rental, I am late on all my creditors payments, and I am now emotionally out of control.

I do not think that the triple agent and/or the ring leader in certain country and/or the United States of America was told the right thing about the paid plot and/or conspiracy to assassinate Dr. ***. It is better to take the shadow from the corporate office of Wachovia Bank and its president. Brokers not welcome.

Back on August 6th, 2010, I walked into a local Wachovia branch to make a deposit. The next teller, who happened to walk over from the drive thru section, came up to the window and waved me over. I told him I'm depositing $800 cash into my account. Now, I'm used to them asking me to slide my card in that machine right by the window, but he said he will take care of my deposit at his station by the drive thru. No problem. He comes back and I always ask, when I make cash deposit, is the money available now? He said, "Yes, it is available for withdraw from ATM if you wish." I replied, "Okay, thank you." I leave.

Now I was planning to go to Tampa, but didn't for the weekend. Good thing I didn't! Because the $800 was not there in my account! I saved the receipt and called Wachovia on Monday to ask why it's not in my account that I did last Friday! They checked and the guy teller made a wrong entry or some nonsense. And sure enough, one charge came during the weekend (One of those that just happen to come when your account is low!) and I got charged $35. But Wachovia admitted the mistake and removed that, and my money was in the account.

Now here it is on Sept 2010. I went to another branch of Wachovia to make $180 cash deposit on Friday, Sept 24, 2010. This time, the same thing happens, guy from drive thru comes over and takes my info. I didn't think anything of it. He tells me my money is in the account. How again is my money is showing in my account? Even still the receipt says calendar and deposit effective date is 9-24-10. It's now 9-27-10 and still nothing! I call and Wachovia says they will check. Apparently, the teller typed in the wrong account numbers. She was saying something about the number on the card is small or some nonsense.

How come when I slide the card it goes to my account? But when this guy takes it over to his terminal, he has to type in numbers? So my money went to some other persons account and I do see now that the receipt has the last 4 digits of another account. I never checked before because I never had this much problem! They must have some scam going on for two different branches to always make the mistake on a Friday that you deposit cash for the weekend and you wind up ** and facing overdraft charges, because their tellers aren't doing their jobs.

Don't make a cash deposit on a Friday. Go to a teller who is sitting at the window, not one that walks over from the drive thru. Check your receipt to see that it's your account number on it because they know you think your money is there for the weekend. They see your account is low when they pull it up, so they can easily make one wrong entry, you get your receipt, you walk away. Bank is now closed for the weekend, and you don't find out until Monday, all the charges you made during the weekend are now all including overdraft fees.

You know your money was there. The bank doesn't show it was there. Then you got to argue on Monday with them about removing all those fees, when they have a leg to stand on and say, you didn't have the money in the account!

On September 16th, I made a cash deposit and on September 18th my cash deposit was still not posted. I went down to the bank and spoke with the rude manager. I explained to her that I no longer wished to bank with Wachovia. The manager then refused to look into the matter any further and told me that I would just have to wait until the money was posted. I went back down to Wachovia on the 21st but my deposit still was not posted. By chance, someone from another location was covering and she spotted the problem immediately. The deposit was made to someone else's account. When the bank manager came back into the office she smugly said to me, "So did you close out the account?" I told her what happened and she didn't even apologize. I was very disappointed. I am in the process of trying to make a complaint. Which is a process in itself!

I opened my Wachovia account in May to set up a direct deposit for my school job (which required a Wachovia account). A month ago, I authorized Citibank to withdraw a certain amount of money from my account to pay my credit card bill. Wachovia, claiming to have overdraft protection, failed to move the proper funds from one account to another as advertised, resulting in two overdraft fees ($20 and $35).

After speaking to customer service three times, a representative told me that it was possible to have my money refunded, but I had not been with the bank long enough for it to be authorized (which in retrospect was probably also a lie). For this reason and the fact that I have encountered their bad customer service before, I promptly closed my account and moved all of my money back to PNC, whose customer service has always been helpful enough to refund any fees charged.

It must also be noted that the staff of the New Brunswick branch (save a few helpful people), are the most rude bank staff I have encountered. For instance, I had parked in the Wachovia lot which included a drive through teller to do business with the branch. When I left my car, the two tellers in the annex harassed me by telling me my car would be towed if I didn't move it. I reported them to the official branch.

Also, upon closing my account, I told the banker that I was closing my account because of the customer service and he noted my official reason for closure as "Personal," specifically noting that their service was "OK." Shady business practices with bad service and rude branches. This bank should have failed and closed up shop in our recent recession.

Supported and backed by the same evil doers, the evils of Wachovia/Wells Fargo sent a letter without any fear because it was premeditated with the calculated odds of injustice 24/7 by bribe. They have tried to look like good and godly by sending me identity theft protection (cover-up perpetrated by the stalker who is always there to generate ideas of killing her/his preys as an expert in times of hardship and imminent bust). Would you be surprised if the already and successfully abducted public servants (Mark **, the suffocator, Tim **, the executor, Bob **, the supremacist, and much more servants of the already premeditated and well studied agenda mafia's slaves) cry for the good banks and their godly offer while kept deluded? My account was forcefully closed by the stalker and his defrauding strategy by cover-up.

I want you to show me and/or make me able to reach out and understand the existence of Virginia State Senate and Congress, so they can act upon it to accuse the commonwealth which could not be done for 14 years. The evil vicious cycle that I am dealing with has done it for the fourteenth time between June and July of the year. And the servants kept on serving the butcher's/wolf with the sheep's skin 24/7. It looks like he must be an embezzler judge and/or an unknown stalker/dictator from certain and unknown server/source/country or agenda ever since day one. He's stalking a 25-year-old young doctor whom he made 39 and homeless, using the above four and their followers of what I am not afraid and opt in to call a commonwealth cult.

Supported and backed by the same evil doers, the evils of Wachovia/Wells Fargo sent a letter without any fear because it was premeditated with the calculated odds of injustice 24/7 by bribe. They have tried to look like good and Godly by sending me identity theft protection (Coverup perpetrated by the stalker who is always there to generate ideas of killing her/his preys as an expert in times of hardship and imminent bust).

Would you be surprised if the already and successfully abducted public servants (Mark **, the suffocator, Tim ** the executor, Bob **, the supremacist and much more servants of the already premeditated and well studied agenda Mafia's slaves) cry for the Good Banks and their Godly offer while kept deluded. My account was forcefully closed by the stalker and his defrauding strategy by coverup.

I want you to show me and/or make me able to reach out and understand the Existence of Virginia State Senate and Congress so they can act upon it to accuse the Commonwealth which could not be done for 14 years. The evil vicious cycler that I am dealing with has done it for the fourteenth time between June and July of the year and the servants kept on serving the Butcher's/Wolf with the Sheep's skin 24/7.

It looks like he must be an embezzler judge and/or an unknown stalker/dictator from certain and unknown server/source/country or agenda ever since day one stalking a 25 year old young doctor whom he made 39 and homeless using the above four and their followers of what I am not afraid and opt in to call a Commonwealth Cult.

They are supported and backed by the same evil doers. The evils of Wachovia/Wells Fargo sent a letter without any fear, because it was premeditated with the calculated odds of injustice 24/7 by bribe. They have tried to look like good and godly by sending me identity theft protection (cover-up perpetrated by the stalker who is always there to generate ideas of killing her/his preys as an expert in times of hardship and imminent bust).

Would you be surprised if the already and successfully abducted public servants (Mark Warner, the suffocator, Tim Kaine the executor, Bob McDonnell, the supremacist, and much more servants of the already premeditated and well studied agenda mafia's slaves) cry for the good banks and their godly offer while kept deluded. My account was forcefully closed by the stalker and his defrauding strategy by cover-up.

I want you to show me and/or make me able to reach out and understand the existence of Virginia State Senate and Congress, so they can act upon it to accuse the commonwealth which could not be done for 14 years. The evil vicious cycle that I am dealing with has done it for the fourteenth time between June and July of the year. And the servants kept on serving the butcher's/wolf with the sheep's skin 24/7. It looks like he must be an embezzler judge and/or an unknown stalker/dictator from certain and unknown server/source/country or agenda ever since day one. He's stalking a 25-year-old young doctor whom he made 39 and homeless, using the above four and their followers of what I am not afraid and opt in to call a commonwealth cult.

Wachovia repeatedly overdrafts my account, when I know that I have sufficient funds. I have my own spreadsheet that I use to track all my transactions separately from my online banking. But even after comparing my spreadsheet to their website, and seeing no differences in transaction amounts, somehow they are showing that my available balance is less than the balance I have! It is always by just a few dollars. But this is all it takes for me to get charged several $35 fees, which add up!

When I call them about this, of course it's always my fault, not theirs. I am very meticulous about balancing my checkbook and accounting for my many check card transactions. But they still somehow manage to overdraft me! This is very suspicious to me. And I think they count on the fact that most people don't watch their account like hawks, as I do. I have also noticed this suspicious "INTL service fee" of $0.90 that has suddenly started popping up without any warning. What was this fee for? I never got any notice about it! I believe it is just an excuse for them to pilfer money out of my account. Then, if I missed it in my own accounting, they can charge me again with overdraft fees when something else bounces. I am at my wit's end, as I believe this is plain, old-fashioned thievery.

I used to think Wachovia was the greatest, after my horrible experiences with another huge bank that I won't name here. But I have lost my faith in them since Wells Fargo took over. For those who think I am making a big deal out of $0.90, just remember that they have millions of customers. Multiply that 90 cents by the number of checking account customers, and that is a huge chunk of money (thank you for not publishing my full name).

Transactions are posted late. It is as if someone chooses the order. They are switched to charge me overdraft fees. I have printed statements from my account online where on 9/13/2010, I had $42.00 on my regular checking account and $50.00 on my savings account. For overdraft protection, that is a total of $92.09 of my money at the bank. I purchased 3 items on Monday night after bank hours (9/13/2010) so $92.09 - ($19.54) = $72.55. On Tuesday, I checked my balances online, and I have $42.09 as my balance posted and available balance of $72.55 available.

That night, a transaction came for my internet bill - $30.00. Wachovia returned the payment, and is going to charge me "insufficient funds"! Why are they doing that if I have the funds of $72.55?! The manager said that she was going to call me back tomorrow and she took my phone number down. Please help! Wachovia is stealing from hard working people.

This is about Wachovia and their fee scams. I had direct deposit with Wachovia. Every Tuesday is when my direct deposit happens and every Tuesday we had fee's of crazy amounts mysteriously hitting our account. I'm sure you've heard this from thousands of others! We finally changed banks but it was way to late! We tried to talk to them hundreds of times but they always had excuses! We couldn't pay our bills because they took all or part of my check week after week! We were 3 to four months late on all our bills and I had to pull out thousands of dollars from retirement to pay off all the bills and now our credit is in the tank along with everything else!

Like I said, we had to use thousands of dollars(10,000) to pay off all the bills that added up plus our credit went in the tank! They shouln't be allowed to get away with this. I know you have heard of these scams because they lost a law suit and ordered to pay 200 million to people they scamed until june 2008 but our situation continued until about 3 months ago!

I have a cleaning franchise with CleanNet USA. CleanNet banks with Wachovia. In order to verify availability of funds and to get my cash quicker, I opened an account with Wachovia. I decided it would be wiser to open another account to pay for subcontractor work. I keep just enough to pay subcontractors in my subcontractor account and the remainder of funds in the second account. My complaint is how BillPay is set up. Recently, I paid bills with the subcontractor account which did not have enough funds to cover my bills in error. This was my fault. What I think is underhanded is that the system allowed me to pay bills with not enough funds in the account so they could get NSF fees from me and I had more than enough money in my other account.

I wish I could close out these accounts and not do business with Wachovia, but CleanNet does not offer direct deposit. I was refunded $17 of $66 in fees charged and offered the opportunity for overdraft protection, which involves applying for a credit card or opening a savings account. For every charge, $1 would be transferred to savings. This seems like a bookkeeping nightmare waiting to happen. It's another clever way to get fees in the guise of helping the consumer save. BillPay should have a block when there are no funds in the account! I subsequently had BillPay removed from the subcontractor account. I just wanted to let someone know who may have input in getting Wachovia to change this policy. I was charged $66 in NSF fees and reimbursed $17!

These people begin ripping people off by charging excessive insurance amounts using Balboa after financing the vehicles. I was given a 30 day binder to add vehicle to charge. I had on another vehicle. They denied that and threw in an excessive amount. They claimed I owed. While I was attempting to get that resolved, they repossessed the vehicle and charged an overly excessive amount before releasing it back - all of what they claimed was owed + approx. (fraud) $350 more. After that they attached another $5.00, they claimed was for previous insurance for 2 months (already collected more than amount they claimed owed, in lump sum).

I pay every month on time and they deduct $5+and charged a late fee from my on-time contractual amount and begin to call numerous times a week asking for more money after they take payment and charge other bogus amounts. They are very rude crooks. They have caused extensive damage to my credit by submitting invalid reports which have caused me denied credit. This, as well as the constant calling and the fact that they have even illegally called my job as well as others I know w/ lies after I asked them to cease. This all has caused a lot of emotional and physical distress.

Recently my husband and I decided it was time to close the account at Wachovia. This is the Biggest Money Hungry Banking Institution that care nothing about their customers that I have ever known. My husband and I have lost over the last 8 years countless about of money to them for overdraft fees, unavailable funds, and NSF. This was a institution with Integrity when it was First Union and now its like Taz the cartoon character who eats everything it sees. Wachovia takes everything it can get it hands on.

I have been with this bank for ages over and over again. I would complain and things would come down only to start up again. They had no intentions of helping my husband and I or caring about our needs, they wanted those fees and by all means possible they would seize them. I remember during one Christmas they hit me with about a $700.00 of overdraft fees. They would take 35.00 for something that cost 3.00. It was absolutely ridiculous. I ended up having the worst Holiday of my life due to this stress. They paid nothing and left us with no money in the bank during the Christmas Holiday. My husband and I changed banks recently Thank God. We just got our money out of there. I sent them a email over the online account stating that I would like one of checking accounts closed, and that there was to be no more activity with the other. If anything came in to sent it back cancelled. I was calling around trying to catch everyone with the change but just in case I did catch them in time, please let them know the account was cancelled. I wanted this to happen because I knew how they were with overdraft fees.

I also wrote that I wanted to change it into a Saving. So a day or so I checked the account and I was overdraft by $200.00. They were letting everything come through. I wrote and told Wachovia I would pay up to an certain amount and that was all because I had requested the one account closed and other changed into a Saving. They would not it do because of overdraft fees. I have refused to pay it. I recently received a Wachovia recovery letter stating we owe them the amount of $562.00 in overdraft fees. This is a lie and I refuse to pay it. I will pay what I wrote in my letter to them and nothing more. I want to file a complaint against Wachovia. For Countless unnecessary non sufficient funds, overdrafts fees and unavailable funds charges over a period of several years.

I help to start a business for a friend and sign on to the account. This account was not connected to any of my other accounts. He overdrew the account and did not clear this up and they went into my account and clean it out without any notice. They have my address for the other account they could have alerted me of this account balance before they just took my money. The funds were my paycheck from Kmart and these funds were left to pay my rent and bills this has cause me to put everything in jeopardy of losing and late fees.

On 8-31-10 around 11:56am I spoke to Lashawn ***n from the Wachovia customer service department. Very rude agent from the beginning. I was calling because I got a NSF of $35 for something that I still don't understand why. I had deposited the money in the account the night before but they state that at the moment of the transaction the money wasn't there.

I was just hoping to get an logical answer but the agent just kept on getting very hostile. I then told him I didn't want to speak to him anymore and the first thing out of his mouth was that he could have someone contact me in 24 hours. I told him that I needed to speak to someone at that moment so that's when he told me he would transfer me to the Spanish line. I never asked to speak to someone in Spanish. I speak perfect English but since he was able to distinguish my Spanish accent, he automatically assumed. I feel very discriminated towards that action and although I'm proud of being a Latina, I didn't appreciate the way the agent handled it. I then called back and spoke to a very nice lady that provided me with the agent's name as well as filing a customer complaint against the agent. She did tell me that the agent had placed notes in the account stating that the call had been disconnected. How convenient!

Like everyone on this site, I have been swindled by Wachovia but not with the same severity as others. I made a cash deposit on Wednesday 8/25 at 4:40pm in the amount of $300 for a car payment. I then went down the street and wrote a check for $267 the same day at 4:45 for the car payment. Two days later, I checked my online account and found the check bounced for insufficient funds. Now the only reason I opened this account is that my company uses this bank for payroll. Long story short, I got tired of putting my thumb in the ink pad and after being pressured every time I went into the local branch and opened an account 3 months ago.

Anyway, I called customer service and spoke with Eloise ** and my problem fell on deaf ears but after a length conversation, she implied that this was the way banks earn revenue and it's a very big business. Boy, was she right. After researching this on the web, it's a mutlti billion dollar scam played on all unsuspecting bank customers. I could have just let this incident go because the check came back the next day and was paid minus the $35. But I was frustrated and went to my local branch at 9:00 am when they opened and spoke with Charles. He listened to the issues and said I was out of luck, there is nothing he could do since deposits are not credited until the next day because the cut off is 2:00 pm.

But my question is, if that's the case, why are debits allowed any time? The same rule doesn't apply. This seems extremely unfair and for anyone reading this article, do your homework and check the complaint sites. I have 3 different banks and all but this one have been very good and all without incident. I then wrote a check and pulled all my funds, went back to Charles and closed my account. Now my story isn't as severe as most others, but says volumes about how dishonest, decitful and deceptive Wacovia Bank is. By the way, they are now runned by Wells Fargo! In the end, I was smart enough to see the writing on the wall. Are you? Do your homework, and check the complaint sites first.

I received a message to call Wachovia via my email regarding a secure message. After asking me my full Social Security Number, my account information, and my address, when I opened the account(s), what type of services I received, Alex ** refused to tell me why I received this secure message. I just had an interbody lumbar fusion and cannot walk. This person was the supervisor. He still refused to give me information. I asked him if I needed to call the police. He refused to comment.

I cannot walk, nor can I sit up for more than two hours at a time. He told me I had to go into a Wachovia Center to find out. What? And he was extremely rude. He told me my account information was inaccurate, which it is not. I have paid over $24,000.00 back in my auto loan. I am not late on this month's payment. I am concerned and guess I have to call the police. Meanwhile, I answered every question correctly and called the number they requested. How am I supposed to go walk into a store? And why wasn't I provided with the information? I have no idea how this will effect me, as I am disabled. It is outrageous how these banks gambled with mortgages outside the country putting the entire world in a tailspin causing massive layoffs and foreclosures. Why doesn't Obama do something about this rabid actions of the banks? It's their fault the economy is like this in the first place.

Everyone complains about past administrations, but what has this administration done about the banks? Nothing! I am so sorry I voted fro Obama. Maybe Sarah Palin doesn't know her geography, but she knew enough to return the money to the people of Alaska and to throw the corrupt people out of government.

My daughter who is a student opened up her first checking and saving account. The FS Officer offered a benefit to my daughter, saying that he was going to link her savings account to her checking, so in case she was going to overdraft the account on her checking, the money would be taken from her savings. He did not disclose to me that there was going to be a fee charged for doing that.

For the bank to take money from her savings to deposit into her checking account, the bank was charging her $10 each time, when you could easily do an online transfer which would not cost anything. I contacted Erik several times, and he explained that he couldn't do anything about it and that he had to talk to Jason.

I have been calling them several times for the past two weeks and have not received a courtesy phone call. Being the consumer, I feel as if they did not perform customer service in trying to resolve this issue. And until today they still have not called me back. There were too many excuses, and I feel that my daughter was taken advantage of, especially she being a student and has no clue of banking.

No disclosures about the fee was mentioned. The only excuse that they could make was to read the material that was given. Come on. If the FS offered the option which is a choice, he could have taken the time to explain the fee, unless he was thinking about the commission that he was making off on it. I am for the principle, and if this is how the consumer is treated, then I think people out there should really look at their bank statement and see what else they are being charged for.

I was a customer of Wachovia bank for some time until they started to take from my bank account almost every week. I got paid every week and I would go to the bank to cash my check. And before I could get my money, they would take out for some unknown fees. I would get overdrafts even if I had the money in my account. I got so tired of it that I decided the next time that they did it, I would not pay it. With the last 3 transactions, I have copies of the receipts and the purchases that were made, and the amount of money that was left in my account when I made the purchases.

The purchases were made at different times at different stores. What they did was hold the transaction from going through and put them through all at the same time. This caused me to have a $35.00 overdraft on all (3) of the transactions. There would have been money to cover all the transactions if they had allowed them to go through when the purchases were made. That happened on 06/30/2008. After that, I decided no more, and I wasn't going to pay it no matter what they said or did. They didn't want to work it out, but they wanted me to pay them. I said, "This was it. Close the account or do what you have to do, but I won't be paying this. Report it to the credit bureau. I don't care." I still have the proof right now in my purse. I don't know what made me hold on to this stuff, but I did in a way I'm glad I did.

I applied for a refinance through World Savings in 2005 and have come to realize that it is a "Predatory" loan, a COSI with prepayment penalties. What can I do now that I am losing my home? I have been unemployed for almost 2 years, I am 58 years old. I have well over 1000 resumes out in email and I am losing my home of 11 years. I am stressed and depressed having nowhere to go once my house is sold, if that is possible. I am in debt and before, I had over an 800 credit score. It is now not even 600. So with destroyed credit and no help from Wells Fargo or the OCC or Hamp or any other company/organization I have tried reaching out too.

I guess I will be living in a tent across the street from 1600 Pennsylvania Ave.! An acquaintance suggested I try and find people out there like me who have been taken advantage of and are now losing everything due to the greed of our politicians, the banks and our own president. Please help us! I am a natural born American citizen who cannot even get help in her own country. Shame on our government, shame on Mr. Obama.

I recently moved from MN to PA and needed to open a new bank account. I went to Wachovia June 22, 2010. The representative at the Exton, PA Branch, Patricia, asked me what benefits I was getting from my previous bank and what my priorities were in a checking account. I explained that my priorities in a checking account are that I do not want to pay any fees, to earn interest from my checking, get free checks and get rewards from my check/debit card without a fee. She explain that I qualified for all these benefits if I opened a Crown Classic account and maintained a $1,000 balance.

Last week, I received my statement and there was a $12.00 rewards program annual fee deducted from my account. Please note that there was no mention of this fee in the paperwork and package that was given to me at the time I opened my account and I was assured by Patricia that there were no fees associated with this account including the rewards program and all I needed to do was go online to register for the rewards program.

Accidentally, I over spent with three purchases all less than $5. I was charged 4 fees of $35 to reach a negative of $167.00. I called to ask for a reimbursement and they said that I should learn how to use the account better and didn't qualify for a reimbursement. My feeling is that they should have declined me at the first purchase that I didn't have the money. They said that it's a courtesy not to embarrass the account holder. I spoke to 6 people but got nowhere. What the hell kind of banking institution is this? And they say that they are there for you every step of the way. You can get no help and very rude employees. Does the corporate officers know about all these customer issues? I had to borrow the money from my dad to put in the difference and was out of that money. I'm only 17. I now have plans to close it.

I was charged $140.00 in overdraft fees and my account was never overdrawn. They removed $140.00 from my account unlawfully and refused to credit the full amount back.

I deposited $60 CASH in the Wachovia envelope-free ATM on 7/15/2010, and the receipt updated my available balance. I checked my balance on the internet and it also said that I had over $300, more than enough to cover my $214 transaction with AT&T that night. I checked my account the next day, and it was charged $140 for overdraft fees, for debit items of less than $10 each.

The next day, I was charged another $70 in OD fees, because of the prior day's overdraft fees. When I called customer service they told me the ATM balance isn't "really" my available balance. If I can't trust my available balance where do I go to know how much cash is available to me? In addition to that, in two locations on Wachovia websites, it says that envelope-free deposits are credited instantly.

It reads, "Cash Deposits: You can insert up to 50 bills, in any direction, and the ATM will automatically sort, count, and itemize your cash deposit on the screen ,and on the receipt. Cash is credited to your account instantly, just as if you made your deposit with a teller".

"Are my deposits credited faster? Yes. Cash deposits are available for use immediately. Check deposits made on weekdays by 8 PM will be considered received the next business day"

If immediate availability is what they advertise, why was I charged $210 in overdraft fees? I have a direct deposit with Wachovia, and the bank took my whole week's paycheck.

We contacted them before we ever got behind in mortgage payments, and asked them to help us get into the loan mod process. They said they didn't have anything of that nature set up as yet (9/08). Then, I spoke with a neighbor who was going through a loan mod with his bank (Chase), and he asked if I was still making payments, and I said yes. He said no one is going to help you if you're still making payments! So we missed a payment finally. A year & 1/2 later, and we got the loan mod process started. We've been denied a loan mod, then, when it was discovered by Wachovia that they had crossed our files with someone else's, we started the whole process all over again, until we got turned down again.

We contacted a lawyer (American Residential Law Group) to fight on our behalf, and paid them $1,650.00 to represent us in the loan mod with Wachovia-Wells Fargo. They're still telling us we may not qualify, because we make too much money. I'm a state worker in NJ dealing with frozen pay (just got a 1-1.5% raise ), but others have been deferred.

I make a lousy $37,000, a disabled vet (40%), with a 2 year old kid, and a wife, who's reduced her work load as a hairstylist, to raise our child, and stay home (not making $35K annually anymore). I am unable to do part time work because of my work schedule, and our daughter. We thought this loan mod process would be pretty simple. Reduce the interest rate, extend to 40 years, or a combination of both.

How difficult can it be to conform to the president's bill? Aren't they mandated to conform? It shouldn't take almost 2 years to get the loan modified. Besides if a homeowner like me, who didn't purchase a home out of the real scope of income dos not qualify, who the ** qualifies?

We are already living paycheck to paycheck. We turned in one of our leased cars, and got a junker, which put over $400 back into the household income. We've cut back on utilities (through a state plan that was free through insulation, energy star products,etc). We are in an unknowing fog about whether we'll be able to keep our home. Then we hear about Chase renigging on loan mods with their customers (my neighbor), who initially agreed to a loan mod package, then found out he was in foreclosure? We need help and now!

Wacovia incorrectly attached an insurance premium to our car note, claiming that our car was uninsured. We provided proof of insurance, received a statement acknowledging proof of required insurance, and a statement that our account would be credited. At the same time, they were still sending out payment due statements, charging us too much. We made two or three such incorrect payments until we could no longer afford to.

Wacovia collection agents would not accept payment amounts less than what was on the bill, the same with automated phone and automated on-line. Wacovia literally forced to pay the wrong amount car note even after proof of insurance. When one could be reached, Wacovia representatives were ineffective, acted irresponsible and mostly non-responsive by phone. We kept getting passed on from one Wacovia rep to another, trying to get our account rectified. Then they suddenly came out and had our car towed away, claiming that we delayed our payments.

When in actuality Wacovia delayed us from making our payment. Even while we tried to resolve the matter with Wacovia, they soon afterwards promptly sold the car for an amount they claim was a below market value and are harassing us to pay the balance of the sale of our car. I spoke to everyone, up to someone in the president's office who reviewed my documentation and declined my appeal for account correction.

Wachovia forced insurance on me illegally. I have documentation from AllState, proving that my coverage homeowner's insurance never lapsed. I also have a letter from my lawyer dated last year, requesting that the Line of Credit and account be cancelled. They failed to cancel my account and then added the insurance charge this year. They also placed the line of credit on the wrong property. I am receiving harassing phone calls from them (for their errors) from this number.

I went online to look at my account. I had $40. I got $38 in gas. Basic math: $40 - $38 = $2. Then, I had an iTunes charge hit at $9.50. Okay, I over drafted and got hit with a $35 overdraft fee, but tell me, why did they hit me with 2 overdraft fees? So, I called Wachovia and they said it is because the iTunes hit first. Okay, again, basic math: $40 - $9.50 = $30.50 and $30.50 - 38 = overdraft. Once, I was then told that according to bank policy, I get one overdraft fee for $35 for over drafting. I got it, but the second is because the account wasn't put back at 0.00 before it all posted so there was another overdraft fee.

When I complained that that was the stupidest thing I'd ever heard of, he said that he could refund me $10. What? I understood the first overdraft fee and I accept it, but twice? That's $70! I am a single mother of 2. I don't make very much money, and so for them to take out $70, I mean, that's groceries for one week!

Five years later, when it came time for me to sell the rental lot, I had to race with a letter from my lawyer to Wachovia to get them to cancel the line of credit placed on the wrong property.

They faxed the proper forms to my lawyer, but failed to cancel the account. The gentleman at my local Wachovia demanded a $100.00 charge to put the line of credit on the correct account, which I refused. It was their mistake, not mine. I found that my account had not been properly canceled six months later when I received a bill for $1,118.00 for an insurance policy that they forced on me because my homeowner's insurance supposedly had lapsed. My homeowner's insurance has never lapsed. I have faxed letters from my lawyer from my local Wachovia's fax machine) to other divisions of Wachovia/Wells Fargo in addition to letters and documents from my insurance agent.

These letters and documents prove that Wachovia/Wells fargo failed to cancel my account and that charges were forced on me illegally. They will never admit that they have made a mistake and will swear you have not provided proper documentation unless you actually go to your local bank and fax the papers from there. Then you need to call the branch and confirm if they actually received the faxes. And follow-up because they will drag their feet, lose your forms, claim you left out a form, all so they can charge more interest.

And then you will receive harassing calls from a different division demanding payment which you may or may not owe. Ask me how I know this. I am still fighting this out with them.

I had been working with Wachovia for 6 months to get a loan modification. I had sent in 5 complete updated packages and was very proactive. I called the processor on March 31, 2010 to see how the loan was progressing, she said to send in another updated package, I did and called again on April 6, 2010 to see how things were progressing.

The processor asked me to send in bank statements so I sent them in on April 8th and called to confirm they had been received. I came home on May 3rd to find a 3-day notice to get out of my home, my home of 14 years had been sold at a trustee sale and the buyer was Wachovia. I was never given any notice thus allowing me a chance to respond or save my home. I have called every department at Wachovia to see what happened and everyone sends me to someone else, but will not allow me to speak to a supervisor.

I have written letters to the head of the foreclosure dept and to the mortgage companies attorney, with no response. They claim I needed to come up with $775,000 but they turned around and sold the house to Wells Fargo for $435,000 on May 15th. I know I will be receiving a unlawful detainer notice any day now and I don't know what to do to save my home. This just wasn't right and Wachovia admits that my file fell through the cracks but say there is nothing that can be done at this point, but for us to find somewhere else to live.

I'm not giving up until I have my day in court. How can they do this to us? They were deceptive and out of compliance but they don't seem to care, will a judge care? I lost our home of 14 years

Wachovia representatives are threatening to not consider me for a loan modification if I do not sign form 4506-T, but they want me to leave lines 5-9 blank! This is an IRS form that clearly states on top "do not sign this form if any lines are blank." Wachovia refuses to budge. They say they will fill it in later. I asked them to send me a completed form to sign and they refused. This is blackmail and threats. There should be sanctions for this. I cannot get a modification. They are threatening to foreclose, further ruining my credit. How can they be allowed to have such threats and ask you to sign a blank form?

Had a nice, small account with Wachovia. I had this account for few years. (Then Wells Fargo acquired Wachovia, it went downhill from there, to me). I used this for small purchases, just a little extra money for collectibles, etc. One day, I go to Wachovia to make my usual deposit. I was asked to open a savings account with only $10 to put in, thought this was okay. So, a couple of weeks go by and I receive my statement and, there was a withdrawal of $20. Unbeknown to me, this was because my account did not have $1,000 minimum! This was not explained to me at all! I would have not agreed to this had I known! Felt like I was kicked and, duped! So, I ended up closing this account! In my opinion, service has gone downhill ever since Wachovia got taken over by Wells Fargo!

I had been unemployed for almost a year. I thought I had gotten a job through the internet. But it was a scam. I was given a check that had been stolen and was drawn on a closed account of a large out-of-town institution. I deposited this check in my Wachovia account. When I presented it to be deposited, their automated system refused the check; and the branch manager manually pushed it through for deposit.

About a day and a half later, they cleared the check and made the funds available to me. I withdrew money against the check. Then a day later, Wachovia indicated that the check was not good.

None of this would have happened if Wachovia had been more diligent and not made the funds available before they knew the check to be legitimate. I have tried to resolve this with them. The most recent communication from them encouraged me to pay them more than $1,000 that their actions cost me. I filed a police report related to the scam.

I lost $900 that I had struggled to earn and borrow for my monthly mortgage payment. My account was now overdrawn by more than $1,000. I was not able to pay my mortgage. And I am now prevented from having access to a bank account. Not having a bank account is a big hardship.

I did 3 debits which was supposed to have come straight out my account. Wachovia Bank held the debits and waited until a check came through to release these debits which they charged me $167.00 in overdrafts. I am sick of them doing this to people. They have done this many times. Someone needs to better manage these banks and what they do with people's money. Debits suppose to come right out your account, instead they hold them and wait to get a check when they can cause your account to go over.

I was charged $210 in unavailable funds fees. Over the weekend, I rented a U-Haul truck. They placed a hold on my account. This hold combined with several other charges reduced my account. However, I have learned that the reason I was charged six overdraft fees is because it is Wachovia's policy to deduct debits according to amount, meaning they will deduct from largest to smallest.

Had they deducted the charges based on the date of the transaction, I would have only had one fee of $35. Instead, they reduced my balanced from largest to smallest, resulting in several charges for small deductions. They will not refund any of those fees even though I had over $1000 in another account at Wachovia. And I have had my accounts with them for over 10 years!

Wachovia Bank is playing games with my accounts. After reading some of the other stories, mine is tame in comparison. They hold on to your money like an escrow account (hold) and give you a false balance. Now, they just hold that" hold" for many days in the hopes that you overdraw your account. Something must be done about all these bank that result to trickery. Is there anyone who can help for us?

I am currently being charged the $5.95 fee for online banking via the use of Quicken or MS Money application. This has been an ongoing issue since I opened the account. I was not really monitoring my money until I noticed the amount in my account was not adding up. I do not use any software for managing my money so I was shocked to see the amount being charged. When I called the first time, they were kind enough to refund my money. Now, I called and this time, they stated I'm being charged for simply accessing my account online. Looking at their fees today, I see that that feature is free of charge. Well, that was the straw that broke the camels back. I will be moving to another bank.

I also am in the process of trying to get my money back from their own ATM. It has taken over two weeks for my money to show up and I suspect the amount will not match what I deposited. I will verify that later. In short, I used their new deposit system with four checks that I signed. The ATM scanned and processed the first one. The second one took awhile to scan but it finally did, then the third one took even longer but it never scanned the last one. The ATM shut down and printed me a receipt for the amount of only the first check and it never even printed the scanned images on my receipt!

I instantly called the 800 number to report it and the person said it should show up within a few days once they processed the money in the ATM. If not, then call the dispute department to open a case. Well, five days go by and I called the dispute department and things only get worse. The first time I called, they made a case but never gave me the number and I didn't think twice about it. I then waited a few days and called back to follow up on the case. What case? There was none. So the lady then takes my case again and gives me the case number. I asked to speak to a supervisor and informed her how serious this issue is. She gave me the case number and assured me that the case was in fact open this time.

Okay, I think to myself, this has to be the end. Nope! I then called back a few days later to find out that the case was open but they didn't have the right information in it! So for the third time, I stated my case. I got a new case number. I didn't even feel like talking to the supervisor knowing how futile it would be. Well, I looked this morning and saw the deposit came in. Now, I need to see how much is outstanding because it looks like I'm missing some money still.

My complaint is in an all time high. About a month ago, I had withdrawn money from a Wachovia ATM machine. I guess all I was focusing on was getting the money to pay my mortgage. So after I got the money, I accidentally left the ATM card in the machine.

I called Wachovia and they told me that they would send me another card for $20 expedite or $5 regular mail, in which I did the cheaper of the two. Waiting was wrong and you had to pay for it and wait. I left the card in their machine and they still charged me for another one?

Twenty dollars for faster service is a rip off and they know it. I guarantee that you, Wachovia, has made millions in ripping people off. I thought Americans were in a recession and we do not have to continue in a downhill spiral to be taken advantage of. It's sad that they have over 15 states that they are doing this to.

Why must banks be so greedy? Withdrawals also need to be increased as well. This shouldn't be.

Basically, by not having a full time job, they are actually taking away money we all need. Every $20, $5, $1.95, 50 cent and etc. counts, we get a small income. Shame on the banks that they are still stealing money. Are they ever going to stop?

I was charged $70 in overdraft charges for a shortage of $6.24.

This is the 2nd time that Wachovia has passed charges from larger to smaller, even holding off on passing certain charges to my account that had come before the largest. The first was in March 17th, when they held off passing my direct deposit payroll till after midnight, yet then passed the other "holds" through before my payroll check which then put me into overdraft. Some that hadn't even been charged by me, it was an automatic gym membership that was in my "holds" that pushed me over. It didn't even go post to my account from "holds" section until after midnight and my overdraft was on the 17th!

Another that I can prove shouldn't have been held, as it's my cell phone bill that is due on the 12th or I will be shut off but was passed on the 17th and I have the receipt for that. They charged me $175 in overdraft fees, again this all happened in one night. When I tried to speak to someone on the phone about this, they passed me from person to person, and no one could do anything for me. I stated that they should have declined the gym membership if it would have put me into overdraft, as I had money in my account, just not enough to cover the membership fee at that time. They chose to pass something which I had expected to decline. (If I don't have the money, decline it!) I was even told by one snippy rep, after a long conversation, that I should "keep better track of your money ma'am and then these things wouldn't happen, now would they," (they record all calls so it's on there).

I was blown away. I stated I wanted my "overdraft" turned off, that I would rather bounce a check or have my card declined, than have my hard earned money taken from me as a courtesy to myself! They offered me $28 returned from the overdraft fees (how sweet) which I of course took as it was the best I was getting. Fast forward to June 8th, and I log on to my account, which if all charges had passed in order. I would have had $6 left. Upon logging on, I see that I am negative $208. They, again, held off on previous charges in order to pass from smallest to largest, which then put me into overdraft, which I will say I would have been, but for only one charge, not 5.

Also, on September 23rd 2009, Wells Fargo announced a change in policies in that they will charge no more than 4 overdraft fees per day, which my total of $208 is $5 in one day. This is false advertising (I have the press release printed off, and it came from Wells Fargo's own website). Now I tried, in vain, to deal with a bank I have been with for years, and no rep would do anything for me, not even another measly $28 like the last time.

I am tired of accession overdraft charges that I don't even want, decline me, bounce me, but don't take up to $200 of my money to "pass charges for your benefit ma'am." I cried at work when I was the negative $208, which was jarring to me. I am now a single woman driving home from work late at night with no safe cell phone for the next 2 weeks as I cannot afford my bill. I am the sole income in my household of 2 people (as my sister is out of work and trying to get unemployment). I have had to contact Carlos with Fidelity Bank to cancel my car payment because that check, of $200, is now being taken from me by Wachovia. I will now have a $50 late fee for my car loan and a late payment spot on my credit. I have no groceries or gas and as I'm writing this. I'm still not sure how I'll eat the rest of the week (its Tuesday). I'm mad, scared, sad, hurt and just lost for how to deal with this, feeling like it won't ever get better.

This situation actually keeps happening. When things are in a hold status, they show on the hold page, but when they have cleared, they show on the regular page and do not show pending. Well, this one particular transaction showed cleared and the money was not returned and it was still out of my balance. Then all of a sudden it pops back up again when it had already cleared. This is not the first time that this has happened to me and it probably won't be the last but I don't have money to waste while Wachovia bills me for $35.00 a pop in insufficient/NSF fees. When I had done my calculations in the ledger and on the computer, I came up with a balance of $.66 left until my deposit goes in on Tuesday night. Somehow after clearing the same $10.00 showed up again and clears again and now I am in overdraft by $79.00. Are you kidding me?!

Then they tell me well you are not eligible to get any funds refunded! What a load. They are just taking people's money without any remorse or show that they know they are doing something wrong. I wrote them this message and I hope that they get it. As much as I talk about how wonderful Wachovia is to my friends and then they change over to Wachovia and you all continue to tell me that your computers do not make mistakes, and that the people that you have working with you do not make mistakes. No one is infallible; everyone and everything can make a mistake.

Last week $10.00 was listed as cleared right above a shell station debit of $10.00 as well. Somehow, it disappeared and then reappeared and took my account into overdraft. This is ridiculous! I have never been so displeased with the amount of service that I am receiving. I keep a tight accounting book on our records because I am not working anymore and even then was only working part time, we don't have money to waste. And all I keep hearing is that you all don't make mistakes.

I am done with Wachovia, as soon as my account is cleared I will be moving and telling all of my friends what kind of crooks exist at Wachovia. I will also be posting a blog about this entire transaction and all of the others that cleared and then disappeared and the reappeared. You don't care that people are struggling, you all don't care that people are having funds problems. All you care about is the bottom line. And if I had the page that showed this error on your part, I would definitely have shown you all and posted it online as well. You all have a Blessed and Wonderful Day! They are such jerks. I hope that they go belly up!

The bank as a whole charges ungodly amounts of NSF fees to the consumer. They put a hold on my deposit so they can charge me NSF fees. There was this one time my wife deposited a check from our account with the credit union personal account to cover a check we wrote to pay some bills. The credit union had made a mistake on their end and caused the Wachovia account to go insufficient. The credit union covered all the NSF fees and wrote a letter to explain what had happened, but Wachovia still put a hold on all the checks that we deposit. When we looked online to check our balance, it showed that the funds are there, but on hold. The only way that we can use our account is to put cash only in. I started to investigate Wachovia online and had seen that thousands of people had problems with Wachovia banking practices. Wachovia looks for ways to set their customers up for NSF fees.

I have a debit card with Wachovia Bank. I noticed over Labor Day weekend that my account had a negative balance and I was shocked to find out a check had not cleared (my error) and due to that, I had a $4.00 negative balance. When that happened, the bank charged me an overdraft fee of $70.00. I went to the bank on Saturday, hoping they were open. They weren't. I sent multiple emails to the online service and advised that I knew of the error and I needed to get it taken care of as there were several small charges that would be coming through (they were made prior to the original overdraft).

Well to make a long story even longer, they kept charging my card over the Labor Day weekend and the following week, even after I deposited $500.00 cash plus $500.00 from another account with another bank. For whatever reason, the overdraft fees kept mounting, even after they sent me an email stating a "review board" was going to review my account (this was when it was $290.00 in overdraft fees). Well I don't know what they have done, but now my account has $500.00 in it and they have taken $690.00 out of my daughter's account and she is not on my account nor am I on hers! She is a college student and on a limited income.

Wachovia did this without notifying me or my daughter. They keep doing these acts on the weekend, when I am unable to talk to anyone or prevent further snowball effects (i.e. increased fees). Please help me. They (Wachovia) say they will review, say they will call me, etc. How can they do this? Help me please!

Merciless rip off! I was so very inhumanely abused and dragged by a certain system. It took more than an hour to clear me out as an American Citizen who is still alive because I was reported dead by perpetration. I do 100% believe that there is a footprint stalker who is following all my complaints and get it embezzled, laundered, abused and more complicated by false claimants who always wanted false claims to make themselves wealthy and kill victims by putting them in ditch and make them scream behind their supervisors and report them for different kinds of false and opportunistic citations which is evil. I might be reported dead again, God knows. I have the sensitive numbers that were called and entered to double make sure that I am still alive American Citizen.

How much money was wasted and is being prepared for false claimants who might turn up as angry defrauders and use different tricks to make my life more miserable and make me and my likes scream because of justice? Why the system is specifically very conservative on certain targets and pays all the targets' money to footprint stalkers who are not even afraid to download communications like this by virus and monger fear on courts of laws without any fear by deception? I am very hurt and I need an immediate settlement ASAP before trap is prepared by a white collar criminalizing group that kills by "Their Own Rope" as it calls it. More than 1,000% emotional destruction! I feel destructed and solicited by certain false claimants by deception.

I had a problem like another person stated. I had funds in my account and was charged three thirty five dollar over draft fees to equal to one hundred and five bucks. I was shocked and called them about ten times. They are all not seem to understand my problem or was ignorant. They said that I purchased three small purchases. One at Subway for five bucks another at a thrift store for three bucks and a gas station for eight bucks.

With the first purchase, I was told my account was over the limit thirty five cents and they charged me thirty five dollars over draft fee but that is a lie! I had the money in the account and online showed that I had the money in the account. No one seemed to understand this. I was also shocked at how mean and rude all the representatives were. I called times times to be exact. The final time I called, I got a very nice man who even gave me his name and said he was here to serve me. He did give me a one time credit of just thirty five dollars to help me out.

I am still upset because I was charged one hundred and five dollars in fees when I had money in the account! I used to have Bank of America and this happened before but it was my fault and they even credited me back all the money. They were nice too! Wachovia must have trained their employees to just say no to everything. They even say no to even there own mistakes. So they could see right there that I had money. Mom told me to just go to the bank near us, and show them online and explain what happened and I am going tomorrow.

Since closing my account next time they try to take money from me, I will not pay it because I am stopping my direct deposit and will take out only the money I have in the bank. I can't afford this to happen every month. It has only happened this month and I have been with them for about six months but I am leaving this company and switching back to Bank Of America because I had them for ten years and no problem but grandpa has a savings with Wachovia and that is why I switched.

I even told some of the reps over the phone that my grandpa was wealthy and I will switch banks and he will too but they did not care. No refund and no explanation, that I was satisfied within what happened with my account! With the ninth person I talked to, I started to cry and have tears. I talked to a mean lady who said there is no way they are even allowed to give refunds and she looked up my name to see if I was qualified for a refund and she pretended because she came back to the phone in five secs to say no. I begged and said please, this is all the money I have in my account and you all stole from me. They did not care, did not care that I was in tears and knew I was crying and had no money to live on.

They stole from me. I could have starved to death with negative two dollars in the bank. Thank God that he refunded at least thirty five dollars, even though they stole the rest. I told the reps that I would starve to death and had no gas money either. They said, "Oh well." I mean I was serious! My grandfather has money and he does not even help me. I am a loner. I really have to only depend upon myself!

They were all cruel and evil when they could have easily sent a refund. The first nine people which eight were women and one was a man and the person who refunded me was a man also. If any of you guys reading this have Direct Deposit with Wachovia cancel it fast. They will send you fake over draft fees! I read other reviews where the same thing happened and I was surprised I was not the only one.

I was charged a $35 overdraft fee on 8 cents worth photocopy at Staples. I contacted C.S. at Wachovia and they basically said, "too bad". Several checks didn't pay and we ended up with an additional $270 in bank fees.

Wachovia has subtly, and sometimes not so subtly, tweaked their system to maximize whatever fees. They will delay deposits (I have a friend that receives EFT's from the state for their business as I do-these go out the same dates for everybody but my friend has a normal bank and their $ shows up a day before mine does) and speed up and/or hide debits so you don't know they are there. They are scammers.

They do not just maximize ISF fees, if you have one account covering another, they'll charge $10 each time their computer (automatically) goes through the arduous task of simply moving $ from one acct to the other. State Employees Credit Union charges 50 cents for this. I called Wachovia and asked how much a wire transfer would be and they said $40 plus $22, so $66. I said that was outrageous and the guy said it was because the Federal Reserve System charged them. Not trusting Wachovia not to try to gouge me and not being dumb enough to believe this guy, I went to SECU and they did it for $6! I've seen lots of posts here too about their Laissez Faire attitude towards account holders. They truly do have Southern customer service. I left a message for our branch manager Chris here in our hometown after being treated rudely and, of course, he never called. Trumped up fees, near fraudulent behavior and shoddy customer service resulting in anger and despair and going through the pain of shutting down of our accounts.

I owned 5 securities of Verisign that I bought around 8 or 9 years ago. Two days ago, I got a letter from Wachovia stating that they had sold my shares without my authorization. I think this is highly illegal as these are supposedly securities so they should be secure from someone other than myself to sell them. I called the number on the letter that was sent to me and spoke to an operator who was shocked that this had happened. She then looked into it and said that Wachovia had added a fee of sixty dollars a year onto my account in January and because I had not paid the fee, they sold my shares to cover it. I never got any information from Wachovia/Wells Fargo informing me that they had added a fee onto my account. I would like to take legal action as I feel this is a criminal act that should be prosecuted fully. I lost money on the unauthorized sale of my shares and my account was illegally used without my permission.

I do not advise any human race to open an account and/or use Wachovia Bank N.A. to do any kind of business.

3) Your Mini-Statement (1USD cost) does not include the same day transaction effective May 3rd 2010 because it is what it is.

6) The reform is already hijacked and crippled so very successfully by crippled and deluded governance at the State level.

I never received my statement for my credit card in April. I pay the same time I pay for my loan. They said they mailed it, but it came back to them; and they said the address was wrong, so they put a late fee on to April's. Now they are saying I owe $139.00 with the late fee. Why are they holding my statements and why do I have to pay a late fee when they are holding the statement because they said the address that they have was wrong? Why have I gotten all my other statements at this address and not April's?

I don't want to change banks, because I've been with Wachovia for so long. So many things are happening with this changeover. I am not a person who forgets that I owe people money. My credit is very good, and I worked real hard to keep it that way. But now? I know you are very busy and the complaint is so the same to others. Please just hear me out on this.

My check card was cancelled because I have been waiting for the card for about 3 weeks now and I just received it today! I was wondering what do I do now?!

Wachovia closed my account that has $15000.00. Where is my money? They took it.

The exact same thing as everybody else is complaining about, NSF fees that don't make any sense. I think it's kind of odd that if I buy a coffee at Dunkin Donuts when I have $500 in my account it clears immediately. If I buy the same coffee at the same place when I have $20 in my account, it will hold up to a week. The lower your balance, the more holds, and what the heck is a "hold" anyway. Their assistance with posting your larger transaction so it will go through and then posting all your little transactions which were made days and days prior to the larger transaction has cost me hundreds of dollars. I would much prefer they post as I make transactions, not as they see fit.

When you call their customer service about NSF fees, the way they see things posted do not match up at all with what's on my online account. Lastly, I'd also like to point out that if you go to www.wachoviasucks.com it actually takes you straight to Wachovia's log in page. I think that speaks volumes.

Charged overdraft on an $11.60 charge which showed I had $5.69 in account. This was even though I had a transfer deposit in hold as well. They did not use the deposit in hold to affect my balance in a positive way, only the purchases to affect it in a negative way. Charged $35 but they also used 2 purchases that were in hold (not posted) to bring my balance down. They placed the $35 charge in front of the 2 items in hold so that when they posted the next day, I was hit with 2 more overdrafts. Total overdrafts are $105.00.

I called Wachovia to request refunds with no cooperation. I was told by a total of 4 different people that this occurred 4 different ways. Most of the time, they showed an incorrect balance, as of the time I was talking to them then they showed posted online. No one would give me credit even though I pointed out that I had a deposit in hold. They said those are no good when done after 9:00 pm, yet it is after 9:00 pm when they post items to the account in many different orders. I have seen and have printouts that show where items have actually posted but the next day, they have removed them, posted other larger items in front and then re-posted just trying to get an overdraft.

I am sick of them stealing my money that I work hard for especially in this economy just so their CEO can maintain his million dollar bonuses and keep driving his Mercedes and live in his multi million dollar mansions at our expense. Enough is enough. These companies need to be fined. I hope the current lawsuits will prevail and cause them to have to repay billions back to the customers they stole from, including me! I had several bills I could not pay, not including the fact that my daughter was getting married the next weekend and money was tight trying to put that ceremony together. This is no different than if some thug held me up at gun point and took my money.

I bank as Crown account. I used their financial advisers and lost 250,000 dollars. Now they are charging for a line of credit, something that did not cost for being a Crown client. Now they are owned by Wells, ** and charge $25 for something that used to not cost people with $10,000 on deposit. What's next, charging a fee for the drive through outside? I lost $250,000 and financial advisers put me in losing funds to line their pockets with perks from their mutual funds. What a scam! They should be put in jail for what they are doing. I will not forget.

On more than one occasion, Wachovia has "held on" to transactions, only to post them when it's evident that the account will go negative, and then charge a $35.00 NSF fee.

Only recently, I ordered some checks at the teller's counter. I received the checks in the mail almost a week before the account was charged. Naturally, instead of posting this transaction 2 weeks ago when the checks were ordered, it was only posted when the account had insufficient funds and obviously another $35.00 fee! I believe these practices by Wachovia need looking into and all customers with similar experiences be refunded or at least file a class action suit.

Wachovia offers ID Theft protection to its customers through an unscrupulous company call Trilegiant. This company has been debiting my account monthly without my authorization. They said a Wachovia representative signed me up when I opened a new account at the bank. The bank says they have no record of doing so and neither of them can provide my signature authorization. I hate to think the Wachovia works with a company that is known for scamming thousand of people. There are over three thousand similar complaints in the BBB site filed against Trilegiant not to mention a $25 million lawsuit settled in 2008 against this same company. If my bank is willing to put my security at risk, I don't trust them to protect my money. Money has been stolen from my account for the past four months. I just happen to notice the $12.99 charge this month. Had I not caught it, they could have stolen more.

Three times I've been charged NSF and it seems to happen after the fact that the charges made with the debit card and I'm overdrawn when I do subtract and calculate how much money I have in that damn bank. Also, I have direct deposit but as of late it's always in their favor that I'm charge the overdraft as well as a fee for them. I was satisfied with them in the beginning but this is constant now. I will get another bank account with someone else; otherwise, I will have my own account in my home!

Over the past two years my wife and I have struggled to make our mortgage payments on time. My wife lost her job and without her income it has been very hard to meet our obligations. We have called Wachovia over and over again to ask for any type of help. We applied for a loan modification that would lower the payments and we were approved. About a month later we were mailed a denial letter. We called and called. We were then told that until we were at least 3 payments past due they could not help us in any way.

Finally, we let the mortgage payments fall behind. When we were 3 months past due, Wachovia offered us a HAMP modification. After going through the process again and being told we were approved and that the paperwork was in the mail, we received a denial letter. Shortly after that we received a letter of pre-foreclosure. My wife is now employed again and we have called Wachovia repeatedly, as much as every day of the week to find some sort of solution to this dilemma. The last phone call we made we were told by Rudy that we could not speak to a manager and he refused to discuss our foreclosure with us. Wachovia has made it clear to us that we do not matter to them. Customer service is nonexistent. Wells Fargo and Wachovia are scam artists.

In 2007, we contacted Wachovia to refinance our ARM to a fixed rate. They sent out 3 appraisers on 3 different occasions because the paperwork was "lost". We were told that because Wells Fargo bought them out, that things were getting lost. This is unacceptable business practice! Then after the election and all of the new plans were out to help homeowners like me, we contacted Wachovia in October 2008, for a loan modification. We are still in the process to this day. We have been denied 3 times. First, we weren't late on our payments. Our contract states that our biweekly payments are automatically deducted from our account. We cannot breach the contract. We have only paid the minimum payment each time because we cannot afford to pay more.

Then my husband lost his job. This still wasn't enough hardship. Our denial letter stated that we did not prove enough hardship, really? We have proven time and time again to many different representatives that we cannot afford the payments based on salary and mortgage payment alone. Everyone agrees that we can't afford it, yet we keep getting denied because Wachovia gets their faithful payments every 2 weeks, without mentioning that we have never once been able to pay $1 towards principle and have about 40K in deferred interest. It's absurd! They get their money and they don't care if we never own our home. We have contacted an attorney regarding this issue because I have researched enough to see how many other families are affected like we are by Wachovia's poor business practice.

We had $200k down on our home and it is gone. We have negative equity and deferred interest. We have never been able to pay a payment that includes principle, interest, and escrow. I am suffering from severe stress and anxiety from the duration of time this has taken and the inability to have one person care enough to help us.

Contractor approved by Wachovia caused liens to be put on home being built. I informed loan disbursement person at Wachovia of a possible lien that was not served to us the borrowers. Three loan disbursements were allowed by Wachovia prior to this. A title search was not done until one day my husband was served paperwork from a company who did not serve a lien to me nor my husband. Next thing we know is three other subcontractors were looking for their money for supplies brought by contractor. We had to pay out of pocket $30,000 now that the liens were on house. Wachovia did not want to release monies from loan and this is when they started to do title searches.

During all this, Wachovia put a new disbursement person on loan. When I asked her why were title searches not done before all the other four disbursements from loan account, she said they were! I said if they were done then why was money released before and not now? And why am I paying $100 for each title search now and never paid for any that were done previously before? And why was first lien not seen? She had no answer for me! Even the women at title company of our closing attorney told me after closing no title search was done by their office for Wachovia.

Wachovia would not allow any other company do title search for property so no one else could had done. When I read loan paperwork, it clearly says that a title search is to be done before each disbursement. I have all my emails of my questions and their vague answers. We fired the contractor. We found out he had a felony record, had served prison time. The kicker is he went to jail for writing bad checks and theft. All this happened prior to Wachovia approving him to build our house. By the time we got out of this mess, it was Oct of '08. From Oct on, we had started looking for a new contractor to resume building our house. Every person we presented to Wachovia they said no contractor could not be approved.

Our deadline for converting loan to a mortgage was January 31, 2009. Every time Wachovia did not approve a builder. They would tell us that they could not tell us why due to privacy. Only crazy thing is we gave them four names! No one could be approved. Then they sent us a letter saying because we did not get another contractor they might put our loan into default and try to foreclose on house. It took a family member who knew the law to call them tell them that is when they starting cooperating with us. We had to start giving them name of contractors who presented bids out of 12 contractors, two were approved. This is only because they had a new construction license.

At no time before when we were looking for a new contractor did they tell us they had to have a new construction license. As the first contractor who caused problems did not have a new construction license only a home improvement license. Now, since house is finished we cannot convert loan to a mortgage as now we do not meet Wells Fargo standards! House is not being appraised at the high quote. It was when Wachovia approved our loan so now we are living in our house not knowing if one day they are going to want to come take our home. They say they do not want to but why won't they convert loan to mortgage?

We are both working, have no debt other than house. Our credit scores are good. They have given us an extension until Oct 2010 but neglected to say what would happen then if housing market does not turn around. It just does not make sense to me for two people willing and able to pay for their mortgage to not be able to because of their mistakes. It is very stressful. I just want my loan converted to a mortgage so we can live our lives! I have to say since this has been happening, I have gained weight due to stress, constant fatique, my hair is falling out, hard to remember things, etc. I get depressed all the time! Economically due to wachovia not using the first appraisal we cannot change loan to a mortgage!

I have two accounts in Wachovia that are linked together to some extent. They now both belong to me and if I check my accounts online, I can see both on the same page and Wachovia even totals them for me. I deposited some money in the wrong account and spent money from the other one. This caused me to overdraft by around $15-$20 on one account while the other sat at around $250. Without the overdraft fees, I would be at $230 or so that Wachovia is making interest off of. They hit me with $170 of fines for having net positive accounts through them that they are making money from.

I tried talking to someone in the Boone, NC Wachovia but the guy they had me talk to basically told me to ** off. I have had to deal with the same guy before and he perfectly represents Wachovia in my opinion. He almost ** up last time I had to deal with him but when I caught it, he made sure to inform me that I was in the wrong before he fixed it.

On April 30th, my direct deposit was made through my Wachovia account. My account was unfortunately overdrafted by $32.14 and it is true, I have had difficulties to manage my money but does it matter anyway? The bank charges you $35 for every "overdraft transaction" even if it is $0.01! This is what happened to me. On the 30th, I received my direct deposit it was $1860.04. As mentioned above, I already had a negative (-$32.14) in my account, so after my deposit, I was left with $1827.90 (a considerable amount, especially for a week of work!). My first transaction then was to pay for my car loan $943.42. Then I made a $203 withdrawal ($3.00 for the use of a non-Wachovia ATM). This is a list of the transactions following the first two mentioned above: May 3rd purchases: $60, $40, $40, $20.01, $20, $13.01, $8.00, $4.00, $30.02 and a "other transaction" of $2.50, representing fees for the use of a non-Wachovia ATM.

After all these transactions, I am left with $443.94 then surprise! On the same day, I am charged $245 of overdraft/unavailable funds fee and left with $198.94. It is then that, on May 4th, six transactions go through my account: $300, $176.62, $39.99, $30.00, $20.00, $8.95. At the end, I have a negative $376.62 in my account. I am then charged (again?) $210 of overdraft/unavailable funds fee, for a total negative balance of $586.62. I called up the customer service phone number on their website and they invited me to go a branch and meet with Mr. Patrick * (not after the lady I talked to tried to prove me, how stupid I am!). So, I went to the branch located in Bethesda, to talk to Mr. *. Rapidly, the man tried to explain to me where the $245 fees were coming from, according to him, there were seven transactions which went through my account at the same time, I didn't have enough money, so I had to be charged for them. However, when I asked him about the other $210 he couldn't give me an answer, since the transactions I was supposedly charged for are the same in both cases.

Not able to give me any further help, he went to call the branch manager, who could determine "if I was going to be refunded or no." The branch manager was Mr. JP *. When he appeared, he went straight to the computer, didn't even bother to know how I was doing, or what was my complaint. After he spent five minutes or so between his computer screen and a calculator, he (finally) looked at me, and said, "It all adds up." I was astonished. I had the printout of the account in front of me and when I tried to explain to him what was my opinion, he told me that it didn't matter anyway, because I "overdraft" my account too many times. I don't know if because I have a lot of overdrafts in my account (for which I pay $35 per transaction! And I have had 99 the last three months alone!), that gives Wachovia the right to steal my money from me. I don't see what happened as something else than theft and when they hire people like Mr. * who are not customer oriented and don't even their job (he couldn't explain anything to me, his only justification being "too many overdrafts"), one can understand why they needed a bailout!

If I am relating my experience here is to let everybody know how theses banks, especially Wachovia Bank still from us, please if you are with them, check your account every day! The best solution will even be to close your Wachovia Bank account because you can't stay with a bank which is not trustworthy. If I can give you people out there a piece of advice, open an account with a credit union.

I logged on to my account to notice an amount of $49.90 being taken out of my account. When this was done, I was charged a NSF charge. I called Wachovia to have this taken care of. The first lady I spoke with told me all I needed to do is call the company and tell them it was not authorized and get a confirmation number from the company, call back, give the confirmation number and the charges would be put back to my account. I called the company and got a confirmation number. I called back to the bank and the lady told me that no matter what, charges could not be put back on my account.The lady went around and around the problem not wanting to fix this problem. I will never deal with this bank again. They only want to take your money, not help you.

I have an unsecured loan with Wachovia and after I graduated from school I was unable to find employment. The loan I had with them was in hardship deferment and while unemployed I was able to make $250 payments to them. I was unable to make these payments for two months and they put the loan into collections. When I tried to make a payment, they would not accept it and told me I had to pay off the balance in full, $70,000.00, which of course there is no way I could do that.

Yesterday, they went into my checking account and removed my entire paycheck, when I called and spoke to a bank representative, they told me that they have the right to take all the money in my account and I was lucky they left me with any money. When I told them that I only make $1600 per month and I have a 4 month old infant at home they then proceeded to tell me I needed to go get a better job. I've never been told of a court decision to garnish my bank account nor have I received a letter telling me this was going to happen. The lady then got very rude and hung up on me. Could not cover my rent, electric bill, or provide food for my family.

My budget was tight due to my personal situation. I forgot about a check that I wrote a month earlier. It cleared and brought my account to negative $200. Then, Wachovia submitted transactions which had already cleared my account. Every one of the transactions has a $35 fee. Instead of owing the $200 check and one $35 fee, I owed the check and thirteen $35 fees. So, instead of owing $235, I owe over $800.

Wachovia has a practice of charging overdraft fees in such a way that you never get caught up. In just two days, they have charged me $455.00 in overdraft fees I think just to scam money. Once my account had reached a limit, they should have declined any purchase. This way, there would be no fee. This is the second time this has happened with this bank.

Unfortunately, when my husband opened the account, he didn't do his homework on the bank. I have called the bank countless times in an effort to get some of the fees refunded and I was told that my account is flagged and Wachovia will not talk to me. One customer service rep just hung the phone up on me. I don't expect to get my money back and I fully intend to leave this bank, but is there any way to stop Wachovia from doing this?

The account had $122 and some change, $121 went through. Ending balance was $1.44. But was charged $140 in overdraft fees, although I had a positive ending balance!

Yesterday, I checked my account online and it said, I had 60 dollars left in my account and nothing holding. I went out and brought something for 21.18 and then 18.32 which would've brought my account to about 20 dollars, since I have direct deposit I didn't worry about it (it was going in last night). Until I checked my online banking today and noticed I received an overdraft fee of 175 dollars. This was taking against my direct deposit. I immediately called the bank and the first customer service representative informed me that a $50 automated debit from my cell phone company had went through last night and which put me in the negative.

Also my balance was kicked back to my 4/14/10 balance of 120.07.

Everything that posted 4/15/10 was deducted from that amount and largest to smallest which also contributed to the overdraft fees. None of this was reflected on my online banking. This is ridiculous and misleading and I'm thinking illegal now. How can you post purchases to my account, show them as paid and then add another charge and decide to make that purchase negative because the last charge was the higher amount? Customer service refused to give me any kind of credit, and I was transferred to another department.

Was on hold for exactly 1 hour and 17 minutes and 32 secs before someone answered my call and the gentleman whom I spoke with was rude and basically told me that online banking wasn't a true record but that's not the banks fault, and I should keep up with my money better. Then when I asked to speak to a manager, he refused to transfer me to anyone else and told me that I have exhausted all other means to get the problem fixed and have a nice day. So, I have bills to pay and I'm out 175 dollars because of Wachovia.

My wife's car is financed by Wachovia. The car was hit by a third-party. The insurance company sent us a check made payable to my wife and Wachovia Dealer Services. There are over Wachovia location in Dallas-Ft Worth but none of which can endorse the check so we can get the body shop paid.

Apparently, there is only one person in Winterville, North Carolina that can endorse it. Now, we have to wait to get the car back until the check is returned with the Wachovia endorsement.

I have a mortgage with Wachovia. Five years ago, I got a divorce, my income was reduced, and my job changed. At the time, I was paying my mortgage by automatic deduction from my checking account. When I changed jobs, my pay weeks changed and it was no longer doable because the money was to be taken out of my account before my payroll was deposited.

I called to ask if I could change my pay week and they said yes, but wanted to charge me $150.00. And then, because I paid bi-weekly, eventually the dates would fall back to before, which was no big deal for me, because my pay weeks at work would follow along too. I didn't pay them $150.00 and I tried to keep current but it wasn't doable.

So they started to try and take the money out of my account every other day until they got their money and they would charge me $25 more each time and the bank would charge me too. Finally, I was paying them an additional $150 a month in overdraft! I closed my account! I started paying them monthly until times got bad and I fell behind. I went to try and work with a community development center to avoid foreclosure. They worked with Wachovia, came up with a work out plan and then everything fell through.

I have been going back and forth with these people for almost a year now. I have never talked to the same person once and everyone I talked to told me different information. I was running around trying to get things they needed like a fool! They never had their notes straight, and someone even told me that the department I was trying to reach didn't exist although I had just talked to someone in that department two days ago!

Some of the representatives were great, and some were extremely rude! I even had one laugh at me when I asked to speak to his supervisor. Needless to say, after 11 months of back and forth with them, they call me today to tell me that my "Home Affordable Loan" has been accepted, and now my payment will be more than I pay now. How does that work?

I received a credit card in the mail in Dec 2009, thinking this is one of those pre -approved notice I put it aside. In April 2010, I came across the card and decide to use it. I made a balance transfer on their promotional offer. While making an inquiry, I was told that this account was opened in Dec 2009. I do not feel that the had a right to open an account in my name without consulting me first. My actions alone should be the determining factor. This was an unsolicited card. This prevented me from obtaining the complete promotional offer for reduced interest rate and fees.

This office is refusing to take a payment that is late! The Joe is the Manager! Our regular payment is due on the 16th. of every Month! I get my retirement on the 1st. of every Month! Mrs. B calls in the payment within the 1st week of the following the due date of the 16th. It only makes the payment late! I know it is against the Federal Laws for any business to refuse to receive a payment and they call us on the phone to harass us! The payment that is called in every time is direct debit transfer from our bank to them. It is on our bank statement each month and since Jan. 2010, I asked for a 2009 payment history to be sent to me! They will not do it! I have The FBI monitoring and recording them. They maybe getting ready to make some arrests! This has been going on now for 1 to 2 years!

Woman & man forgers forged name to Power of Attorney, opened 4 accounts in my name, transferred $88K from other bank to new accounts and looted $46K from those accounts with forged POA, which was obviously forged. Bank violated its own rules and procedures, refuses to admit mistake and refuses to turn over original signature documents and video surveillance tapes for inspection to determine who opened accounts. A female forger was convicted and given 5 years in jail.

I opened checking and savings accounts for my son, Brandon. He began to use our joint account but overdrew on a few occasions. I was aware of that, only by money disappearing out of my personal checking that was in my name only. I went to the bank to request the joint account to be closed, because checks were returned and costing. To my knowledge, the account was closed after I brought it to a zero balance.

A few years passed, Brandon left for college in Columbia, South Carolina. He went to Wachovia to open an account and was told he could use the old account that was, so I thought, closed. He was issued a card to the account and began to use it and picked up his old habit of overdrawing again. To no avail, money disappeared from my personal account again and insufficient fund notices were coming daily, it seemed.

I visited several banks speaking to all who would listen and brought the account to zero balance on several occasions, while at the same time asking Brandon to stop using the account. He had pending transactions which forced me to constantly take money to the bank.

Finally, I threatened him to discontinue use and send me the card. At the Lauderhill branch, a teller finally listened to me after at least two weeks of daily visitations to multiple branches and closed the account. In 2007, I applied for another account with a company and was denied because of the Wachovia charge of over $900 which was posted on my credit.

In 17 months, Wachovia has charged me $1,890 in overdraft fees and refunded $356 or a percentage as determined by them that has no rhyme or reason based in mathematical calculations. I receive SSID and the fees happen 8 out of ten times at the end of the month, when they will be assured payment by simply taking from my direct deposit. Things happen like holds being reversed and even though there maybe (true example) $95.23 in my account before a $55 auto debit comes in on my online statement leaving a balance of $40.23; the unavailable funds notice they send in the mail states that I had $35.23 before the $55 debit came in.

Not only that now the debit card purchases I had for $5, $4, and $2.82 were now bounced. The bank used to state that they only backed out smaller debit charges and took larger payments because the larger were probably mortgage payments. Well, I have also had charges of $120 and less backed out. Never have I seen anyone today with a mortgage today for those amounts unless they lived in a shed or a dog house. I have complained until I am blue in the face. They have gotten so ignorant now that they just say we can "offer" you x amount of dollars out of the money that they know they stole from powerless victims. I can't leave because I have to give Social Sec 30 days notice to change banks and it must be after the check deposit date.

We have been working unsuccessfully with Wachovia Mortgage since Aug. 2009. They were just bought out by Wells Fargo 3/20/10. We had been told for over 6 months at the beginning of 2009, we couldn't do anything because of the by-out until it was further along. We are on our 5th attempt to go through the HARP program for our home mortgage. Because of the economy we have fallen into a financial crisis as others have done. We have tried to hang on with our very small business by relying on credit cards hoping the economy would pick up. It has not.

Wachovia has put us off for many months before they would even discuss modifying our home loan. We have kept records of our calls, and folders 5 full of documents and notes, of our staying in contact with them. They have lied, mislead us, given us false and wrong information and flat out told us more than once they have been deceptive. They claim to always lose our papers, faxes etc. many, many times. They continue to have our modification cancelled because they say we did not many times provide the information/documents which we have proof we did, certified mail and faxes confirming they received over and over. But they never say this over the phone or tell us they need anything else they send out another letter to say, "Sorry, you've expired you didn't provide us with what we needed again."

We were told not to pay our mortgage payments, so we would qualify but later told they were going to foreclose due to non payments, but we were told this so we would qualify for the modification program. Again, we are trying our 5th time to provide everything they need but they always have an additional excuse or lie of something we did not do, which is untrue. We call in at least once a week even though they say we don't need too. We know they just want to take our home. Its value is way down from what we mortgaged but they want it, we can tell. They are very very difficult to work with. I have cried many many nights just trying to provide them with more and more and more, it's never enough. Then they also say they send us letters or call us. Well, the only letters we received are when they say we didn't provide them with something and they are cancelling us for non-compliance of providing them with documentation in a certain time frame.

We have received one phone call on the modification only because we gave them a phone number no one can miss calls, so they wouldn't have an excuse to say they couldn't reach us like they continually do. They continually say they did not receive faxes 20 to 24 pages even though I fax them over and over and I have confirmation pages. It's always something and no one ever knows what the HARP programs is or is about. Very uninformed staff who don't have a clue what they are doing. Very, very hurtful as a tax payer that at a time when we are barely above losing everything like so many unfortunate others that as we play by the rules and go out of our way to provide everything requested, we are treated so very very poorly. We bailed the banks out of their mess and this is how we are paid back, it just doesn't seem right. It's not as if we are asking for a handout or charity we did not ask for the economy to go downhill, my husband and I have been hard workers throughout our lives and this is the way we are treated at a time when everyone is just trying to survive and help each other to get by. Thank you for your time and consideration.

My car was repossessed although I made a payment which left my account current. When I called for clarity, I was taunted by the person in collections. I had to pay $1650 to get my car back which has yet to be applied to my account.

In December 2006, I underwent surgery on my ankle. Unfortunately, the surgery was more intensive than expected. After much consideration, my parents and I decided that it would be best if I took the semester off (keep in mind, I was on crutches for four months, could not drive and so forth). I called Wachovia, my student loan provider, and explained the situation. They assured me that was okay and that the money had not been dispersed to my school. I thought that the situation was under control. Time went on and in May 2007, I received a phone call that in June, my student loans would go into repayment unless I could provide information as to why I was not in school or proof I was actually in school. I sent them my medical records and a mountain of forms. I was told that my loan should go back into deferment. However, that has not happened and every few months I am hounded and threatened. I am a full-time college student with no income until I graduate. I need help.

I want to file a complaint about the frequent overdrafts that occur on my checking account. My complaint is there are enough funds left in the bank at the end of the month and the account still overdrafts. When I first learned of this problem, I contacted Wachovia on February 16, 2010, and I was told that nothing could be done about my problem.

I am receiving social security every month. This is the only income that I have to live on for the entire month, and I cannot afford to pay excessive bank fees. Wachovia has threatened to take over $200.00 in overdraft fees from my checking account, because they claimed that money was not available on the day that I made the purchases. I made the purchases on the same day that I received the check, so I know the money was in the bank.

I spoke with Tonya ** at the Wachovia office located in Charlotte, North Carolina, zip code 28262. I explained to her that I am living on a fixed income and can't afford the expensive overdrafts fees that Wachovia is attaching to my checking account. I have had this problem with Wachovia before where they will continue to pay for purchases even if the money is not in the account. I have asked them not to pay for purchases if there is no money in the account to avoid overdraft fees. They are claiming that I overdrafted in the amount of $200 when I have receipts that the money was in the account and set aside to pay bills.

On February 3, 2010, I withdrew $500.00 from Wachovia and left $141.00 for bill payments. One week later, on February 10, 2010, Wachovia claimed that the account went into overdraft in the amount of $200.00. If this was true, what happened to the $41.00 remaining in the account, because there would still be a balance of $41.00 to cover any overdrafts?

When I spoke with a representative, I was told the funds were on hold for three days and this caused the overdraft. I asked her to go over each purchase with me to explain that when added together, they did not cause the account to go into overdraft. She would not go over the purchases with me and told me she would send me a list. I have receipts of every item that I purchased, and the account could not have gone into overdraft.

I would not let this account go into overdraft, because I cannot afford the $35.00 fees. Something is very wrong, and I am afraid that Wachovia will take $141.00 from my checking account for no reason. Please help me, because this money is all that I have to live on every month. I cannot afford to give Wachovia $141.00 of my social security check to Wachovia. I want one half of the $141.00 Wachovia stole from my checking account and for them to stop holding on to money in my checking account that I use to pay my bills. Thank you.

I have a loan for my 2005 Ford F150 through Wachovia Dealer Services. As my wife is unemployed and we are facing hard financial times, the company stated above has been harassing and unwilling to work with me in a professional manner. To start ,since the beginning of this loan, the company starts making calls for payment up to 15 days prior to the due date. I have had to change my cell phone and my wife's cell phone number because of this and have recently refused to give my now new house number.

They consistently call me at my place of employment and the most disturbing act was just received yesterday, March 11, 2010. My employer received a bill addressed to them for my loan. My loan is a personal loan and there is no co-signer. The bill did not say c/o Kevin so it was opened by accounts receivable and needless to say, very inappropriate and unprofessional. The loan amount due the 28th of every month is $424.33. I have not had a very strong payment history with on time payments but have always made payment and paid all late fees.

Currently, I owe a past due amount of approximately $250 with the current month's bill amount of $424.33 due on the 28th of March. I have tried to contact the company along with my wife to set up a full amount payment of both past due and current due for the 25th of March and as customer services says that is okay and they will note the account. I am always then transferred to the billing department and they refuse that payment saying I owe it now and harshly threaten and harass.

Back in 2005, through "bill pay", Wachovia's online bill payment facility, I instructed a check payment to my accountants (at the time) for $4,296.49. This was for them to settle a penalty tax notice on my behalf. The debit clearly shows on my bank statement on 10/13/2005. In Sept '07, my new accountants (I had since moved my tax affairs) received a penalty on the penalty which suggested that the initial one had never been settled.

At that point, I started to make inquiries and my former accountants stated that they never received the original check, hence, never paid the original penalty. I then approached Wachovia for proof that the check had been cashed, as the amount had never been refunded to me. Despite several demands, all Wachovia would say was that they were using a different bill pay vendor in 2005 and could not produce a copy of the check. I then approached them to request that, at the very least, they refund the original debit to me. This request has been totally ignored to date. I feel treated very unfairly and I am determined not to give up!

After years of pursuing the matter, I am still out of the original $4,296.49 and a further $5,534.88 which I had to pay in 2008 to settle the outstanding penalty plus charges etc. It's hard to quantify the anger, frustration, disappointment that I felt and endured these past years over this issue. I am sure that, at times, this has affected my physical health and well being too and has wasted a lot of my time which should have been better spent.

Wachovia has been calling me for the past three months, at least three times daily. And since the beginning, I have been telling them not to call. Some of the representatives do not give me their names, but they were told not to call each and every day that they called starting from January 5, 2010. I would like these phone calls to stop. Thank you.

I had a garnishment that was put on all my Wachovia accounts. This was placed on 2/24/2010. I knew this was an error. It took me eight business days to get a judge's order to reverse it. In the meantime, Wachovia did absolutely nothing to help! They instead added fees for debits that were used prior to the garnishment, yet any checks that were written prior to the garnishment were returned stating account frozen, with no fees attached. I called every person I could speak with at Wachovia, even spoke with managers at the branch. They received legal documents to freeze the account on 2/23/2010.

It only took them 12 hours to freeze my account. When they received the legal documents that the freeze was reversed from the attorney that requested the freeze, all I got was it will take 48 - 72 hours! Funny, how quickly they froze the account but not willing to react as quickly to reverse the account. On top of that, I have received three phones calls a day to pay for the fees since it showed my account was in the negative, even though I kept telling them this was going to be reversed. I continued to get calls to pay for the fees. At one point, I was told, "Well, I will note that you refuse to pay for these fees."

Well, we were forced into Chapter 7 due to so called debt relief agencies and my disability. After the bankruptcy, which we filed on our property, we needed to move away from the area. Wachovia still sent us mail, etc, as if we still owned the house and until it was foreclosed on they still considered us owners. We received several mailings from them. This included doing a short sale.

Our realtor, Sue S, was working with us and trying to work with Wachovia to get an offer on the house. We had two offers that were submitted. They never negotiated with us on the first offer and in fact when the realtor called to follow up with them, they always had an answer as to why they could not respond. Something was always missing from the paperwork that was turned in to them or Sue did not have permission to negotiate. This was established immediately with her. So the second offer came across two days ago and this was also faxed to them. Our date of foreclosure was March 3, 2010. They never planned to negotiate with us and went ahead and bought out the property from under us and those who wanted to buy it.

This has been a grueling process. We filed and settled in September of '08. I think it was and ever since then, we have had nothing but trouble since. Even our attorney was a ***. I'm so fed up with bureaucracy crap and the big guy taking advantage of the little guy. What about us? We get no help or guidance even our Chapter 7 I had to do and guess some of it, we were lied to and not told stuff we should have been told. I thought once you file on your house that there is no more negotiating and then when we did try because we thought it was the proper thing to do to save something about our credit, we get screwed as always.

On 1/31/2010, I received a Notice of Sale of Repossessed Property and Explanation of the Calculation of Surplus or Deficiency letter from Wachovia Dealer Services, stating that my car was sold and there was a surplus of $3001.15 that will be refunded to me. I have not received the refund as of yet and when I called to inquire about the disposition of the refund, I am told that they will call me back with an explanation. But no one has called me back. I have never received anything in writing amending the letter I received from them.

When I look at the calculation, there are no other parties involved that is due a refund. The calculation is as follows: According to their letter sent to me, I was supposed to receive this surplus. However, they are refusing to return this money to me.

I have a transaction that came through my account. I also do have overdraft protection on my account. Wachovia intentionally charged me $350 for $0.67 overdraft which will not have been the case if the bank had not counted the item they claim to be on hold. Either way they win.

Well, my fiancee got a loan for a car and since Feb 2008, she has been making the payments on time. For family reasons, she left the country, and will not be back for a period of time. One month we got behind and received a call and I explain to the rep, Nicole, that she was out of town and I was without a job but not to worry, I will make the payment which I did. For the last 3 months, I made payments, but they were late, less than 30 days for sure. So she kept calling almost everyday and I told her to stop calling, that the payment will be there and if it's late (less than 30 days) I won't even mind the penalty.

She got upset and started being very arrogant. I asked to speak to her manager who did not even listen to what I have to say and just told me he is not there to talk about her way to address me but since my name is not on the account he can't waive anything for me. Well, 2 days later, with 25 days late, they repossessed the car. The only reason she did that was to prove me that her job gave her power and she doesn't have to be nice, arrogant should do it.

I have charges on my ATM card that I disputed. Along with the charges that I did not make for approximately 3 in total for 3 different charges, I was charged about $35 for each charge for insufficient fund fees. I e-mailed Wachovia about these charges and they responded saying that they initiated an investigation and the charges would either be refunded based on the results of the investigation, or they would at least temporarily refund them if they did not have a resolution to the issue within 10 business days.

Ten business days passed and a debt collector kept calling multiple times each day. I am a resident physician working crazy hours and can't be distracted by these harassing calls. I talked to multiple people and explained the situation. They all had no idea that I had ever spoken to anyone before. I emailed Wachovia to ask about the results of their investigation and was never given any answer, except that I needed to call. I explained that I was busy with patients and would prefer email correspondence anyway to have a record of what was being said since the first email promises were already not true.

Not only did I never get a response to this request, but Wachovia completely blocked my online access to my account. I asked in the original email for a payment plan if they were not going to reverse the unfair charges because I'm on a resident salary and cannot afford it. That request was never addressed. Now my account is in collection. This is absurd. I've been in constant communication with Wachovia, but they refuse to provide any information or payment plan.

Every time I go into the branch in Hattiesburg, they always give me a hard time. I called today, and reported it by phone. I have a checking account there. I have at least 2 to 3 deposits coming in. Today, I got my income taxes, and took it over there to en-cash. It was in my married name, and my account is in my maiden name, which I had ID for both. They are saying I have to deposit the check into the bank, and withdraw in a few days, because of the name, which I thought was wrong. They know me well. Every time I go in there, they ask me the same thing, and I show them the same thing every to week.

There were customs in there, and the cashier was very rude. It doesn't matter. They are just rude. They know me by name. I also have overdraft protection, and I get overdraft, but I get charged time after time, instead of getting it out of the other account. Why am I saying so much more? Something needs to be done about their rudeness. As I was walking out, this lady stopped me, and told me that she was looking 4 another bank, because of their rudeness.

I have been trying to modify my mortgage. I started in September of 2008. I applied for "The Hope Program". I filled out the application number 1 and waited. I was finally notified that I had documents missing on December 3rd and the file would be closed if documents were not received within 3 days. I called and told them that I had just received the notice and was given 3 days to respond, but that I would overnight the information and asked that they call me if it was not received. I had not heard by the end on December, so I called. I was told that the documents were not received and the file was closed and that I would have to re-file.

So January 2009, I re-filed application number 2, sending all of the same documents again. I called and checked periodically and was told that all was well. Finally, on a call I placed during February, I was notified that the file had been closed and that "The Hope Program" was no longer in effect. At this time I called the first person that I had contacted and he told me that it was "too bad" that this had happened because I had been on the top of the list for "The Hope Program". He also told me at that time not to apply for a regular refinance because I would be turned down. He advised me to wait for the upcoming modification program from the government. He told me that someone would call and try to have me refile for a regular mortgage but to tell them "no," that it was a waste of time and that I was waiting for the modification program.

Sure enough someone did call me from Wachovia to apply for a mortgage. When I explained to them that I was waiting for the government program, I was told that they were not sure that there would even be a program, and they could help us out in the meantime--so what would it hurt to apply? So I capitulated and sent in application number 3.

A month later (yes, I was still calling frequently to make sure all was well with the application and was being reassured that it was), I received a denial letter stating that our income and debt ratio would not allow for a refinance. I called them every week after that and was told that Wachovia was not set up as yet for the modification program. In May I was told that they had another type of program that might help us. I needed to reapply and they would offer me a new package. I had three chances to accept it and if I didn't then the offer would be withdrawn. Application number 4 was sent. In June an offer was received $300.00 more a month than we were paying. I called them and asked them if they had understood that because my husband was injured at work and no longer allowed to work and my income had dropped and how did they think that this offer would help.

In June, I heard that the modification program was starting at the banks. I called and was told it was only for the people who were in foreclosure, but they would put me on the list for the modification program. I continued to call every week to check and see if I was still on the list. And finally, at the end of August 2009, we were told we could apply. We fit all the requirements--change in work status, predatory loan, etc.--so I sent in application number 5 on around September 16th, 2009. I called every 3 days for status update. In October they told me that all of the documentation wasn't there. October paystubs were not there. I told them I applied in September and my file was complete for then. However, I faxed them the information they needed. I kept calling and checking. Still nothing.

Knowing my husband would soon be settling with workers comp for a lump sum, I waited and called and told them I would be refiling. I refiled application number 6 on December 6th. I checked every couple of days. On December 11th I was told the copy of our federal income tax was not signed, so I faxed them a signed copy. I continued to call every few days and was told that everything was fine. It was the end of December 2009 that I was told that they were missing a wage statement for worker's compensation. I told them that my husband was not receiving weekly compensation and there was a court document enclosed showing our lump sum settlement.

They looked through the file and found it and noted the file with the page number. The next several times I called, I was again told I was missing the wage statement for worker's compensation. Each time I explained, and each time they found the document and noted it. Finally, on January 5th, 2010, after being told I was still missing the wage statement, I lost it and asked to speak to a manager. I spoke to manager Janssen W. She said she would rectify the situation--documenting the file complete and sending it to the underwriters. I should hear within 30 days. I have called at least weekly since then, each time confirming that the application was with the underwriters.

It is February 12, 2010 today. I just got off the phone again. I complained that it has been over 30 days and legally isn't there a time limit to their response. I was told by Joshua P. that it is still in the incomplete stage as far as he can see and it might help get the process going if I were to send something in writing saying that we are no longer receiving weekly wage from workers' comp and that the copy of the court statement for the lump sum settlement is already included in the application. I told him it was my fear that to do this might trigger them to say that this process has been too long and I need to submit a whole new application. He then put me on hold and spoke to his manager Rebecca H. She also thought this might be the only solution, so I will do this.

I am an RN who is totally disabled since 1995 by a spinal injury caused by a patient. I have had 2 surgeries and live every day in pain. This stress causes more pain. My husband was injured on the job, 4/08, after 25 years of employment there. He has since had surgery and is unable to return to work and is currently receiving SS disability as I am. He is also a diabetic with a heart condition. I am handling this for him because I am afraid that this whole thing could significantly cause his condition to worsen.

I have owned this home since 1980. I refinanced for court ordered college tuition for my husband's daughter. The loan started at $200,000 and now is up to $220,000. We have used all our credit cards to pay our mortgage. Now we are out of credit. We are now using the lump sum settlement and what was supposed to last until my husband's seventies is half gone. We can't sell because of the market. I worked as a nurse for 30 years and this home is all that I have. We have seen the news stories alluding to the fact that some banks may be stalling customers on purpose. I do not know if that is what is happening with us, but this is really unbelievable! I did hear that one family took the bank to court. We are months from foreclosure.

Today, for the sixth or seventh time in less than two years, my bank (Wacovia) has charged an enormous amount for overdraft fees. I was overdrawn by $12.56, the result of an online purchase for $13.95. I had made a $20.00 mistake in my bank book, so fair is fair, I owe them $35.00. However, when I called the toll-free number today to get my balance, I had been charged $105 in fees!

I was told that they hold all charges to my account until all for the day have been cleared then they process them in order of largest amount to smallest amount. The smallest on my account were three for over $5 each. Well, by doing this instead of processing the way I had always believed they were being, which would be in order of time of purchase. This way they are assured to get the largest amount in fees possible.

I have fought Wacovia each and every time on this, won some and lost some. Once, I even had to show a bank receipt because they had proof that a cash deposit was made after 2:00 P.M., when my receipt showed that the deposit was at 1:36 P.M., when I made it. Now this junk about in order of amount is causing more consumers than just me to be overdrawn more than just one fee. I have even had to prove that I wasn't overdrawn before when charged fees! The bank has doubled purchases, doubled atm withdrawals, anything they can do to take money from my or anyone else's account. Is there anything that can be done to stop this?

I have lost more than $1000 to Wacovia over the past two years from these fees. I could not change banks until this week because my direct deposits come at such different times that I had to wait until now for the deposits to be lined-up perfectly to get the deposits changed to another bank in time to get the letters to the depositors in time.

As for economic and physical damage, I am out the amount of money mentioned above. I am currently out $70.00 more than I should have been charged, which means that I will not be able to buy groceries this week. My husband has been laid-off from his job in construction for over a year, and has not been able to find work. We also have custody of our 4-year-old grandson (since he was 1-year-old), so we at least have to feed him and have a little something everyday ourselves! These tactics by Wacovia has put us behind on other bills, making me have to pay late fees on the other bills.

And as far as physical, I have high-blood pressure which goes through the roof when this happens, plus I have to take a medication for anxiety more often when I am having to go head-to-head with these money-grabbing, greedy people. It's not the clerks or folks on the phone because they have nothing to do with it; just the executives who make rules like this to make sure they get big bonuses!

For the past two months Wachovia and their collection agency are calling my cell phone twice a day to harass me. According to them, I'm refusing to pay a loan on a Nissan car. Many times I have explained to them that I'm not the person they are looking for. They also keep calling me Mary. When they first call me, they said is this Mary, I confirmed yes because this name is what my family and friends call me. Please help me with this matter. Thank you. I have a thyroid and asthma problem they are truly making my medical conditions worse. I'm using more medicine because of there harassment.

I had a savings account established at Wachovia for many years. I have done business with Wachovia for 20 years. I walked into the Dunedin Wachovia to withdraw money from my savings and there was no money in my account. They had transferred my money into a new MoneyMarket account without my permission or signature. I am a senior citizen and retired and depend on my savings to live off of. Every time I go there, they hound me to transfer my money and I keep telling them no. They took it upon themselves and changed my account and account number.

We have a car loan with Wachovia Dealership Services. My husband fell one month behind on his payment. He makes his monthly payments but he is still one month behind. They contact us again today, at least this was a reasonable hour, they call us up to 9:00 pm since they are opened that late. A woman name Lisa called to tell us a payment was not made, and I offered to give my bank information on the phone. She could not state I needed to go get a Moneygram. I told her that when my husband got home, he will call her.

My husband called her and she was so rude to him. She demanded to speak to me again, and told my husband that he was the problem in this mess and she did not want to speak to him. He asked to speak to a supervisor 5 times before she finally switches him to Eric M. He was worse than Lisa. He basically told my husband that he better find a way to make this payment today no matter what and continued to tell my husband that if he does not receive the payment, he is coming to take the vehicle away.

Now this place is a loan office. They are not the police or a place to confiscate cars. They speak too low and down to you that makes you feel you are worthless. I have never in my life seen my husband cry after getting off the phone with this person. After making numerous phone calls, I finally got a name of a manager who is Darren J, his number is 980-233-6850. Talk about putting people down, my God, I kept trying to bring up the subject how his employers speak to customers, and he told me he knows how they speak to customers.

This is the way they are to treat people when they need to call on a late payment. Now, I am just fuming that they think they have the right to downgrade people, and to call us at 9:00 pm. I had to run out and make a payment which I cannot afford to do right now, to keep these people off our backs. It is just one payment. We do not have to be degraded because of this. I figured if I spoke to a manager, he would apologize for the way they spoke but he on commended them on it. Something needs to be done with this department. The constant harassment every day and tonight is unbelievable.

Here's my issue: my husband and I both have accounts at Wachovia Bank, one with his name and both with my names on them. An attorney Eric H. submitted to Wachovia a garnishment for our account in the amount of $563.29 but Wachovia decided to place a hold on both of our accounts. The garnishment was satisfied on 1/29/2010 after my husband's direct deposit hit his account. I contacted them to explain that since you have fulfilled the garnishment by taking the money out of my husband's account, I would like for you to please release the hold from my account because we only have the one garnishment to prevent a double payment which will take forever to get it back.

Not only are we not allowed to use our accounts, but they placed a hold on the entire account so we are not able to pay our kids tuition, mortgage, get food—nothing. And this is what they told us: "Sorry, we understand your frustration but there's nothing we can do to help you." How about removing the hold for all except the amount of the garnishment? Also, we contacted the lawyer "Eric H." again who stated they submitted the notice to the bank but the court date for settling the account is March 12, 2010. So why in January has Wachovia placed a hold on our account two months ahead of time?

We are getting no where after numerous calls and needless to say we have other items coming in that we will have to pay NSF charges that Wachovia love to charge even when things are not our fault. Can someone please help us? We need someone who cares about customers and not the mighty dollar. Maybe the lawyer should have held the request until it was closer to the court date and even his office was very nasty saying if you pay your bills, you would not be in this mess.

Well, we paid the bill and are still in this mess because we have two accounts still on hold and no way to get a dime of our money to get gas for work or food to eat or to pay anything else. No wonder people are so frustrated and outright ** off these days because everyone is always in their pockets and you can't find help anywhere anymore. We have no money to get food or gas or pay our bills. They placed a hold on two accounts and even after it was settled they have refused to remove the hold.

Wachovia Bank charged me an overdraft fee as well as an unavailable funds fee for the same transaction. The amount of the transaction was for $13.96 and I was charged $70. I live from paycheck to paycheck and cannot afford to pay a double fee for one transaction. I spoke with Customer Service and a Support Specialist and was told this was legal. They refused to remove one of the $35 fees from my account. I was offered a credit of $11, which I refused. I feel that they should credit the entire $35 but they say they are not able to do that.

On 1/22/10 my fiance and I went into Wachovia Bank branch with check from the Florida Lottery. At the lottery office, there are signs posted informing you of which Wachovia Bank branch to use to cash checks on the same day it is issued, without problems.

Once at the branch, the teller Mrs. Darlene ** rudely stated to me that she couldn't cash the check, and the only way I could get any cash was to open an account with Wachovia. She also stated if I opened an account, she would be willing to give me $2,000 cash back but the remaining balance would have to be on hold until Tuesday 1/26/10. I asked her how it was possible that she could give me some of the money today and why is there a hold on the money when the check is from their account holder (bank).

On 1/26/10, I went into another Wachovia branch in Fort Lauderdale, FL to withdraw funds. Once inside the branch, I was told my money was not available and I had to wait another day to access my funds. As a result of Ms. **'s lack of enthusiasm to help me resolve my issue, I felt discriminated against, less than lucky, and my day went from being the best day of my life to the worst. I believe Ms. ** chose not to help me because of her own personal reasons and not because she truly could not.