
Vanessa of Fort Valley , GA on Dec. 22, 2009
WACHOVIA has never been my personal bank! The Saga of the Ten Year Plague of GREED 1999-2009. In February of 2008, I wrote and mailed a long letter of complaint about UNFAIR DEBT COLLECTION PRACTICES used by Wachovia GREEDY Bank. I have enclosed a copy of that letter and all the enclosures documenting their harassment of me.
I am disappointed that I am writing this second and final letter because of a Ten year Plague, GREED. This Ten Year Plague started with my identity being stolen, yes unfortunately my sister. You see December 1998; my sister tried to buy a car in her own name and was denied. Because of her desperation to have a car for work, the car dealership used my information without contacting me verbally nor did they contact me in writing. I did not sign any papers or give my sister or anyone else written or verbal permission to use my information. I began learning of the identity theft about March of 1999 when Sun Trust employees would call and write threaten letters {all this is documented in the first letter dated February 2008.}
You see nothing but GREED has caused this Ten Year Plague to fester in my life. My sister, I have long forgiven her for her desperation and GREED. However, the SLICK car salesman was well aware of and enabled my sister to use my IDENTITY. He knows I was never at that rundown dealership purchasing a broke down used 1995 Mazda. I only purchase new vehicles. It was his GREED to receive a commission for selling garbage to a consumer.
Then there is the GREED of the car dealership; who needed to dump inventory before having to pay extra taxes on overstocked / unsold inventory. You see the owner or a supervisor also allowed the theft of my IDENTITY; because I was never on that dealership's premises. I was where I am right now: in Fort Valley, Georgia. I bet if I look at my cancelled checks, I will find a copy of a check I wrote here in Georgia the day the papers at the dealership were signed. I wish I could say the plague stopped there; but it was clearly GREED when Sun Trust financed the car.
Sun Trust knew who paid the late payments; they knew when the car was financed; they knew where the car was in Florida; everything about the car. Judith S. of Sun Trust would call and write me about my sister making non-payment or late payments. From my very first awareness of information about a car bought in my name; I stated verbally and put in writing all this was done without my consent. These past ten years of dealing with this plague has been an experience I would NOT want anyone to have to deal with --- it has been extremely annoying and painful.
Sun Trust tried all kind of MAFIA tactics to scare, intimidate and break me down. They wrote me threatening letters (included in the February 2008 letter.) They called harassing me on the phone--I have recently located my phone log: I documented in 2005: 62 calls between August thru December. I will enclose a copy of my phone log with this package. Thru the Ten Year Plague they mostly threaten to mess up my credit report, turn me in to IRS, and one time they had the audacity to call me at my job; I thought it was an emergency medical call about my mother who at that time was hospitalized.
That was a time that I was not very cordial to them. Sun Trust even hired professional firms, Vengroff, Williams & Associates Inc, also Douglas, Knight, & Associates Inc, to perpetrate FAIR DEBT COLLECTION PRACTICES. I must have said this 988 million times for the last ten years I DID NOT PURCHASE A CAR IN MIAMI, FLORIDA!
Then the Goliath GREEDY, Wachovia Bank, entered into my life. I guess GREEDY, Wachovia thought they could squash me a small town individual. What I have learned from this Ten Year Plague is that GREED is Wachovia's Motive for existing on the planet. I see why you lose class action lawsuits; you try to bully small town Americans. I won't lie and say I was not afraid of you; see about seven years ago I begin experiencing anxiety attacks every time something came in about my IDENTITY theft.
Then I learned to face the monster; stand up to the monster; and fight, fight back. That's why when Wachovia, acquired Sun Trust and decided to attack me and make me pay for my Identity being stolen and about $5,995.00 dollars on a car that was repossessed in 2001 or 2002 and resold --- you did not know who I had grown to be, a survivor. What does not kill me can only make stronger that is my personal motto.
It was [their] blatant threat to turn over information to IRS that made me mad and forced me in February 2008 to write BBB, OCC, IRS and all others I sent copies to in 2008. BBB and OCC both wrote me back and said [Wachovia] said [they] were going to settle and clear everything up. Well they, BBB & OCC must believe in Legends, Myths, and Fairy Tales. I believe in only what my eyes see and my ears hear. BBB, OCC, IRS, and others I hope are reading because my Ten Year Plague caused by GREEDY, Wachovia Bank is still going on as of today December 20, 2009. GREEDY made and acted out their threats to me!
Threat #1 GREEDY Bank, Wachovia said they would mess up my credit----and they did; by placing negative information on my reports. I know they told you BBB & OCC they would remove the information. My 12 year old niece googled me this week and questioned me about when did I ever live in Florida. I have always lived in the state of Georgia. That let me know Wachovia, Greedy Bank did not do what they said they would do. So I am happy to say I did not and Will not sign that Claims Release Form; I claim and I blame Wachovia for this TEN YEAR PLAGUE!
Threat #2 GREEDY Bank, Wachovia said they would turn in financial records to IRS----and they did! You see IRS contacted me, August 2009, and said I owed IRS $988.00 Dollars for TAX adjustments in 2007. Wachovia said I did not include $5.995.00 income increase on my TAXES for 2007. The reality is since I would not be intimidated into giving GREEDY Bank, Wachovia $5,995.00; they turned in false documents to IRS, another GREEDY, blood sucking leech. I Know I am not the only person on the planet that this bank has persecuted --- I thank GOD for Class action LAWSUITS!
Now I spoke with an attorney, G. H., and he advised me to send IRS all the information I had disputing the claim; but don't send any money. I sent the February 2008 letter with all the enclosed documents; however I did enclose a certified check for $988.00; fear of IRS. I thought surely IRS got a reader who sees my TEN YEAR PLAGUE; and they will return my money. I waited and then I called and spoke with an IRS representative----I don't remember the male's name; all I recall is slamming down the phone because he said I would not get my money back! Then on December 17, 2009 I received a certified letter telling me I was not going to get my money back; I owed the $988.00.
I cannot understand WHY! WHY! Wachovia, GREEDY bank were able to pulled off one last scheme of total FRAUD against ME! When [they] could not force me to pay for my IDENTITY being stolen [they] hurt ME by submitting false documents to IRS. IRS fell for a lie, the car was repossessed and resold in 2001-2002. Wachovia GREEDY Bank and Sun Trust both have written that car off as a loss on their corporate taxes. They waited at least five years to inflict more Revenge! How is this possible in a Democratic society----oh I know Corporate America---Mega Banks and businesses call it FAIR DEBT COLLECTION PRACTICES!
I Do Not look forward to hearing from [them] and nor DO I expect [them] to adhere to the resolution of this problem. I will NOT wait for another minute before I hire my own personal team of LAYWERS. Please DO NOT waste my time contacting me at the above address or by phone; I WILL SEE [THEM] IN COURT IN 2010! [THEY] HAVE DONE ALL [THEY] CAN DO TO ME AT THIS POINT AND TIME! NOW I AM STANDING AND FIGHTING BACK!