Wachovia

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 24/7they 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. Move 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. 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 returnes 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 the 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.

1) The process and system of how charges and credits are posted is so convuluted 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.

2) The reason why the process is so convuluted is because Wachovia is manipulating all the numbers to make it more likely that their customers will incur fees.

3) 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 than 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 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.

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 April 6, 2010 to see how things were progressing, she asked me to send in bank statments, 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 notice, 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 dept 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 responce. 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 dont know what to do to save my home. this just wasnt 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. Im 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 dont seem to care, will a judge care? Lost our Home of 14 years

Edited Complaint:

Had a nice, small account w/Wachovia. Had this account for few years. (Then Wells Fargo acquired Wachovia, it went downhill from there, to me). Used this for small purchases, just a little extra $ for collectibles, etc.

One day I go to Wachovia to make my usual deposit. Was asked to open a savings acct. w/only $10 to put in. Thought this was okay. So, couple of weeks go by and receive my statement. And, there was a withdrawal of $20. Unbeknown to me, this was because my acct. did not have $1,000 minimum!! This was not explained to me at all!!!! I would not agreed to this had I known!!! Felt like I was kicked!!! And, duped!!!! And, so, I ended up closing this account!!! Ever since Wachovia got taken over by Wells Fargo, in my opinion, service has gone downhill!!!

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.

I filed a police report related to the scam.

I did 3 debits which was suppose 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 over drafts. I am sick of them doing this to people. They have done this many times. Someone need to better manage these banks and what they do with people 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 210.00 in Unavailable funds fee's. Over the weekend, I rented a Uhaul truck, they placed a hold on my account, this hold combinded with several other charges reduced my account. However, I have learned that the reason I was charged 6 over draft fee's 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 35.00. Instead, they reduced my balanced from largest to smallest, resulting in several charges for small deductions. They will not refund any of those fee's. EVEN THOUGH I had over 1000.00 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 storeys my is tame in comparrison. they hold on to your money in like a 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 some thing must be done about all these bank that result to trickery is there any help for us

I also am in the process of trying to get my money back from their own ATM. It has taken over 2 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 4 checks that I signed. The atm scanned and processsed the 1st one. The 2nd one took awhile to scan but it finally did, then the 3rd one took even longer but it never scanned the last one. The ATm shut down and printed me a receipt for the amoutn of only the 1st 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 process the money in the ATM. if not, then call the dispute department to open a case. Well, 5 days go by and I call the dispute department and things only get worse. The 1st 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 call 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 ask to speak to a supervisor and informed her how serious this issue is. She gives me the case number and assures me that the case is in fact open this time.

Ok, I think to myself, this has to be the end. Nope! I then call 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 3rd time, I stated my case. I get 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 see the deposit came in. Now I need to see how much is outstanding cause it looks like I'm missing some money still.

My complaint is an all time high. About a month ago I had withdrawn money from an Wachovia ATM machine. I guess all I was focusing on was getting the money too pay my mortage. So, after I got the money I accidently left the ATM card in the machine. I called Wachovia and they told me. They would send me another card for 20.00 expedite or 5.00 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 ripe off and they know it. I guarantee you wachovia has made millions in riping people off. I thought Americans were in a RECESSION not to continue in a down hill spiral to be taken advantage of. It's sad they have over 15 states they are doing this too. Why must banks be so greedy. Withdrawals also need to be increase as well.2X NO, No, No,

Charged $70.00 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 till after midnight and my overdraft was on the 17th!

Another that I can prove shouldn't have been held, as its my cell phone bill that is due on the 12th or I will be shut off but was passed on the 17th, & 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 my 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 un-employment) 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 Im writing this still not sure how I'll eat the rest of the week (its Tuesday) I'm mad, scared, sad, hurt, just lost for how to deal with this, feel like it wont 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 wast while Wachovia bilks 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!

And 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 chnage 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 rediculous! 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 have the page that showed this error on your part I would defnitely have shown you all and posted it online as well. You all have a Blessed and Wonderful Day! They are such jerks sI 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 look on line to check our balance, it show 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 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 notice over Labor Day weekend 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 charge 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 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 (ie 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! 690--so far

How much money was wasted and is being prepared for false claimants who might turn up as anangry defrauders and use different tricks to make my life more miserable and make me and my likes scream because of ijustice? Why is the system specifically very conservative on certain targets and pay 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 whitecollar criminalizing group that kills by "Their Own Rope" as it calls it. More than 1000% emotional distruction. 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 seeming 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 acct 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 acct and online showed that I had the money in the acct. No one seemed to understand this.

I was also shocked at how mean and rude all the represntatives 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 there employees to just say no to everything. They even say no to even there own mistakes.

So they could see right there 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 tommorrow.

Since closing my acct 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 alowed 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 acct 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.

I was so upset. You have to leave this complany, please. They were so rude that it just made me more upset and believe it or not I was polite about it.

By the tenth person I talked to who helped me, I could tell from his voice when he first picked up the phone and stated his name I just knew he would help me... I needed that money because I have to go to school and I have to eat and I have no family. I had thirty three dollars dollars to live on for one week.

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 tho 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 suprised 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 didnt pay and we ended up with an additional $270 in bank fees.

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.

She then looked into it and said that wochovia had added a fee of sixty dollars a year onto my account in January and because I had not payed the fee they sold my shares to cover it. I never got any information from Wochovia/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.

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

Never recieved 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 say 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 was wrong that they have. Why have I gotten all my other statements at this address and NOT Aprils????? I don't want change banks because I've been with Wachovia for so long. So many things are happening with this change over. Iam not aperson 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 complaint is so some to others .Please just here me out on this.

Well my check card was cancel because I have been waiting for the card for about 3 weeks now and I just recived it today! I was wondering what do I do now!

wachovia closed my account that has 15000.00 and 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. Hundreds of dollars in NSF fees I should not have been charged.

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 foodnothing. 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.

I have an account w/ Wachovia. I spoke with one of their financial experts and was convinced to start a way to save account. This account takes one dollar from an account and places it in the way to save account when you use your debit card. I told him to take the dollar from the access 50 account. He changed my account so that everything I did came from the access 50 and didn't tell me. I had so many overdrafts until they had to give me back $490.00! Lack of communication for sure! At least they gave it back though!

We purchased a 2008 Dodge ram truck. Our contract started 9-4-2007. Right away, Wachovia dealer services accused us of not having our own insurance. I insured the vehicle on the same day we purchased. Wachovia issued their insurance to our account anyway in the amount of $1,648. I faxed them proof but that didn't do any good.

Next, when it was added on the truck the following month, my insurance was up from $215 to $1007 per month. We could not afford that kind of payment so we did not drive the vehicle and went shopping for a cheaper insurance and Wachovia charged me another CPI adjustment in the amount of $1,648 from 12-2007 to 2-5-2008 and said they charged us $360. After that, I have had my own insurance but that didn't stop Wachovia from adding their insurance

We let them know we had our own where the CPI adjustment were we noticed payment was missing on the payment history sheet they sent to us. We got a letter dated August 24, 2009 stating that they had put three payment of our in a general ledger account because they didn't know who the payments belonged to because there was no account number. They could have found out who they belong by our names and address. They said they applied the payments in November 2007. They applied my January payment in February and my February 19th payment was applied for February. Our payments were due on the 19th of each month.

I asked Mrs. Elaine *** who worked in the Office of the President of Wachovia in Texas why did she apply my January payment to February when i made it in January. She started talking to me in such an unprofessional manner. I made an April 2008 payment and Mrs. E. stated that I did not make that payment. I had faxed this payment to the March lane Stockton office after they decided to repo the vehicle without even giving us a warning, no certified letter or anything. She first told us that the missing payments that was in the ledger account made us delinquent. Then she said we were 107 day past due for our March 3, 2009 which caused us to default and the vehicle was repossessed.

The vehicle was sold and now they are telling us since June 18, 2009 they are not going to do anything or give us restitution at all. I explained to her if we were 107 days past due for the March 3, 2009 installment, she would have to go back to December 2008 to March 3, 2009 to come to the conclusion that we were in default. I have been trying to talk to Wachovia reps since they took the vehicle and we had no luck. After the vehicle was sold, they called concerned about the deficiency balance when they would not talk to us about how we could get back our vehicle. They said they wouldn't give the vehicle back because we were concealing it.

The vehicle sat in our front yard the whole time we had it. They used concealment to keep from giving the vehicle back. What can we do? I can show the copies of that March 2008 payment that Elaine *** said that caused this entire mess. They have given us one excuse after another about why they took the vehicle. We have receipts from December 2008 to March 3, 2008. Elaine *** told us if we sent her the April 2008 receipt, she would fix the problem. Now she tells me she is not going to do anything about this problem.

We have lost the money we paid into the vehicle and lost the vehicle. Wachovia is guilty of concealing our payment and a few other things. They did not recognize any of the payment that they had in that general ledger account. Wachovia reported the vehicle stolen. Wachovia could not legally report the vehicle stolen from their bank because we were the registered owners. We want to report Wachovia to the FTC for being in violation of FDCPA, the Fair Debt Collection Practice Act. We are demanding they pay us the money we gave them in the amount of $551.18 x 20 months equals to $11,023.60.

When we asked for the exact dated in writing, Mrs. Elaine *** refused to do so. She started yelling at me on the phone. I had to tell her I would talk to her at a later date because she got upset for no apparent reason except she feel guilty and don't want to admit that they made a mistake and are refusing to correct it. What can we do? Should we get a lawyer or can you help us? I wrote to the comptroller of currency and they put the mess right back on Wachovia and Wachovia put it back on us. I can provide proof of that April 2008 payment to you and send receipt from 12-2008 to 3-2009 that made us past due. From our understanding, Wachovia has been bought out by Wells Fargo. We called Wells Fargo and they told us they did buy out Wachovia but the loans on the vehicle and homes were still with this company.

This letter is regarding a customer service issue on behalf of employees Bertha, Acct. Manager/Supervisor and her assistant Rita. (last names were withheld by Wachovia Bank).

On January 8, 2010, I made a car payment in the amount of $581.00. In order for me to be caught up on the car payment, I owe two more payments. I requested to make the two payments at the end of this month after I file and receive my income tax return. I have been on a medical disability designated by my primary physician since September 2, 2009 to the present because I was threatening a miscarriage in my pregnancy. I have not worked since September 2, 2009, but I managed to pay all my car payments for the past 5 years. I am only two months behind, but I will be able to pay the two payments at the end of this month.

I requested a Hardship/Medical Consideration in this matter from Bertha and Rita at Wachovia. I was abruptly denied the request in addition to be humiliated verbally on the phone on January 14, 2010. Their unbearing and relentless attitude of how they talked to me in a derogatory manner made me not only cry but the situation prompted an anxiety attack, oncome of migraine headaches and severe abdominal cramping. I was taken to a nearby hospital where my physician stressed that I was going to have a miscarriage. I was stressed!

Bertha and Rita could have handled my situation far better than the way they did. It was the manner in which they talked to me. In addition, with the economic times as they are, I feel financial arrangements can be made on my behalf. After all, I have been paying on a Ford Focus for the past 5 years and I just made a $581.00 car payment just 1-1/2 weeks ago with the guarantee that I will be making 2 car payments at the end of this month. Therefore, I will be caught up! Bertha and Rita vehemently said that the car will be repossessed!

I can provide medical and disability documentation from my primary physician upon request, if needed. In addition, my mother has spoken to Bertha and Rita regarding my physical and financial situation. To no avail, my mother was treated in the same manner disrespectfully. I pray some disciplinary action can be taken regarding these two employees. If not, all I am requesting is that I am granted some consideration in an effort to pay my two car payments at the end of this month after I have received my income tax return. That is my utmost request.

Thank you for your consideration in this matter. I sincerely hope that no one will have to suffer the mental and physical anguish that I have suffered at the hands of evil-spirited, cold malicious, uncaring, so-called specimens of a human being. I pray that these two individuals will walk in my shoes or possibly one of their loved ones!

I am upside down on my home loan which was also a neg. loan. I borrowed $330,000 and now owe $365,000. In addition, I have an equity line loan for a new roof and other work to the house for the amount of $45,000. Tax office said my home is now worth $420,000, and I purchased home with $200,000 down.

And the lender won't adjust my interest rate and refused to modify my loan. It's because even though my payments are much higher now than when I bought, they say since I am current, I do not qualify for a loan modification, even though in October, they advised me of a new program for owners that are current but upside on their home. Yes, denied, because I am current. Why have they told me to call back since March 2009; In October, I was told of new program. I provided all documentation. And then I got a call saying I am denied in January 2010.

I have a personal checking account with Wachovia Bank. Due to job loss and financial hardships this past year, I have had several checks returned--all of which were paid and made good on. I was subsequently charged a $35.00 NSF fee for each of these checks. On 1/12/2010, I made a cash deposit for $250.00 to cover a utility payment I made over the phone using my Wachovia checking account. The deposit slip I received from the Wachovia bank teller said that the funds would be available the following business day. I didn't think twice about this because cash deposits are always available right away--or so, I thought.

While checking my Wachovia Online Bank Activity this morning (1/14/2010), I was shocked to see that the utility payment had bounced. I was charged a $35.00 overdraft fee, and they were holding my cash deposit for seven days. I thought for sure this was done in error so I called 1-800-WACHOVIA and spoke with a customer service representative and a supervisor who both claimed that they did not know what this seven-day hold was due to and that the hold was placed on my bank account by my local Wachovia branch in Old Saybrook, CT.

I immediately went to my branch, deposit receipts in hand, asking for an explanation as to why Wachovia is holding my cash for seven days, causing my account to be overdrawn and charging me $35.00 fees for it. The 'personal banker,' Mr. ** had no idea what this hold was about and after researching this matter for 15 minutes or so with no answers, finally had to call Wachovia headquarters to get to the bottom of this situation. The representative he was speaking with on the telephone obviously wasn't familiar with "cash deposit holds" because they were trying to figure it out together for a good ten minutes.

Finally, Mr. ** hung up the telephone and explained to me that since I have a history of overdrafts in my checking account, that Wachovia Bank will now be 'holding' all of my cash deposits for seven days before releasing it into my account. I am outraged. I can certainly understand a check or money order's funds being placed on a seven-day hold until a check clears, but cash deposits? So now, to compound my already dismal financial situation, I am out $35.00 for my utility bill. I will then be charged a fee from the utility company, and I also won't be able to access my cash for seven days.

In my opinion, this is just another ploy for Wachovia Bank to slap $35.00 fees on consumers like myself who are already struggling financially. Is it legal for Wachovia Bank to place "cash deposits" on seven-day holds simply because a person has had overdraft issues in the past? I am sure that in this economic climate, that I am not the only person who has had a check returned from Wachovia Bank. I would greatly appreciate any advice or further knowledge of this situation. I was charged a $35.00 overdraft fee with others to follow I am sure. I will be charged a returned check fee by my utility company, and I will not have access to the cash I deposited for seven days. This is discrimination!

Wachovia is using deceptive unfair practices to consumers, such as myself and others to fraudulently abuse their powers in charging frivolous NSF/overdraft fees of $35 each. Last week, I sent a mortgage payment check to Wachovia for $1076.00. Apparently, I was advised the held the check was received on a Saturday and the funds were withdrawn on Monday at midnight. Apparently, I was a few dollars short in the mortgage check and even with my overdraft protection being around $75.00, this still was not enough money to clear the mortgage payment. Wachovia should have declined the check and send it back to us.

Instead, Wachovia went on to take all my money, then hit me for 18 fees x $35 each for $630.00 in total. This makes no sense at all as the transactions were done on Friday, Saturday and Monday. The minor purchases should have all cleared with no problem at all. On another issue, I even withdrew $60.00 from an ATM machine, to find out I later got hit with a $35.00 NSF fee. This is ridiculous. Why can I be allowed to withdraw money from an ATM and make small debit card purchases with no issues at all when my money was available and the mortgage check did not clear? This is clearly a moneymaking scheme from Wachovia to hold checks on purpose, then hit you with fees on your other transactions.

I have lost $630.00 this week alone. It is unknown at this time what other fees I have been hit with in the past as I have been with Wachovia for over 4 years. I have lost all trust in Wachovia and the banking industry in general. Wachovia is clearly holding checks for days with the highest amount being processed first, then depleting my account when smaller and earlier transactions could have been processed without a fee. Wachovia routinely enforces a policy whereby charges incurred are posted to accounts in non-chronological order in an order designed to maximize their overdraft fees. Wachovia has abused my rights, which amounts to "bad faith".

Wachovia Student Loans group owned by foreigners. Operators can barely speak English. Every single time you try to call Wachovia to resolve a problem, which believe me there are many, you are forced to answer 25 to 50 personal questions about your entire life and you have to understand all forms of broken English. It is no wonder people's IDs are being stolen. Anyone who completes the interrogation deserves to have their ID stolen. And heaven forbid they ever have to transfer you to another teller. You have to go through the entire procedure all over again. Every single time they transfer you. I would have been paid off by now. I was planning to have my entire balance paid in short order. After my third payment, I never got a receipt.

I had an e-mail teller who sent me e-mail receipts to start. However, she lost her job as she knew what she was doing. You know there was another foreigner they could put in her spot, and it would only cost them a dollar an hour. Anyway, they refused to send me a receipt for months. After repeated requests for acknowledgment of payment, I finally decided that if I stopped paying they would ask why, and then I would get a receipt. Yes, I did get one finally. However, they informed the credit bureau that I was a bad credit risk as I refused to pay the balance on the loan. I contend that when they made that bad credit report, they committed libel. And for that reason I am charging them $250.00 for that crime.

To this day every time I contact them to resolve the issue, I end up hanging up as I refuse to give my entire life's history to a bunch of foreigners who can't speak a lick of English. When they respond and agree to my terms, I will pay down the loan in short order. I am forced to do this as it is so easy for them to make my credit look bad and so hard for me to correct the problem. Today's world forces us to air our private laundry in public. It is best that we fix all these problems with government soon. Government is getting less and less friendly all the time.

The clerk took money out of my checking account and gave it to someone named Patel and put my account in the negative. So I was charged insufficient fund and they sent the account to collection. Loss of fund, bad credit, cannot open checking account and I still have account with them which is insane if I owe you money.

On January 6, the balance of my account was $7.11. I had two transactions, holding $1.11 and $9.53. I was charged $35 insufficient funds fee. On January 7, the two transactions cleared my account, and I was charged two $35 dollar insufficient funds fee. When I called on January 9 to find out why I was charged 3 fees when the online statement show two items bounced. I was told that because the items were on hold on January 6, that technically my account was negative on January 6, even though a positive balance was showing off $7.11.

Customer service refused to refund the $35 fee on January 6, because if your holds exceed the actual balance of your account, then technically, your account is negative; and they charged a fee for unofficial negative balance (because after all, they can't show that you have a negative balance, because technically these transactions have not gone through. But they can still charge you for it). I have filed a complaint with the BBB, and when the FTC gets their link working for consumer complaints, I will be filing a complaint there also.

I have several accounts. Each time we added a new account and/or requested a new check card, the accounts were mixed up in regards to which card was linked to which account. I pay all my bills through online BillPay. In spite of a payment being scheduled for a particular day, it was returned by Wachovia 3 days prior to the scheduled date. After discussing with the staff at the branch, nothing was done about it. I inquired a $35 NSF fee.

I made a cash deposit at 2:30 p.m. on 1/5/10. I also made several check card purchases the same evening. The check card withdrawals were made that day, but my cash deposit didn't post until 1/6/10.

I only use this checking account to deposit money to pay for the auto loan, and nothing else! I made multiple attempts to make a deposit from Thursday, 12/31, to Sunday ,1/03, but either the Bank was closed for business, or there were no deposit envelopes in the ATMs. I also checked my online statement daily to monitor activity, and there is nothing posted, not even holds. Not even on Saturday the 2nd, when the bank had business hours. On Sunday, I went home from my last unsuccessful deposit attempt, and get my own envelope, because I have set up my Wachovia auto loan to be drafted from my Wachovia checking account. I made deposit through the ATM, using my own envelope. On Monday the 4th, the deposit posts as deposited on Monday, not Sunday, and a $22 NSF fee. Nothing else.

on Tuesday the 5th. They charged me a $35 overdraft fee, even though it was their $22 fee that caused the math that resulted in the overdraft. I called and discussed it, and they said that the NSF was because the loan payment first came in over the non-business days, although it was posted on the 5th. I think that so then, since my deposit also came in also on a non-business day, and was posted, as well on the first available business day, even before the loan payment posted, that I ought to get the same privilege the bank took.

They "looked into" crediting the fees back for me and the "system" refuses. I argued why since, I have never asked for a credit before, never over drafted the account, never had a penalty before, nothing that should disqualify me from a courtesy afforded most Banking Customers regardless even of fault. The rep says she doesn't know but just that the system returned a 'no'. I think it has to do with the fiscal year, but nevertheless, I am closing my account with Wachovia, and urging my husband to refinance his auto loan through another lender! This was predatory.

i incurred $57 in fees for the bank being ill prepared for banking customer transactions, and for allowing themselves the financial benefit of transactions that "come in" on non-business days, but not allowing the customer the same privilege, for my transactions completed on non-business days.

I made an error and overdrafted my bank account on 01/04/2010. I realized my error when I got home and expected to be charged a $35.00 overdraft fee. But when I checked my account, I had been charged $245 in overdraft fees. The 6 extra transactions I had been charged for occurred between 12/31/2009 and 01/03/2010 before my account was ever overdrawn.

I called the bank to complain and was told, "It's your problem. We didn't process the transactions until 01/04/2010." And then, they processed them from highest to lowest not in order of the date and time the transactions had occurred. This seems illogical, since people do not keep their check registers in that order but rather as the transactions occurred. The bank told me there was nothing that could be done about it and to just pay the $245 ($35 which I do owe) I am furious, but it seems there is nothing that can be done to stop this practice.

I hadn't used my card or checked my account in two weeks. Last time I looked I had $10.61 which is why the card hadn't been used. I logged into my Wachovia account and to my shock, I was charged over $400.00 in overdraft fees. This wasn't the first time it happened. I admit at first I thought I made an error, but then again and again? I couldn't be this stupid or irresponsible. Then I looked online and found others who have been fleeced this way, the reordering and manipulating of charges so the bank can maximize their profit when you overdraft. Instead of one overdraft fee, Wachovia reorders the charges and hits you with fees for five smaller charges. What I found was that my online records and information I receive on the phone never match up. How can some one manage their money if it's being moved around and manipulated? I can't believe this is legal! I want to take legal action but I don't know how yet and I seriously doubt its something I can afford especially since I'm being robbed by my bank.

She sent out a bank card with a note that said "lost ID at bank Ellen" and said if I need to verify this just give them the note. I went inside to speak with the manager who said there was nothing they could do about it. I feel that they gave my money and ID to someone else by accident, however, they could have warned me that someone else may have my personal information. I sat in freezing weather for an hour. I will have to replace my ID. I cannot drive until I get the money to replace them. And there is the possibility of identification theft.

I recently opened a checking account with Wachovia, and it's been a nightmare. Since when does a bank put people on six month probation period? When in fact, the individual banker should be putting Wachovia on a six-month probation period. No instate check should every be held for seven days for verification of deposit. My agreement with Kolsum at the Leesburg branch was as long as I deposited into the ATM, drive thru or inside will not be held. Sometimes I deposit checks and I have no clue when I can use the account. Most of the times, the checks have been put through and other times they are held for up to seven days. No consistency at all.

I tried to close the account twice but am unable to do anything until the restraint is taken off. The first time for this and the reason is because I want to close the account out. Now I have to pay all the fees accumulating now. We all realize that Wachoiva made bad loans and took a bailout from the government and must pay it back. This doesn't give you the right to screw the individually account holder. I didn't make your bad loans and I don't want to be screwed over by fees. Because of all this, I must start an anti-Wachovia blog on the internet. Just as soon as the restraint is lifted, I am closing this account forever. Shame on Wachovia Bank. I was going to transfer my business account over to Wachovia but there's no way in hell will I trust Wachoiva with so much money.

I forgot to write down a transaction in my checkbook that was due to come out of my account on Monday Dec 21st. Over the weekend I had done some Christmas shopping so there were several transactions pending to be posted to my account that Monday the 21st. Well Wachovia does not post transactions in the order in which they are received, they post from the highest amount to the lowest amount. So instead of getting one $35 fee I got 7 of them which totalled $245. Them taking out their fees caused my account to become over drawn. With the holiday and the banks ridiculous hours and a 2pm end of day cut off time I was not able to make a deposit into my account until Monday Dec 28th so I then incurred two more $35 fees. So now I have paid out $315 in bank fees.

I contacted the 800 customer service and got $44 back from them, asked to be transferred to a manager to see if the manager could help me out more. After explaining my situation he basically said well dont over draw your account and you wont have this problem then hung up on me! So after the holiday I contacted the branch manager of my local branch that I opened my account with. She was able to give me $70 more back but also tried selling me on opening another account or getting a credit card with them for over draft protection. They are ripping their customers off and looking for the most profitable way to do so. I dont think this can possibly be legal. They made $201 off of my mistake. Now I coulda have handled the one $35 fee but 9 of them. There has to be something we as consumers can do. This isnt the first time they have got me with ridiculous fees but it is the last because I switched banks. I want my money back.

Wachovia bank has swindled me out of $280 by placing transactions blatently out of order. From Thur. 12/24 thru Mon. 12/28, their online banking website showed I had a posted balance of $261.73, with holds of $144.14 with dates showing back for several days. The holds were covered, but were still not being processed on Mon. 12/28. Nor was my deposit from the previous week showing up either. I thought it was strange that no transactions were being processed yet, after such a long holiday break.

On 12/29, an expected larger auto debit of $305 suddenly appeared ahead of everything else. But this auto debit had been moved and processed ahead of the holds, even though it had a later date, resulting in all of the hold charges suddenly processing afterwards, and all at once, subsequnetly resulting in $280 overdraft fees. At the same time,(all of this taking place literally overnight), the automatic deposit from the previous week was now being processed last, which was conveniently giving the bank the opportunity to take $280 in overdraft fees out of it. Their only argument was, "the larger debit had to be paid first, even though it was submitted last, and the holds could not be processed until they received the reciepts from the vendors". I guess they somehow just managed to receive all of those spread out hold receipts all at once. The bank also claimed that the deposit was not made until the same day it showed up on 12/29, but have themselves previously stated to me, that it takes several days for auto deposits to process and show up, which now contradicts what they have previously stated.

On December 25, 2009, I checked my account online to see how much I had left in my account in order to buy a few groceries. I knew it wasn't much because I had checked my account for the past two days before making purchases for Christmas. This was mainly to make sure my deposits had been made to "pad" the account for stuff I still need to buy. I was shocked to see my account at -$365.00!

I scrolled through my charges in utter horror, trying to figure out what had happened! I had been very careful to check online to see how much money I had in my account as well as to check the "holds" section, being aware that banks will use that as a way to make you "overdraw" your account.

I discovered that, out of nowhere, when my account was at $178.54, the bank charged a whopping $105.00 in overdraft fees. My account was NOT overdrawn...and in fact stayed in a positive $73.54! I kept looking at it it and trying to figure out where that $105.00 came in. This, of course, made my account so low that all my purchases for Christmas quickly at up the paltry $73.54 until I was at a zero balance, at which point they began to count every purchase after that as overdrawn.

I calculated all my purchases and saw that, had they not charged me that mysterious $105.00, I would have had enough money in my account to cover all my purchases except two very small amounts (I must have been off somewhere in my calculations while spending). With those two purchases, I would have been overdrawn a maximum of $70.00...still excessive...but much better than $365.00.

If anyone knows of a lawsuit against this bank, please let me know. I'm going tomorrow to see if they will fix this/explain this to me, but I'm not expecting much from what I've read here. If they don't undo this, I will be getting an attorney.

I just wanted to exchange five $20 bills for 2 crips new $50 bills for my grandchildren for their Christmas cards. The teller asked me if I was a customer. No, I am not. The teller stated that it was against bank policy to exchange denominations. Wachovia refused to exchange U.S. Currency. Didn't Wachovia receive TARP funds? the bank had no issue with taking non-customer (taxpayers) money then, didn't they. Wachovia Bank...you suck!

Wachovia purposely sets their system up to rip off as many customers as possible. I am a single mom and this occured on 12/22/09 and 12/2309. It has ruined Christmas for my self and family. I called Wachovia three times and also emailed them. They refused to waive any of the overdraft fees.

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!

I was accessed 420 dollars of overdraft fees for a 100 hold on a hotel that is not even going to be processed. It will be removed in a day and they charged me 420!!! dollars in NSF fees for a balance that never went below zero. Someone needs to get this under control this is absolutely unacceptable that they are being allowed to STEAL money from individuals on a daily basis.

I had a balance in my checking account of $5.62 after all my monthly tranactions processed. I then used my debit card to pay a $3 parking fee and then $2.56 for a store transation. A check written on the wrong account came in 4 days AFTER my $3 and $2.56 transactions... I was charged $90 for all 3 transactions. The bank trocessed all three transaction at the same time placing the larger of the transactions first, therby overdrawing the account for all transaction. After speaking to the representative I was told they could do a $10 courtesy refund. WHAT A CROCK!!! $10 is not a courtesy it is a slap in the face. I would NEVER recommentd this bank to anyone, thry are not people friendly, every transaction is to benefit the bank they do nothing to earn the loyalty of the customer!

I made a deposit in my personal checking account on the 12/7/09 through the ATM. Two checks were made out to my husband which he signed and one was from my son written out to cash for my daughter who baby sits for him. On the 8th of December I was checking account and noticed that it said deposit adjustment and two of the checks had been removed from my deposit and debited from the checking account. So I email Wachovia online and they said two of the checks had another parties name on them and they could not deposit them. I have had this account for 5 years and have done this every week for the last five years.

To make matters worse my husband had me make a purchase for him using the funds and pay three bills for him. So with all of this in mind they have returned the checks NSF charged me $140.00 and cant tell me where the checks are that they removed from my deposit. I have called the branch manager for the last four days and he will not return my calls. I have gone to a branch to try and get help and all they tell me is it is their policy not to deposit checks unless the name is on the account. I said really I have been doing this for five years and it has never been a problem until now. They told me dont know what to tell you but cant help you.

Making matters worst I made a deposit on the 8th before 2:00 with a check in my name in my account and they held the funds until today and returned two of the checks again and charged me another $70.00. They it is their policy to hold deposits for 48 hours. Son even the checks that I deposited that were in my name to cover the checks I had outstanding they held on to and sent them back NSF.

I have filed a complaint with the Federal Reserve and am waiting for a call back from a police officer to file a police report for grand larceny and fraud. As far as I am concerned they stole mey checks. They cant tell me where they are and they fraudently stole money out of my account for cover MSF fees that I should not have been charges.

Since the branch managers does not have time to call me back for four days, maybe he can take the time to talk to the police when they get there. I am out $210.00 dollars in NSF fees and now have to go and make good on the checks they returned and pay fees on those to the mercents. And face the embarrassment of having to face them about the checks. Wachovia is the worst bank ever! They are a bunch of crooks.

So to make a long story short they took me checks and now they wont find them, tell me what happened to them, and they have overdrawn my account when there was money in the account to cover one of the checks they returned. I have called the branch manager for three days and he wont return my calls. I have filed a complaint with the Federal Reserve and am now in the processing calling the local police department and filing a police report. Overdraft charges and theft.

I've had a buildup of overdraft fee. And tried to settled this with them. I was not aware that they have several depts. Pay bill is leased out by another company and Wachovia promotes them.. I was told if I paid 254.00. My account would be reinstated. Fine I paid. As I found out still my account was not in good standard because I still had to go thru recovery another dept to finally get it settled. What is funny about this matter and sad my employement check was direct deposited and Wachovia received it. I was told numerous times my account was closed.Wachovia has my 5600 paycheck in my closed account. And today I received a collection notice from Wachovia Collection agency..I want this settled. I will not pay overdrafts fee which have totaled 490.00.

I made a deposit of $397 via a Wachovia ATM on a Sunday night. On Monday morning $357 was withdrawn from my Wachovia checking account with the description "24 Hour Banking Adjustment". When I called to figure out what happened, I was first told that there was only $40 in the deposit envelope. This is absolutely incorrect, as I deposited $60 in cash, and $105 and $232 in checks. I was then transferred to three different personnel (having to describe my problem in detail each time) before I was told that a case had been filed and that I should receive some kind of communication in 5 business days. I consider this an unacceptable response to an issue that was not my fault and has now frozen $357 of my funds.

i am a victim of fraud. this person got into my 401k and had them issue a rollover which he brought to my bank, wachovia. this was a third party check strictly for a rollover. (i did not issue this rollover either) he endorsed the back with my accnt number, changed my address to his, put his phone number on account. took my atm card(without my knowledge) and swiped 300-500 per day. i was never contacted by phone or by mail because wachovia accepted this mans information in regards to MY account.

wachovia said anyone can change your address without any form of id. he got this check(rollover) and deposited it..14,000 and change and endorsed the back of the check with "for deposit only". wachovia will not take any responsibility in regards to this. they keep saying i benefited from it. i had money in that account(my pay checks) to pay my bills. the unusual activity going on - i was NEVER alerted to. i asked them for my signature card...but they do not care.

i would NEVER EVER cash in my 401k...that was my only retirement.

this person(not a boyfriend, etc) just a friend i thought. well it turns out he is wanted in florida and then i went to court to file other charges against him for uttered forged instrument...he is in jail..he is in now in regards to same as above with another bank.

this person opened credit cards in my name, forged checks...an a lot more damage. this was not noticed until about 6-8 months later when people started calling for money. he has done this to many other people also. we are awaiting grand jury..but i am sick over this. sick that wachovia which i spoken to so many people will not take any responsibility for their actions....can you help? wachovia is a total nightmare and nasty people also.

On August 26, 2009 at 12:15 pm I closed my account with Wachovia Bank. Two months later Wachovia called me and said that I owed 1500 dollars. I would settle the matter but they would continue to call me and harass me about money that I supposedly owed them when I didnt and when I did not have an account for over two months.

When I asked where they were calling from so that I can write to them about this harassment the caller refused to give me the information. I told them that I would speak to the New Jersey Department of Banking and Insurance, the Better Business Bureau, Consumer Affairs, AARP and to my lawyer.

When I signed up for my Wachovia Free Checking, they offered me a service called "Way2Save", which transfers $100 a month from my checking to savings. When this service was described to me, it sounded like the transfers would happen at a set time, so I could plan around them. This has never been the case.

I tried using their online customer service to seek my money back, and I got a bunch of generic answers to questions I didn't ask, and no answers to the questions I was asking. At one point I was told I should use my check register to keep track of my account. I do use my check register. But I have no idea when they will decide to do the "way2save" transfers, so I can't account for that in my register. At that point I lost it and my reply contained a four letter word, and they sent me a message saying because of that they refuse to help me.

So I went down to my local branch and spoke with the shift manager. He was more helpful in explaining things, but not in getting my money back.

Apparently it's at Wachovia's discretion when, and even if, they do the transfer to the "Way2Save" account, even if there are holds on those funds. They also process higher denomination transactions first, rather than in chronological order. Thus maximizing the overdraft fees they can charge people ($30 per $5 to $10 transaction in my case)...

And the part that no one can give me a straight answer on is why I still got the fees even though the funds to cover the transactions NEVER LEFT THE BANK.

Wachovia is now holding cash deposits made after 2:00 p.m., for 48 hours, before "processing". This means that the funds are available immediately from an ATM, but not available in your account toward any incoming debits like checks or online payments. They will charge an overdraft fee for a bounced check, even if that amount was deposited in cash the day before. Overdraft fees for funds that are in your account, but not "processed", even though those funds were deposited in cash.

I too have been scammed by the it was on hold so we counted that money and now you have overdraft fees and the items that would have gone thru have overdraft fees so in the end you owe 175.00 I have contacted the better business bureau and if they cannot help me I am filing a small claims suit including the cost of filing and postage. I suggest everyone take the same steps, they can't afford to spend all the time in court. Plus the judge is not going to take their word for it so they will have to prove their case.

In the meantime, I have my monthly statement, the online statement copied and pasted, as well as all correspondence telling them that their own statements and simple basic math does not add up to what they are stating. Wachovia bank is the worst institution I have ever dealt with and they refused to refund because I had already had charges reversed. When I first opened my account before I even had money in it, there was a business that I had never heard of attempting to pull money out. I hadn't given the account no. out but Wachovia insisted it had to have been me or my husband. I should have known back then.

Over the last two years, they've harassed us, lied to us, ignored us, refused to return phone calls, lost documentation numerous times, and passed us to different departments all over the country. The latest conversation with them is that there is nothing they could do to modify our loan and will begin foreclosure immediately. This is the second time they've begun foreclosure on this loan. The first time, after months of harassing phone calls from creditors (at home and work) they issued a letter on July 1, 2009 announcing foreclosure. We responded by telling them to go ahead because we could no longer make the payments as a result of my husband losing his job. Additionally, I was in the hospital and could not negotiate with them.

While still in shock, I called my local branch and was rudely told they were within their rights and there was nothing I could do. I was flabbergasted to say the least. Had I been savvier, I would have closed the five accounts I had with them at that moment; however, I naively gave them another chance.

So, if you are still banking with these crooks, I urge you to move your business elsewhere. Their misuse of power and perceived rights are ruining hard-working individuals credit, bank accounts, and savings.

I have had the WORST experience with Wachovia dealer services. They have been taking more interest than they were supposed to because they didn't apply any of my over-payments to principle for the past 18 months, but rather applied them to "future payments", which just means more interest for them since their is no minimum interest I am obligated to pay before I pay off my car. When I called to dispute this with them, they said they would only go back 3 months to correct their mistake, when I have been over paying AND double paying for 18 months. I am still trying to fight them on this and I have not had success yet.

I used a cash points machine, which never once indicated I would be charged a surcharge. At the end of the month Wachovia assessed and charged my account eight dollars. I was unaware of this charge so I did not deduct this amount when balancing the account. I could not figure out why I had come up negative and overdrawn. I was charged 3 $35.00 overdraft fees ($105.00) plus the eight dollars. I called to complain and the supervisor reversed the eight dollars, but refused to give back the overdraft charges ($105.00) therefore I lost my entire unemployment check of $135.00 I get to live on once a week. The bank took this money wrongfully from me. I do not reccomens this bank o anyone!

In the mean time, they have called ,me and other family members, numerous time trying have me pay my car payment. I told them that I was not going to pay them until they credit my account for the insurance coverage I already had. I cannot believe that I company act with such bad faith toward their customers and still be in business. I am now late 34 days on my car payment and they have harassed family members on the phone.

I requested a deferred payment in May 08. Due to loss of employment. I have tried to settle this through their dispute department, credit dispute and now OCC case. I have 2 loans with Wachovia and have never been 30 days late over a 8 years. So we had a bad year (recession) like everyone. I have tried every avenue to have this rectified. They reported me late. We have lost our home and now have requested they remove the late (30 day) from our credit report. They refuse to, because "Wachovia" record show they requested a $25 deferrment fee was not given. Great Service!

Do they really think I would sacrifice my credit over $25 dollars? I hope they rot.... you wonder why they went under and now Wells Fargo is in charge. I can't believe they are so stuborn and want to continue this fight over $25! If this is not corrected I am filing a class action suit... It is a matter of what's right and wrong. Susan Hunt needs to get a reality check on what is going on in this country! Really, over $25? We have already lost our home and now due to this late payment, which is not late I can't get loans for my children to go to college! Principle is one thing but this is absord! Can't wait to see Wachovia with yet another Class Action law suite. They should be so proud they stuck by their policy.

I was noticed that I was charged $280 in overdraft fees, which occurred because the bank opted to post from highest amount down to the lowest amount. When I contacted customer service regarding this matter, I was advised that I would be given a 25% refund for the fees for a total of $70. I advised the rep that is unacceptable as no where in the paperwork do they say this is how they post, I was transferred to a "supervisor" at this point.

After being on hold for 15-20 minutes, i find out that Iw as blind transferred and had to start from scratch. I was also informed that this department handles fee refunds. I'm no genius, but if you have to set up a department solely for fee refunds, there must be a problem somewhere. When I told this rep that it it not mentioned in the paperwork that they post highest to lowest, she said that it is. When I asked specifically where it is located since I may have missed, I was told that she does not.

My next question was if you do not know where it is located, how can you be sure that it is there? Iw as yet again offered 25% off, I told her that I would take that, but be advised that I am going to complain because this is ridiculous. If they in fact feel that this is just, why the need for the department and why the offer for a refund, no matter how minial? I am out $280 for only overdrawing on 1 transaction, now I am unable to pay bills as I need to.

Well to start off I would like to let you know that the customer service at Wachovia bank in Amarillo, Texas is the worst that I have ever experienced at a bank. They do not care about customer satisfaction at all. I have called them and NEEDED help with my bank account and they just talked me around in circles and never helped me. I also have been told that they could HELP me if a check were to come in and I noticed it before it actually either posted or rejected due to insufficient funds and when it actually happened, I had my phone calls either ignored or avoided. That's just one thing, the other is the way Wachovia's system processes either checks or debits of all kinds. I have been banking ever since I was able to spend money by myself, and have never come across a bank that will not cover a MEMO debit with a credit or deposit that same day or the next. Memo debits mean that it has not completely posted and if covered before it actually posts, will not incur any fees or will at least be COVERED.

This has happened to me 3 or 4 times and have been charged a fee every time. If you are going to charge me a fee, at least COVER the check. Instead WACHOVIA charges you a fee for just not having enough money in the bank. Who does that? I could understand charging a fee for using the bank's money to cover something that they didn't incur, but to charge a fee for just not having enough money, that's just mean. I did have a credit that was my pay check that I have directly deposited to the account and would have been covered the next day. NOT once have I received a courtesy reimbursement for the fees. NOT even a mercy one. I hate this bank so much and I don't hate things easily.

Every month I use billpay to pay my monthly student loan payment. I paid my student loan payment in September and then again in October of 2009. Both payments cleared through my account in a timely manner. Mid October I recieved notification from Wachovia that they had not recieved payments for September or October. I called customer service and told them I had made the payments and that they had cleared through my account. They showed no record of my payments. So I went to my bank and yes the payments had cleared through. I called Wachovia and they told me to send statements to prove that they had cleared.

I went back to my bank and had the bank manager call Wachovia and the manager spoke with an auditor at Wachovia. The bank manager told the auditor that indeed the funds had cleared through and that she would fax the statements. I sat for over an hour with the bank manager when the bank manager told me I put in the wrong account number. I said that couldn't be but we went ahead and put in my account number and it automatically switched numbers on the account. They had no explanation for this. So I was given a number to follow through the next day. I gave it two days and followed up. The number Wachovia gave the bank manager was a fax number with a message. I left a message and recieved no return phone call. Now I have recieved another notification from Wachovia stating they did not recieve my November payment (which was paid and cleared through) Neither my bank nor Wachovia is doing anything. I have been the one actively pursuing this and it has been to know avail. I feel angry, frustrated and helpless. I have paid the student loans bills on time, Wachovia will help me out nor have they acknowleged what has been sent to them. This is extremely stressful.

I wish to lodge a complaint against Wachovia Bank, which routinely uses suspect accounting and mathematical techniques to instigate Overdraft charges against their account holders. They restack incoming charges over multiple days, ignoring the chronological order that they were received, to create the maximum number of overdraft charges, even when sufficient funds were available to pay them. The attempt to quiet the complainers, by giving a token maximum $105 re-imbursement even though hundreds of dollars in charges are kept on the books.

I was contacted today while at work. The individual who called from Wachovia informed me that unless I made a payment on my truck, they would send my account to collections. The individual was rude and intimidating. He was unprofessional and was very unreasonable. When asked why they had not changed my mailing address yet so that I would receive my bills at the address where I currently reside, I was told that wasn't the issue. I was also told that my latest payment was not received.

When I contacted my Wells Fargo banker regarding my latest bill payment to Wachovia I was told that it had been received and endorsed by Wachovia, but that my October payment had not been made by me. I am upset with Wachovia and I am angry that have treated me so poorly and have been so very difficult and send bullies after their customers to yell at them.

I plan to file a formal complaint directly with Wachovia but don't expect much in the way of cooperation or assistance. Because I missed my October payment I am expecting a penalty. Rightfully so, but I still need to correct my mailing address with them and don't know how to do that in an effective efficient manner.

On November 2, 2009 I noticed that Wachovia bank had taken a substantial amount of monies from my checking account in overdraft fees. the first amount was 315.00 on 10/19/2009, then 350.00 on 10/20/2009, then 35.00 on 10/21/2009, then another 70.00 on 10/21/2009 for a grand total profit of 770.00

On 10/19/2009, I had a total of 112.87 in the bank. The next line shows an overdraft fee of 315.00. There are no transactions in between these two lines, which leaves me to wonder what caused me to be in overdraft in the first place. As long as I have been with Wachovia, noone has ever been able to effectively explain to me how it is that overdraft fees can occur before a debit. Nonetheless, they continued to allow charges to go tru from my debit card for grand amounts such as 31.42, 15.90, 14.95, 6.89, 5.30 etc. Because of these small amounts (that should not have been approved if there were no funds available), Wachovia has profited almost 800.00 I strongly believe that these charges were approved because of our weekly direct deposits that were enough to cover these charges and put us back in the positive.

On November 2, 2009, I contacted wachovia bank. The first representative I spoke with offered me a refund of 205.00. I spoke with another representative that offered a 341.00. I accepted this refund because we needed the money, however I later began to think about the fact that they still profited over 400.00! So,I sent wachovia bank an email on this same day, stating that the money they took from my family could have afforded our unborn baby a crib, stroller, etc. and that my husband and I work too hard to have money taken from us in such a cruel, malicious way. They basically emailed me back and said tough luck, and that they would not refund us any monies in the future.

After losing my job in Dec 2007, i reached a stage where I could not pay my mortgage and after unemployement benefits ran out. I started a business and it generated some income so I went to Wachovia for a Loan Modification in Sept,2009. This was three months after I started the business. I sent them all the info they requested on sep 28th.

On 10/12 I spoke to MArcy armstead who told me that tehy were still working on it. On 10/15 Brenda Martinez told me they were missing certain documents which I resent. I spoke to a Chris subsequently who was rude - no last name - and asked me to resend the documents which I did yet again. On 10/28 I spoke to a Carlo R. who said to rsesend teh documents and I amde him hold and confirmed they received it after I faxed them.

On 11/3 when I called to follow up I was told the modification was denied since they ahd not received the documents, by Francis E. I asked to speak to a supervisor and was told there was none available. Now I was advised that the property was into foreclosure because the documents were not erceived. After much back and forth I was advised to re-apply.

I feel I am being given a run around and not given the chance to correct a situation and avaoid foreclosure. The bank does not seem to be interested in implementing this program or helping homeowners avoid foreclosure despite the fact that we are trying very hard to start payments and correct the situation. I do not want to lose my home and need some assistance to rectify the situation and proceed to make adequate payments on my house

Over the last several months, I have paid numerous overdraft fees. While I am responsible for keeping track of my account, Wachovia's practice of paying the largest debt first so as to maximize overdrafts and holding check card transactions have resulted in multiple overdrafts when the mistake should have been limited to one.

Thought it was bad enough that Wachovia manipulates the posting order in order to result in the highest number of unavailable funds/overdraft fees. Also, thought that charging $0.59 to change the pin on my wife's atm card is a bad practice. For them to then not tell my wife that there were not sufficient funds to cover that transaction is the worst. Also posting for that day were 2 non-suficient funds charges ($70 total) even though the only charge that was over limit was the $0.59 charge. Asking a customer rep there were no refused checks.

Today March 28th, 2009 at 11 am I went to buy a certificate check to pay cash. A female teller asked me for my drivers license and I told her why did she need to see it for? I did that because I have my checking debit card and the people before me that were light hispanic and white weren't asked for license. Everytime that I go to Wachovia, they see me as a dark hispanic and they immediately ask for ID and I feel very discriminated against. I went to speak with the manager and supervisor and they both ignored me and laughed at my face. I was livid and very enraged!

I had bought a car in march of 2007: Wachovia Dealer services is whom I had financed my loan through. In the regard of my interest rate being High, I decided to refinance my car loan with a credit union. I refinanced on the 21st of Aug. 2009. The credit union sent out a loan payoff check in the amount of 14,975.00. I called Wachovia on the 18th of Sept to check if they had processed the loan payoff check. In reply they said my account was still active, and that they had not received the check.

I notified the credit union and they put a stop to the check worried that it had been lost. The credit union then sent out another check of the same amount. However, I received a letter from Wachovia dated the 22nd of sept stating that they recived the first check on the 18th and my account had been paid in full. We wouldn't have put a stop on the check, if we had known this.

Since this time I have received numerous calls from Wachovia simply asking if I would be paying on my account. I had to explain everything over and over again as to what was happening and why I had not payed on my account. They obviously knew what was going on and therefore I should not have been receiving these calls. Now I am being told that the loan payoff check would not be enough because of interest that has accrued on my account since then. Wachovia received the first check in plenty of time to pay off the loan and because it was not processed in time I am not going to pay the penalty.

Requested in August 2009 to receive copy of contract in full before I make a payment but I never received the contract until October 26, 2009. Only demanding payment for a contract that I never received copy of. After requesting copy I was never given chance to refinance or catch up payment. Had taken legal action against me and is going to put vehicle on my credit.

I have been with Wachovia Mortgage for a few years now and am very disappointed in the lack of professionalism in response to my inquiries. In February of 2009 I started a new position after of more than a year of unemployment, which ultimately due to the length of unemployment I was forced to de-cleared bankruptcy. On August 1st 2009 my bankruptcy was discharged.

I contacted Wachovia the beginning of July 2009 to discuss the possibility of me qualifying for the loan modification plan that the government put in place. Wachovia said that my bankruptcy had not cleared through them as of yet and it could take up to a month and a half for it to clear. I waited a month and a half then called Wachovia in the middle of August and to my surprise they told me they were so busy it could take up to a total of two and a half months for my bankruptcy to clear through Wachovia. They told me my case, like all other cases were put into a cue and would be worked on in the order they were received. I called back about every two weeks and I was told the same story. It has been almost three months since my bankruptcy was discharged and Wachovia is still telling me the same story, my case was put into a cue and will take approximately two and a half months before it is reviewed.

The last time I called Wachovia I asked to talk to a supervisor or manager and I was not allowed, the customer rep told me they were the only person I needed to talk to.

I feel like I am getting the run around with Wachovia and if this keeps up I will lose the opportunity to refinance under the loan modification plan which ends in June of 2010. Do I have any legal recourse to deal with my situation or am I out of options?

My financial situation is getting to the point where, if I am not able to refinance I could possibly lose my home.

Is there anyone else that is having the same problem or similar problem with Wachovia as I am?

I applied for a loan Modification to my mortgage, which was with Wachovia. I start this prcoess back on June 5,2009. I jump threw hoops to get every piece of documentation that they needed. I was told 30days, well 30 days turn into 90days. Now that well fargo has taken over, my mortgage has in fact now turn into a Wells Fargo mortgage. I still dont have any anwers. I am now being told another 60 days before someone at wells fargo will even look at the application. Plus they told I will have to summit all new documentatio for this application. I feel cheat threw this whole process....

In the meantime I have been paying my mortgage each month and my other bills are not getting paid. I do not want to lose my home. I make sure my mortgage gets paid each month but as a result my other bills are falling behind and my credit rating has dropped way down

I opened a checking account with Wachovia in August 2007. I opened a second checking account in 2008 as a back up for savings. The accounts were in good standing. On August 28 2009 I went to the branch ATM to withdraw some funds from the back up account to place into my usual checking account as funds were low although NOT overdrawn. The ATM said I had zero funds in the back up account. Imagining that I must have accidentally spent more money and used the wrong card I believed I had no spare money to transfer. Consequently my husband and I had absolutely no money to live on for the next 6 days.

On September 3rd 2009 I went to the Wachovia bank to make a check deposit into the low account (now slightly overdrawn as I couldnt transfer any from my back up account). I was shocked when they told me $270 bank fees had now been added for being overdrawn. So I mentioned to the teller that I was sure that I had more than enough funds last week in the back up account that I wanted to transfer and she checked and confirmed in fact I DID have funds then and they were STILL in there and they could have been transferred sparing me the $270 charges. She said it was likely my user error the week before and I had put the wrong card in the ATM.

Knowing I had NOT done this I immediately went back out to the ATM and confirmed that it was not MY error and the back up account STILL read zero despite funds being in there. I went into the bank and had the financial advisor who set up my second account come out and see the ATM error for himself. He did, and confirmed it, then went back inside and corrected the error on his computer. There was no apology and no discussion about what could be done to help me or who I should contact myself. He told me he would be able to get the fees reversed and he would see what he could do. I was to come back the next Saturday morning, which was his last day at that Branch.

I went straight back as arranged and he looked surprised to see me. He was not as helpful as he had last seemed to be. He said he would send an e mail to the regional manager but that they didn't get along too well so he could not be certain of resolving the fees despite the bank error. He said, they would say it was my responsibility to know what was in my account at all times and I should not rely on the ATM but check my online account. (I have since found out Wachovia does NOT promote reliance on online accts. either - so what can we rely on?).

I left the bank feeling very let down and with a chunk of fees that would make a large dent in the check I was depositing thus leaving us once again with insufficient money to live on. So much so that because of the wrongly applied fees of $270 we couldn't even buy a loaf of bread during that next week.

A week later and with no word from my financial advisor at the bank or word back from his regional manager. I went back into the bank to see what was happening. The teller telephoned the financial advisor, now located at his new branch. They put me on the phone and he said he should have got back to me but didnt and that he couldnt do anything as the regional manager wouldnt help, and he had gone ahead and refunded a minimum of $45 instead of $270. I was again very disappointed that he did not think it important to tell me this or contact me via phone or e mail as we had done several times before. More importantly I was dinged for $270 charges through no fault of my own due to a bank error and I was only getting $45 back for all the hassle and domestic hardship it caused us at home.

Without the $270 in the account, albeit a relatively small amount it snowballed. I then went overdrawn again when my next check deposit was swallowed by more bank charges BEFORE my direct debits were paid. This left me with slightly insufficient funds once again and even more charges were added when the direct debits went out. BUT FOR the charges I didnt spend more than I deposited. Despite depositing sufficient funds into the account the escalating and excessive fees made sure we were kept in a constant state of hardship unable to pay for our basic needs, car insurance, gas bill and food etc.

By October 10 2009 the bank had added a total of $1050 charges (less the $45 refund) , all starting from THEIR error. I stopped using the account. I called the bank's hotline number and was put through to a Financial Analyst who was very helpful. She said she could refund $100 but that the Branch manager should have done much more to help much sooner and so should my financial advisor. The financial advisor had not placed any notes of the bank error on my account, so they had no proof and so she could not remove more of the fees at that time.

We tried to call him twice so he could confirm the bank error but he did not answer. I did what she said and went to see my branch manager directly. He said he would need 2 days to go over my account in detail but that he could already see what had happened. We arranged that I would go back on the Friday giving him time to help me.

I went back in on the Friday October 16 2009 and he had done nothing. Instead he called the financial advisor at his new branch they discussed that I was there to resolve my account and between them they DID NOTHING at that time. The financial advisor said he would contact the Financial Analyst to confirm to her there had been a bank error so she could reverse more fees. I did not hear back from the financial advisor again for a few more days, and did so only when prompted by a courtesy e mail follow up from myself. He simply said he had sent an e mail to the relevant Financial Analyst I had spoken to a week earlier.

At no time was there any apology or sense of urgency despite charges being incurred and my account being overdrawn - placing us, and they knew it, in a NOW dire financial predicament. Nothing happened as a result of his e mail to the Financial Analyst. I was now in a situation were I couldn't use my Wachovia account anymore and could not place any deposits in as they would be taken by the bank in excessive charges and we would be starving and destitute. I had to then go through the hassle of cancelling direct debits from that account. They had charged me $30 fees for a $2.95 Skype direct debit.

On Wednesday October 20 2009 I received a call from the Wachovia Bank Recovery Department who said they had until Friday to resolve my account or it would be sent to another department and then I may not be able to get another bank account ANYWHERE for 5 years. I explained everything to the lady and she tried to help me. She said because of the error, and now she could see it on the system, she could refund $180 only.

I was grateful that someone at last had listened but it was nowhere near what the accrued total charges were or the immediate charges I incurred of $270 when the bank error was present on my account. She advised me to call yet another department Customer Services and she kindly gave me her own direct line to get back to her before the Friday deadline.

After being on hold for 15 minutes with Wachovia Bank Customer Services, I was cut off. I had to call the Recovery Department again to be put back through to Customer Services AGAIN. This time I got a name and a direct line with extension and the assistant was very helpful. He took notes and listened to how the charges started due to the error and escalated. He said that he could refund $270 for the initial period of charges but that once I had made a check deposit (briefly making my account good, the charges after that amounting to $750 he could not resolve despite being able to see it was definitely a snowball of excessive fees continually being added). He also emphasized that the Financial Advisor and the Branch Manager both could have done A LOT more to help and direct me and to expedite the help I needed to prevent escalating charges.

So I had a Financial Advisor that could give me $45 saying that was all he could do without further help, a Financial Analyst that could give me $100 (pending details of the bank error), a Recovery Department that could give me $180 (with 2 days to act) and a Customer Service Department that could give me $270.

Even if they all could compensate me for the Wachovia Bank error and the consequences of the Bank's mistake it still wouldn't meet the total of the $1050 bank charges I have endured not to mention the upset, of both financial and personal distress and embarrassment--AND a 2 day deadline to resolve my whole account with the threat of never being able to have another bank account for 5 years. Can anyone advise on this predicament urgently please?

I had $5.97 left in my Wachovia checking account when an online transfer from another account (different bank) in the amount of $100 was made. On my online statement, the last three lines show: my $5.97, then $35 insufficient funds Fee taken out, then the $100 credit - reduced to $61 after the fee was taken out. I called the bank, confused as to why they charged me with an insufficient funds fee when my balance was in the positive AND a $100 deposit was "processing". I was told that there was a "pending" debit in the amount of $8.92 which WHEN IT PROCESSED would put me in the negative, thus the Insufficient funds Fee (IFF).

That $100 was for my son for diapers and food. I'm on disability, I have a very limited and quite fixed income, and to have the bank take out $35 in fees unjustly is sickening. I hate this bank, and I'm closing my account, and my sons savings account. At this point I'll feel safer with my money stuffed under the mattress.

my wife and i where past due on our auto loan with this company Wachovia these people called the very next day I made arrangments to make the payment but late. I have made almost all payments online. I tryed to make a payment it would not go threw (not the first time) it happened befor and I waited for an hour or the next day i tryed again same problem i waited a couple of hours tryed again this time they raised the min. payment from 482. to over 900. dollars i called the person was very rude befor she even knew why i was calling i tryed to explane to her i tryed to make payment on computer she said i was behind and i would have to make the 900. + payment or the would come for the truck.

i made the past due payment and had to make a second payment they would take out at the end of this month or nothing.my point is that even with this stupid arrangement Wachovia called my wifes work i did not know they could do this, calling your work ,using strong armed tatics,threating to take the truck. emberasment at work herassement with so many phone calls 17 in 2 days time

After being diagnosed in May 2008 with Heart Failure my life turned in to a nightmare. I was fightinghard to save my home, my my family andmy life! I have a 2007 Mazda 3 financed through Wachovia dealer Services. I was always honest in regards to late payments and stuck to all arrangments. In Septemeber I was hospitalized and my car was put on repostatus. I spoke with Tifanny who agreed that if I made 2 Payments on 9/2/09 Iwould have 30 days to make the next payment and avoid repossession.

On the 28th day I woke up to my car being repossessed. When I called her Supervisor"Vincent" decided that due tomy payment history they were taking it anyway. I have just won a settlement with Social Security and assured him that things will get better he was abrupt and unwilling to bend and hung up. 2 days later I get a letter saying that I can't have my car back unless I pay $16K and that I didnot take proper car of it. They referred to an insurance issue and warranty issue which were all corrected before they took my car. My health is declining again from all the stress. I just got sickandfelt it warranted a bit of understanding. Now I have no reliable transportation to get to Doctors appointments. All of this after 2 previous loans in good standing and paid off in full!

I just suffered the ignominy of watching my family minivan be repossessed. Yes, we had suffered financial downturns and yes we were behind in our payments. However, when trouble first started brewing on the horizon, I attempted to negotiate some sort of alternate arrangements with Wachovia to get through the rough patch. EVERY representative I spoke to was curt, dismissive, and essentially gave me the "pay everything or else" message. When I told one particularly rude representative that his tactics and tone were insuring that I would never do business with Wachovia again, his response was "Well, with your payment history, we wouldn't WANT you as a customer." (Of course this was after soaking us with a 15% used car loan!)

Funny, but when my WIFE called a few days later, she was given some latitude and we were able to make a couple of partial payments until another financial downturn.

Finally I had to send a cease-and-desist order because they were calling us 8 - 10/day from 8 AM - 9 PM.

A recent NY Times article highlighted that -- much like doctors who admit mistakes are less likely to be sued -- when financial companies who treat their customers with a modicum of respect and understanding generally have been able to recoup 90% of overdue debts as opposed to the 40 - 45% recovery for the "hard-ass" collection agencies.

The rep I spoke to as the repo man was hooking up the car said "Once you sent us the cease-and-desist order" we couldn't talk to you anymore -- which is a blatant lie. The law says they then have to stop CALLING (which they did cut back, but did not stop) and must use WRITTEN CORRESPONDENCE, which they did not.

If a utility company can send you a statement in an envelope with a red stripe to alert you to an overdue account, why can't a multi-billion dollar bank (a recipient of TARP funds, no less!)

Finally, to add insult to injury the repo man informed my that Wachovia is BRUTAL in their tactics. When I said to him that my family was stressed to the point of contemplating telling Wachovia to TAKE the car because they would likely get $5, 000 on the $11, 000 note we owe. The repo guy then added, "Yeah, but then they'll go after your house" -- to make sure they make a killer PROFIT. Not a reasonable value for the vehicle but the sheer (high) interest profit.

Today I got a reality check. Wachovia took $1016.70, from 'senior citizens' savings account, because her daughter was behind on her mortgage, even though 'senior citizen' is not listed on daughters' mortgage. Did they have this right? According to Wachovia Bank, they did. Is this a joint account? No. Are they going to return the money to senior citizens' account? No.

How did this happen? It can and probably will happen to many of you who hold bank accounts of any kind, with anyone, at any bank. It apparantly is common practice with most banks. We checked, Wachovia is not the only bank who uses this practice and its done many times over everyday.

In 2008, senior citizen opened a Savings account and was advised by the Wachovia rep/employee to add someone to her account in case of an emergency. She put her daughters name on her account; the daughter did not sign anything, she was not there. Senior citizen, retired and living on a fixed income, refinanced her home for much needed home improvements, cashed in some securities and the money was deposited to the savings account.

The (bank) Wachovia, pulled a 2 year old signature card from the daughters personal and business accounts and transferred it to include senior citizens' account. Then, they "linked" all the accounts together. Without knowledge or permission from senior citizen, the daughter or son-in-law.

Now, Wachovia used "execute the bank's right of offset" to make it okay for them to remove this money from senior citizens account to bring the daughters mortgage account current. Then, they informed by mail daughters husband, who is not on senior citizens account that this action had been taken. What just happened to confidentiality of senior citizens account information? What it translates into for us who don't know 'bank talk is, if you don't pay us we will get it somehow. And they did exactly that. Got it somehow, took it from senior citizens savings and said that it was their right.

Are you one of those persons who has for whatever reason any name on your account other than your own? Do they have outstanding debts to that bank, like mortgages, equity lines, checking or savings accounts? Maybe that emergency person has bad checks out, the bank will remove what is owed from any account with the name of a debtor. Are they on any account in which you rely on money from a check that is (other than social security) direct deposited?

After repeated attempts to resolve this matter satisfactorily, Wachovias Retail Credit Collection did not seem concerned nor willing to work with them. Once again stating that "it is our right to remove this money no matter who elses' name is on that account. Did they reach Corporate or Executive offices? They were told that they had & there was "nothing we can do, it's out of our hands".

Senior Citizen & her daughter have closed all their accounts at Wachovia. They are in fact telling every person they know, from old business contacts, former employers, family, friends, school teachers, church members or just some guy in the grocery line what happened to them. That's just a start, in person, face to face or on the phone. However, its the computer age of instant messaging and open forums, thousands of websites to visit & advertise what happened to them, the process that the bank used the take money from someone elses account. Someone who does not even owe the bank any money, the next someone could be you.

this is in fact what I had intended to publish if I am unable to resolve this matter for my mother, who is 'senior citizen' and wants to reamain anonymous. She felt that there would be other repercussions from the bank as regards her accounts. The mother is unable to pay the bills for which the money was obtained in the first place. Therefore, her repairs to her home are being neglected.

I have a mortgage with wachovia. In march 2009 I was late on my payment. Wachovia went into my checking account and took ALL my money leaving me without $0. This caused overdrafts and pulled $700 from my credit card. The same day I had also sent in the money. I asked for 1 payment back and was told "no" that payment will take care of next month. I have no paperwork showing I signed anything allowing this to happen and they took it without warning ruining my credit and leaving me broke. I spoke with Brian who talked over me and claims they do not have the form I must have signed I would need to go to my branch. I requested he have it sent and he refuses and is very rude on phone claims I am just complaining because I do not want to pay my bills.

I was repeatidly charged overdraft fees after I had removed the overdraft protection from my account. My online statement said funds were available, however every time my direct deposit is due to clear my account Wachovia has added numerous 35.00 overdraft fees to my accounts stating that there were charges on hold that the online acct does not show. The online statement has an option that says "view holds" this section was clear however I was still charged 105.00 of fees. This is an on going occurance that always happens 2 days before my direct deposit. I was told there was a block on my card that would stop any transactions from being processed in the event there was not fund available, and also they formed a secondary acct to hold money that they are suppose to draw from "way 2 save" in the event of an overdraft which the have not been doing either. This is fraud.

I called the Wachovia customer service and they told me that I had things on hold those days. Well she was right but there was enough money in the account to cover those transactions. I talked to a manager about this situation and she told me to get a calculator out and we will go over the transactions. I told her no on my online banking sheet it shows me line by line that i never went over. She says things went in at different times and that it would not reflect correctly on online banking. So I asked her to send me a sheet that shows me line by line where I went wrong. She replied with "no". I was shocked. I asked her did you just tell me no? You cant prove to me where I went wrong? She told me she was not going to send me anything.

So now on the 15th of Sept I got charged $140 in OVERDRAFT/UNAVAILABLE FUNDS FEE when I had $13.43 in the account. I promptly went down to the wachovia branch and spoke to someone. I talked to the representative about the charges and she basically refused to go over the 1st charges. I repeatedly told her that the reason for the second set of charges was because of the first charges but I was confused why I still got the second set of charges because there was enough money in the account both times. I asked her just to close the account and she denied me because there was $3 left in the account. I told her to keep the $3 and close it out and she did not.

So now with the account still open I have gotten another $210 in NSF/overdraft/unsufficient fund fees. I have several automatic debits coming from this account. I went down to another wachovia branch to show me what was going on. I had to leave my phone number and my printed out online banking statement as the branch manager was busy. She never called! I went back the following day and spoke to the assistant branch manager and she went over the transactions. She said that some transactions were on hold and there was not enough money in my account to cover them.

I went over each one she said went over. All of them went through with plenty of money in the account. She told me that the online banking is not a way to manage my check book. I told her no I keep a register and manage my acount. I told her that if you look at my online statement I never go over until the fee's are accessed. She says that the online banking is not accurate. I asked then why do you promote it on the internet, radio, ads, etc? She replies with thats why we have disclaimers. I once again was shocked! She denied me any refunds of the fee's and could not provide me a line by line detail of how the transactions went through. I asked her to have the branch manager contact me.

The following day at 4:15 pm the manager had not called. At that time I called the branch to speak to the manager. She told me she would have to review the account. I said what? I asked for you to call me back 2 days ago and you havent looked at my account? She says no I can contact you tomorrow. So this last part happened to day and I will await her call tomorrow.

I guess my first question is I have been told several times that i have been charged fee's before the transaction (on hold) and after the transaction went through for a total of $70 for 1 transacton. On top of that they didnt even pay the transaction. Is this legal? My second question when I asked them to close the account and they didnt should I be responsible for the $250+ in fee's they gave me? $490 in fees

I made a phone call today to Wachovia to find out how I could be charged so much money in overdraft fees for 3 transactions that went through my account. $70 before the transactions went through and $105 after they went through. I figured there had to be a mistake. According to them it is not. They charge for when the card was ran and the funds weren't available and then charged again when the transaction went through. I don't understand how this can be legal. I know that I made a mistake on my account, I wasn't even after getting those fees back.

However, I wanted the fees back for hitting my account twice and they told me I don't qualify. I would really like to find out if this is legal because I feel that it is wrong and unethical. I put money in that account every Wednesday and don't have any problems with it. I am human... I made a mistake and didn't keep a good record that week... Should they legally be allowed to charge me twice for it?? Once I can open a new account and can get my auto deposit switched I will be closing the Wachovia account and I will never recomment them to anybody. I will however be sure to inform all that I can on their poor customer service and their shady fees. Please contact me and let me know if what they have done is legal. Thank you.

I am just getting frustrated every time I make a deposit into the bank, even when the deposit is from a Wachovia check, that the deposit says effective date, but it really is not. I have a deposit slip stating calendar date 9/29/09 and deposit effective date 9/30/09. But I went to us the money and it was a no go. I called Wachovia in Charlotte and they said that that is the deposit effective processing date. But my deposit slip does not say "processing" it says deposit effective date. I guess Wachovia thinks we are all idiots and so we are suppose to read between the lines and assume that "Deposit effective date:9/30/2009" means"Deposit effective processing date:9/30/2009- translation you won't be able to touch your money in yet another day, so we can hold it and make more interest on it!

Firstly when I set up an account with Wachovia, a personal account to hold my little cash that I make each week, I expressed interest in implementing a program on my account which would prevent me from making purchases if I did not have the amount needed to cover them. They informed me they didn't have such a process and directed me to open a " Way 2 Save" account instead w/overdraft protection. They also failed to inform me of any fees I would be given if I had to use such a "transfer". For the past 3 months I have had extreme difficulty with them and overdrafts on my account which should have never happened. Firstly all of my transactions from 13 days to 5 days ago posted on the day that I decided to withdraw money from my bank account, which as far as I knew from calling the bank and checking my account, I had the money for. Of course they decide to post all my transactions once I withdrew the money causign me to go $175 in overdraft fees on 3 and 4 dollar purchases. Recently I heard on CNN that Bank of America implemented a program to stop the customers from overdrafting their account and I informed them that I would be using their services and closing my account. The rep , today, told me that they have "HAD" such a program offered from Wachovia. Magically I guess tis program appeared overnight b/c as far as I was told, they didn't offer this service. I spoke to what they would call " an accoutn specialist" more like a wench who told me my account didn't qualify for a courtesy refund b/c the bank didn't mess up. Really? I know they did. I find it disturbing that they do this sort of thing to gain more money in fees and slam us over the head. If something could be done please contact me.

I had two perfectlly functional accounts with wachovia bank that included "a way to save account", and Checking account, which provided free overdraft protection. On 8/20/2009 representative Melissa Chulo set up a personal savings account for me but excluded the fact that I would be accessed ten dollars for every transfer from this account to my checking account.I phone the costumer service line and expressed concerns. I spoke with representative "Melin" who credited sixty dollars to my checking account. I then expressed concerns to her that I have used my debit card as a credit and many of the purchases probably can not be seen by her at that time. She insisted that I would not be accessed these fees but once I received my welcome pack it would explain the terms to the personal savings account and to be careful with account balances from that point. She stated that the packet would arrive within five to ten business days. This is the seventn business day and I have been accessed additional fees.

I then inquired about closing the account due to still being accessed these fees after speaking with another representative without having the account information, but was informed by a supervisor "Mallory", after speaking with "Zack", that I would need to leave a message on the voice mail of Melissa or Melin's phone and that I would be charged twenty five dollars fore closing the account at this time. I feel that melissa C set this accout up for commision and did not evaluate the previous accounts. I also believe that wachovia bank is not truly monitoring the calls as they would have customers to believe, because if they were, agent would not be able to set up accounts that are not in their customer's best interest. Instead these accounts are being established and used as a legal way of swindling people out of hard earned money!!!

This was an attempt, on Melissa's behalf, to boost her ratings and maybe comission because as I stated before, I had two perfectly functional accounts before 8/2009 and was never accessed overdraft fees on either account for the duration of the accounts before this date. When I expressed these concerns, the supervisor seemed to agree with me but did not waive the fees due to "rules" in a welcome packet that I still have not received. I know that everyone has rules, but, when a customer has been misled and it is evident, that is where the exception to the rule comes applies. I want to close all accounts with wachovia bank without penalty and I assure you that I will NEVER request another account.

cashed, a week and a day after it was received.

charge interest on a payment they have received (which we have proof of).

We have not contacted anyone else but Wachovia in trying to rectify this

situation. No attorney has been contacted and no legal action or court cases have been filed.

that it was received, but not applied to our account.

About a month after arriving in VA I started getting daily calls, sometimes two a day, from Wachovia's 800 or 866 #. I called thinking they wanted to know if I still wanted the account to remain open but I was told that I had $23 (so far) in monthly charges...not overdraft fees.

When I explained the situation they told me to call customer service and ask for the fees to be waived but when I did I was told they weren't monthly service charges but an overdraft fee.

The thing is, when I told her that I hadn't made purchases a week or more before leaving and had kept track before pulling my money out she told me that when I pulled it I still had $156 in my account. The branch told me it was at 0. Then she rattled off a bunch of debits that had come in after my bringing it to 0 but said I was only charged one overdraft. It didn't make sense and when I told her that she changed the subject to a change of address I had made. WHAT?

I don't know what that would have to do with anything even if I did change an address, which I didn't. I was at the same address that I opened the account with. I asked the old address and she said it had been removed. I believe she was just trying to change the subject because she was making no sense.

She said the account remains active,even though, once again, I asked to close it and get it in writing. She said I would have to speak to the original branch in TX to figure it out and recommended that I make a deposit here in VA to cover the $23. This was the third call and I'm getting nowhere and now they are stepping it up and calling me numerous times a day.

I have been trying to find out how do they charge for the overdraft nobody can explain to me. And there shouldn't be any overdraft charges because I had money on the account but no, they trying to tell me that I didn't have money, online banking service is working terribly! When I call them they telling e dates that I don't even see online, they are charging me overdraft for the transactions that I definitely had money for! Then they trying to tell me that they don't update the account over the weekend then why are they charging me for it?

Its been a couple of time when this happened I was patient and still couldn't prove anything, even supervisors don't want to help.

So I need your help please to get to the bottom of this story. Either they need to change their system or Online Banking system and give me my money back, or I'm gonna press the charges against the Bank, because they are steeling the money from people legal way!

I had an issue with Wachovia Bank this week. I deposited enough money in my account to cover everything I was paying. My insurance company went in and took a payment which they should not have. That caused me to overdraft and another check to be returned. I had to pay that bill so I called the bank to verify that the check was returned. It was, so I took the cash out of my account and paid the bill. Wachovia went ahead and cleared the check after they already returned it and charged a fee. Now, that caused my account to have numerous insufficient fees and overdraft fees and returned item fees.

The other Bank kept resubmitting the checks so you know each time that sa fee. I have over $300 in fees. This is outrageous. There has to be a law against this. I dont know what to do and how to do it so thats why I am writing this letter. Please take some time to look into the banking system and pass a law against this. I know you have a lot of other important issues to handle. However, please take some time to see if there is anything you can do to enforce this law.

advise me on the situation asap.

Sadly, I was a victim of signing up for a private student loan without ever being told by the institution that I was at the mercy of the interest rates and payment plans set forth by the private loan issuer, Wachovia.

With that being said, I have been out of work for two years and managed to continue to make full payments to not only the private loan, but to a government loan as well.

Keep in mind I have never missed a payment and I have always paid on time.

In June, 2009 I was granted forbearance of the loan, but only through August.

It is now September, 2009 and I requested an extension.

Although actively seeking work and really hope and pray for a full-time job by October the latest, I can't guarantee I will be employed by then.

After speaking to Alyssa first then her Supervisor Sheila, then her Supervisor Jeff, I received the same runaround.

They all told me that under Wahcovia Guidelines I have to pay 3 months worth of payments in order to request another forbearance.

Didn't they just hear anything I told them? I am out of work; I have no source of income. I have been paying consistently on time for several years at their outrageous interest rates that fluctuate month to month. Yet, they refuse to work with me on a solution except to lower payments to $98 per month.

Whatever happened to customer service and working with a customer to help them in economic hardship?

They kept saying, "I understand." They do not understand; they have no clue what it is like to all of a sudden lose your financial independence and then they don't even want to bend the rules to work with you.

Their practices are unjust and unfair; why can't they just grant me another two months? Honestly, what would that hurt? Someone explain to me in detail how that would hurt them?

Believe me, when I get a job, I plan to send payments immediately; I don't want to be stuck with this private loan for the rest of my life, however, I would like some help in the meantime.

September 14th I had $251 in my checking account. I had made 10 purchases that amounted in the amount of $261. 5 out of 10 transactions could of been covered on the 14th. Instead then took out $140 in overdraft fees, on the 14th. Then they let all 10 transactions go thru the account, on the 15th of September. Then hit me with another 10 overdraft fees, which I got with with $490 in overdraft fees. When yea my boyfriend and I made the mistake and made 5 more purchases after the first 5. Although we had more then enough to cover the first 5 transactions they didn't see it that way.

I spoke and delt with 5 people today and they stated that the way Wachovia works is, they total up all of the transactions if that amount exceeds the avaiable balance they will then issue you an overdraft fee for some of the items. Then the items process, and then if you don't have enough to cover thoses items after they posted they will hit you again for the overdraft fess.

So not only did I have more then enought to cover 5 outta the 10 transactions I double paid on over draft fees, because they hit me first with overdraft fees and then they hit me with overdraft fees for all of the items again.

So when my boyfriends direct deposit came through we were in the negative. All of the Wachovia personel stated that all banks work that way they add up all of the processing transactions then subtract that from the avaiable balance then hit you with overdraft fees if you don't have enough to cover thoses transactions then they subtract the transactions and thoses can't be covered then you get more overdraft fees. Which is a bunch of bull crap.

There was more then enought to cover 5 out of then 10 transactions. So instead of 14 overdraft fees I should of only gotten 5 but that is not how Wachovia operates. Wachovia just wants to scam everyone out of there money so they can save their asses from debt due to Wells Fargo being apart of their company.

I would not recommened Wachovia to anyone ever. I have delt with other banks in the past and never had any problems with them. So now I closed out my account and have to get a new account some where else. With little too no money due to Wachovia.

My account has been hit with thousands of dollars in fees over the last yer that I have been with Wachovia. Some have been my fault and some have not been. The last time was the worst. In a 2 week period, I have been hit with 420 dollars total on one account. The reason? Firts 2 transactions posted to my account. One for 3 dollars in change, and one for 10 dollars in change. The one for 3 dollars was made on a Monday and the 10 dollar was made on a Tuesday. I had 11 dollars in my account. The charge from Tuesday was posted first and so I was hit with 2 35 dollar charges instead of 1.

Then get this, I was hit with 70 more dollars the next day. I was told because the 13 dollars was on hold and another charge came through which caused them to have to take the 13 off hold and use towards that purchase. (Even though there was enough in the account to cover it.) Then my direct deposit came through. I scheduled a 369.16 car payment with Captial One on the 10th. I also made other charges on the account including my cell phone and other ods and ends. This was all done on the 10th.

Well I had a second checking account that was overdrawn in the amount of 97 dollars that I was slowly trying to offset. On the 11th, Wachovia performed a "Right to Offset" transfer on my account. I didnt know this was coming and had already made multiple charges on my account. Guess what happened? Wachovia posted the transfer to my account 1st and then all the other charges after that even though they were made a day before. So I was charged 280 dollars of NSF fees on top of all that. 280 dollars of fees that were charged because of the transfer made by Wachovia(well within thier right) but with no warning whatsoever. So my account was 398 dollars in the whole. And out of the graciousness of thier hearts wachovia gave me a grand total of 67 dollars back.

Of course my direct deposit will hit tommorow and we are back at the same point again. Not enough money to take care of my bills and my family. 420 dollars in fees for a couple mistakes that total less than 50 bucks. I have countless issues like this with this bank. This is just the worst one. This is the worst bank I have ever encounterd in my 30 years on this earth. Very disgusted. My only recourse is to file a complaint with the complaint dept which I have to mail in and wait to hear back from.

On sept. 15th AFTER my payroll check had gone through they deducted my account for another $70 when there was clearly enough money in the account. They are robbing their customers! Needless to say, because of the $560 they stole from our account, we over drafted on checks that were out there because we weren't planning on our bank to steal a total of $560. NEVER deal with Wachovia...they will rip you off!

On August 18, 2009, I went to my local Decatur,Georgia Wachovia Branch at Chapel Square. I closed my account without issue because it was supposedly a simple procedure. However, they allowed an unknown to me point of sale draft to go through for $7.30 AFTER my account was closed. This $7.30 draft was from a life insurance company--US LIFE--which is another complaint entirely because they used subterfuge to get my business becaue I have not located any paper work wherein I signed up for life inusrance.

Back to Wachovia: They any now calling me with threatening calls daily and sending letters saying I owe them $52.30! After visiting the bank manager, I thought they would see that I was a victim of US LIFE and return my account to a closed status. But no, they berrated me. I also questioned them as to why they did not notify me of any pending transactions when they initially closed my account. In addition, since the account closed any further deductions should have been denied.

I have sent in any and all forms that they have asked for to only here that that help is not available. Each time I call to check in they say that they are still waiting for the guide lines for the new program because the guidelines have changed.

I received (2) $35.00 NSF fees on my account. On the printout from the Wachovia website, I had a $13.85 positive balance, the next line is the $70.00 NSF and the only pending transaction is for $8.15. There was no negative balance which should constitute any NSF fee. The fee is what made me have NSF. According to what I'm looking at on their website I should have a $5.70 positive balance. They took the $70.00 before they applied a deposit but by their own website I wasn't negative to begin with.

The manager J. Hippo refunded $35.00 to my account and said that the website is not 100% up to the minute and that another $8.00 transaction is what made us go NSF but it is not reflected in their website. She said in 24-hours it will update and show what we were negative. The transactions and the deposit all happened the same night but they put the transaction on 9/8/2009 and the deposit on 9/9/2009 assuring that I was NSF even though right now it says I'm not. They reordered the transaction and deposit in a particular order to make it possible for them to charge me that fee.

My wife and I are both unemployed & I receive unemployment compensation, she does not. The $70.00 is equal to (7) night's dinners. We budget for $10.00 per meal for us and our two teenage daughters.

I have a 15-year fixed rate mortgage with Wachovia (originally from SouthTrust Bank) for the condominium unit since July 2004. I was never late and I usually paid significant amounts in additional principal payments, so I think they should consider my as one of their best customers. I was also happy with their service, but not any more.

Recently Wachovia sent me a letter informing that amount of flood insurance my condominium association has should be the same as replacement cost of the building placed on master hazard policy. They determined that it is not the case and I should obtain insurance for the difference. I learned the following during my long discussion with representative from Wachovia insurance department and her supervisor: My association insures the amount of about $1,610,000 in master policy per 10-unit building as the replacement cost, but flood insurance is for the amount of about $1,390,000. The difference between those two amounts divided by 10 is the amount I have to insure on my own according to Wachovia (exactly $21920).

It turns out nothing changed on in a way my association insures buildings, but this is a new requirement from Wells Fargo which is taking over all Wachovia loans on 10/6/2009. Wachovia insurance department supervisor was not able to explain logically why I was required by them to get insurance in August, while she told me that new requirement would be effective in October.

But this was side issue; my greatest complaint is the validity of this requirement. According to Wachovia's own calculations my condo unit has now flood insurance in the amount of about $139,000. Both the price I paid for the condo and current market value is much lower and the amount I still owe is about 1/3 of the current flood coverage.

I don't understand why Wells Fargo/Wachovia forces me to have even higher coverage at my expense. Just to add to the absurd of the situation - my condo is second-floor unit. I find this unacceptable and I am gathering documentation in preparation for possible legal action against it. Wachovia/Wells Fargo lost me as a customer; I will never do any bussines with them any more in the future.

The bank kept putting NSF charges on my account--using up all of my cash--and then charging me all kinds of NSF fees which also were duplicated by my creditors. Joe told me that their charges were posted before any payments are put thru. This has caused my accounts to be delinquent and my cash account to be overdrawn. He has ruined my credit and good name. I always checked my balances before sending out checks, but it didn't matter because he would always get an NSF charge in over and over again. The same charges for the same bills, over and over again--even after I closed my account with Wachovia, the charges kept coming. I went to another Wachovia bank to discuss this and the Financial Manager there thought it was alright. I had my SS check sent to Wachovia, a retirement check from Electrolux, and a VA Benefit check sent there. I was not told how and when that money would come back to me.

From 8/31/09 - 9/2/09, I had several transactions that occured in my checking account. I am sure that I had enough money to cover these transactions. However, I was charged $420 in overdraft fees. I was told because I had some automatic deductions, that's how my account became overdrawn. I am researching this situation and will not rest until this matter is resolved. The representative from Wachovia only agreed to refund me $53.

I have a personal loan with Wachovia secured with the car title. The loan was taken in the bank not Wachovia dealership and the title for my car currently belongs to Wachovia since the loan is not yet paid off. I have contacted (came) Wachovia Financial Center nearest to me to request the title to be transferred to their branch since I want to sell a car and would like to come to their branch with the person who will be buying my car so he could pay off the loan and immediately receive the title. So, I walked into this branch and explained the person there in a simple language what I need. Of course I've done my research prior to that and knew that it is possible to do so and also knew basic ideas about how all of it is done.

However, once I finished explaining what I need, I was simply told that these kind of services are not performed in their branch and I should go to a different center. Of course, I believed it and walked out but instead of going to a different center, I decided to spend some time on the phone calling different 1-800 numbers to Wachovia hoping to find out the truth. It did take me about 2 hours but I finally reached the right department and was explained in 2 minutes how simple and easy that is and was given addresses of closes to me branches that do these services. Not a surprise that one of them was the branch I initially went to.

So, I call that Wachivia Financial center again and spoke with some other person who again had no clue what I need and again was just telling me that they do not do these services. I asked to speak with the manager and (how I found out later) was transferred to a tellers Manager. This is just funny! Anyway, that manager's name was Vanessa M. She just repeated that previous two people kept telling me that they don't do what I need. By this time I got a quite well understanding that none of them even understand what it is that I need. Wonderful! This are the qualified employees of Wachovia!

To prove Vanessa that what I need is a part of her job or someone's in their branch job, I had to do a 3-way conference call between me, her and that representative who confirmed that it is possible to transfer the title to a particular branch and knew how to do it. During our conversation, Vanessa was keeping playing the "language game" repeating the same phrases over and over again and treating me like if I am stupid and sticking my nose in her job. I had to become almost rude and start asking her direct questions on whether or not she understands by know what is her job to do! The gentlemen on the 1-800 line explained her in details what is the name and the number of the form and how she should handle it. Finally, after 4 hours on the phone I came back to meet with Vanessa hoping that the problem is solved now and I officially have done Vanessa's job! But no, after all, she managed to fill out a wrong form!

I can definitely tell anyone one thing, if you time is valuable to you and you care of your nerve system - DO NOT EVER deal with Wachovia. You will be treated like a full who does not know anything and just asking for something. I used to have a checking account with Wachivia (5 years ago) and can say that their services were way better. Right now this bank became some king of fishy company which cannot be trusted or relied on.

I sent a wire form my bank to somone but I made a mistake on the account number in the wire form. I found out the wire went to Wachovia Bank to someone else's account.

The wire form shows the name of intended receipient but the wrong account number so the bank should reject it. Wachovia said they will not reject it because the account number exists in their data base. They only look at the account number. They do not care what if the wire name matches the account number. They refused to return the money

I was double charged overdraft fees by Wachovia. There were two transactions in HOLD status and had not been placed in my account as of yet. I was charged $70.00 for these two overdraft items in hold. This was about 4:30 am. When I got home from work I checked my account agaijn. Now the two hold items had been put into my account plus a third transaction. And I was chrged another fee of 105.00 So they charged me twice for the two items that had been in hold.

This is a criminal bank. They will find anyway possible to attach any type of fee they can to your account. They are in the business of stealing money from people like some robber baron. Stay far away from Wachovia.

many times with how money is going people over draft there bank accounts with one or two transactions but wachovia will always find a way to stick it to you by moving transactions around to work to there advantage. like this mouth on the 22 i had in my acc. 145.99 and i paid 74.65 to sprint 'then i paid 10.00 to sprint, there was a hold already for burger king from the 20th, on the 21st i took my kids to cici's pizza for 36.00, on the 22nd i got burger king for 22.54 and the i got gas for 58.00 that same day.

now the total of the things i used my debit card was 201.19- what i had in my acc.which was 145.99 and if u subtract that i would be - 55.20 plus the overdraft fee of 35.00 should be -90.20.

but not to wachovia they floped everything around. they paid for the gas first and moved all these transactions and some more to charge me 140.00 in overdraft fees and i -214.23 under. they do this all the time and im tried of it. what can i do about it..

Here's how they decided to process transactions. Deposits. They add all your transactions together then subtract that from your opening day amount. Then they process them from largest to smallest. Simple right? Well this is where they get you. Let's say you have $100.00 at the start of processing. You have made purchases: Total $110.00. So you are $10 short, so you should be charged a 35.00 overdraft for that ten dollars right? That's how it SHOULD be.

Here's how they see it. You go negitive after the 20.00 transaction. So you are charged the overdraft starting at the 10.00 then the $2.50, and $2.50, totaling 105.00 in overdraft charges. Even though they coulde have sent the $2.50 and $2.50 through and just charged you for the $10 item. The next time this similar thing happened they decided to process things differently.

A week and a half ago I took a trip using six atms (non-wachovia). I had to a atm fee at the time of use. So about three days ago I decide to transfer 25.00 from my other account to wachovia to make sure there is enough money in there to cover anything that might go through. So I check my account today and see that first they push through two purchases leaving my account fine. Then they charge a 12.00 service charge (2.00 for each atm use) for us not using their atm. Because I already paid a fee at the atm I did not know that they too would charge a fee of their own. So that takes my account to a negitive 1.27. Then they post my 25.00 deposit.

Everytime I call Wachovia I am given various explanations as to why their website is not reliable or why I got charged for multiple items and after spending close to an hour on the phone the only thing they ever do is offer a very small portion back. They have taken money of ours that is not rightfully theirs. There website does not show accurate balances. I've even been told that what I see on my computer screen is not accurate!

But I honestly opened this account as a secondary / emergency account and with time I did not use it. When I called towards the end of last year for an update, nothing had changed. The account was fine. It only had $5 in it and I was going to close it. But the representative at the branch said that even though the account was "dormaint", which means it has not been used in some time, as long as it had a positive account, I was fine. And she said that it was better to keep it open in case that I decided to use it in the future.

I had not heard anything from Wachovia Bank until yesterday, August 24,2009. But yesterday I got a letter that stated they have sent me to collections! I was in total shock! I thought that since I have not used my accouint, someone had stolen my identity. The charges were for $54.58. I called the collection agency and the lady was rude and treated me like an animal!

I called Wachovia through thier customer service, and even though the young lady was nice and agreed this was wrong and unfair, due to the hour, she could not transer me to anyone who could help me. This morning I got up and went to the branch. The representative, I believe his name was Marcel, told me that there is nothing they can do, because they sold the account to the collection agency! And to call them back and deal with them! What was happening behind my back? Like I stated, I only had $5 in this free checking account.

But then Wachovia, despite thier re-assurances, charged me a $5 service fee because I had not put any funds into this account. That sent me into overdraft. Then they charged me $5 every month, that I did not deposit money and remained in overdraft. Finally they closed out my account and charged me another $40 dollars! This is ridiculous.

Well, my question to the customer service representative at the Miami branch was simple. Where are the overdraft notices, and letters I was supposed to recieve? Through out this whole process, I swear I was never notified one! Of course he siad they sent them out, but I can assure you, I never saw a single notice. Otherwise, I would have resolved this issue earlier.

Now they want no responsibility with me and expect me to fight with a collection agency? This is unfair. I have done nothing wrong. I was promised something and then put into this situation. I don't make allot of money. I need someone to help me. They cannot get away with this. please assist me. Thank you.

I deposited $1800 cash and a $300 check after 2pm. I knew they held checks but not cash. I went home and it showed the $1800 cash was available. I transfered $415 onto my wachovia mortgage. The next morning, i noticed it took that first and bounced that and three checkcards, charging me $70 in fees (which i had enough money in my account for the smaller transactions). I called and they said even if its cash it is held. The "supervisor" said very rudely it was my error not a bank error that i did not read my terms and agreements and the receipt told me it was not available till the next day. I asked how it could be my error when it said online that i had the cash funds available. They gave me $18 as a "courtesy". A courtesy would have been to give me the entire fee back and fix the online banking to reflect what is actually available. I have never heard of cash not being available immediately. If this is the case, like they say, fine- than charge me one fee for the mortgage, but the way they do it they bounce all the other ones to and slap on a huge fee. I think its sad that a bank does this, especially in this economy. Isn't Wachovia supposed to be number one in customer service? That's a joke

wachovia has pulled this one on me in the past. we would not credit me the 35.00 because they said in the customer agreement the funds should be in the account when a payment is set up. all of my other payments are paid electronically, but it's funny a payment to wells fargo would be sent by wachovia early.

wachovia has held back on my debits and pulls them from my account, knowing that the account would go into the negatives. when i asked a customer service rep why the debits aren't pulled from my account immediately, he blamed the store from where i did the purchase then changed his story and said wachovia was pulling the highest debit first.

i been with wachovia for probably ten years and they really have been changing in the way they treat their customers. shady business practices. i'm recently divorced, taking on the home mortgage on my own. i need a bank i really can trust.

In the past couple of months I have been charged with over 600 dollars in overdraft fees on purchases made a week ago, pending or on hold. I am a single mother of two and have been going through some finanical hard ships. Since I have been with Wachoiva they have not made this any easier for me to provide for my two childern financially. Their system takes out the largest transaction first which puts the account in a negative balance. It conveniently allows them to charge excessive overdraft fees for the smaller purchases.

There system is never up to date which misleads you to believe that you have available funds in your account.I have tried to manage my account online since they say would be the most up to date information, but if a transaction does not appear on their most up to date system are we going backwards in time to where we have to keep our purchases written on paper. I realize that I have a responsibility to manage my account. However, they have a responsibility to not manupilate transactions to their advantage. Keeping track of debit card pendings and holds on deposits/ withdrawals to avoid Wachovia fees, have become such a battle that I will rather close my account than continue this horrible experience.Wachoiva has been the worst bank I have ever had to deal with in my life.

When I first opened my account with Wachovia they ordered checks with my savings account on it rather than my checking. I caught it but only after my employees tried cashing their checks and were turned away, very embarrassing for us and our business.

We have been being charged thousands of dollars on nsf fees because Wachovia takes the debits out before crediting our deposits. We have even gone as far as to deposit money into another bank so we can get cash in hopes that this would help, It didn't. We have tried talking to the people at the banks but they are no help. On top of all this I did some bill pays and because they never fixed the problem from the beginning about the accounts being put in wrong, the computer took all by bill pays and tried paying them out of the wrong account, resulting in them being returned. We called right away but they did nothing and we were charged again leaving me to have to call my vendors and tell them I bounced their checks. Again, very embarrassing.

I can not believe they can get away with this especially in this economy when businesses are doing every thing they can to keep their employees working.

In the last 8 months I have been accessed with more than $3,000 of overdraft fees. Wachovia's bad business practices are consistently unreasonable and the reps online offer small refunds as " a courtesy" but these are often countered by more fees the next day. Their system conveniently takes out the largest check/ transaction first which puts the account in a negative balance. It conveniently allows them to charge excessive overdraft fees for the smaller purchases.

These smaller purchases would be covered by the checking account balance if they didn't take the largest transaction first. I am told that overdraft protection is available but then denied when asking for the option. I realize that I have a responsibility to manage my account. However, they have a responsibility to not manupilate transactions to their advantage. I am in the process of closing my account. I have been a customer of theirs for more than 4 years and have both of my paychecks deposited into my account via direct deposit but are lately losing more than half of my check due to overdraft fees.

Keeping track of debit card holds and holds on deposits to avoid Wachovia fees, have become such a battle that I will rather close my account than continuing this horrible experience. I am shocked to read about many similar experiences but yet the bank is still allowed to continue such practices. I will advise anyone to keep their money away from Wachovia, or they may also be overwelmed with overdraft fees, even if they consider themselve responsible individuals.

I opened a checking and savings account with Wachovia online. My issue with them is that being the account was opened online I was not explained how their savings account worked. I had a deposit go into my savings account and the way the account is set up is that you cannot deposit over $100 per month. So when $1,000 was deposited into the savings account it was taken out and put into my checking account. So when Wachovia saw that this amount could not be in this account, they removed it and put it into the checking account which took my savings account balance into overdraft of over $300 because I had went to the ATM and withdrew this amount. The money was there.

I was given the run around by every department Wachovia have and no one helped me. It took me (2) days to even get a response of "we cannot reverse the transaction'. I was given numbers that no one answered and kept directing me back to a department that say they couldn't help me. No one could see anyone else's notes of the arrangements that I had made to bring the savings account back to $0 balance. I even went to a local branch to try and get this resolved and the Manager of the branch was given the same run around that I was given.

The Manager of the local branch was very sincere and helpful of trying to get this matter resolved for me, but to no avail. Other than him (the Manager of the local branch), I felt like I was being shoved around from person to person, number to number and no one from Wachovia wanted to help me resolve this matter. I am very dissatisfied with Wachovia services and I would never recommend them to anyone for banking business. They have a very poor administrative system, or whatever they want to call it and I will never do business with them, of any kind, ever in life. Another thing that really ticked me off with them is that, it is my account, but I am not allowed to put no more than $100 per month, but they have a department that can go in and take money from my checking account for well over $100. My opinion, this is very bad business.

I have been banking with Wachovia for about 4 years. But lately i have been having problems with them. It started when the bank took $140.06 for a $.06 overdraft. The bank informed me that it charged me for using another ATM that wasnt their's which caused me to go over my account by $.06. The second time was that they overdraft me before i ran out of money.

When i spoke to a manager on the phone he said when over by $139.28. However i told him that i couldnt overdraft because i was following the ATM and online bank statement. Also he told me not to follow those statements because they are not correct because it is not updated as often as the sytem in front of them so i should call in and talk to an operator to have a correct balance. I call on Saturday Aug.8, 2009 and spoke to Carly and Boobie G (manager) about my account because my online account shows that they overdraft me before i was out of money and then overdrafted me again for something that was supposed to have been paid for. I asked him to explain it to me and he told me that first the bank pays for holds and the bank pays for process items. However the online statement showed that the process items were already paid for.

But Bobbie said that the bank paid for two hold items first and then the proccess items and two the process items cause me to go over and the overdraft fees are $35.00 a pieces and than the cost is $17.28. Which brings a total of $87.28 as my overdraft fee. However i shouldnt have been over draft because i had enough money to cover all my purchases. When i add all my purchases, it is less than the amount in my account. However i recieved two overdrafting notices saying that i had had overdrafted. But one of the noices where for the amount of money that Bobbie Green had told me that was paid first out of my account. Which follows the online statement but Mr. G told me that the online statement is not accurate. So the information online and at the ATM do not match their system.

Also i had returned an item and the money had went to my card. When I checked my card at the ATM it showed up but the bank said it wasnt there until the next day. I asked if the bank could check my inquiries and they said yes but their system do not show the amount of money i had at that time. Long story short the bank has been giving me the run around and has refuse to provide valid documentation to prove how their system run differently and that the online or ATM statements are inaccurate.

Also the bank has refuse to show how i acutally overdrafted and the hard copy of all my accesses to my account. And when i went to the Newport branch in Jersey City, I was denied to see the head of the branch. I was told he never comes to the bank and i needed to call him and set appointment but noone answered when i called.

When Wachovia (Wells Fargo) was asked to close my account (lost my job), they refused and told me that I had an overdraft of approx. $2.00. Over time, their overdraft charges grew to be approx. $1,731.20. I recently recieved a letter from NCO Financial systems, stating the amount with no back-up or proof to the conviction.

When Wachovia was asked to close my account (lost my job), they refused and told me that I had an overdraft of approx. $2.00. Over time, their overdraft charges grew to be approx. $1,731.20. I recently recieved a letter from NCO Financial systems, stating the amount with no back-up or proof to the conviction.

I have been banking with wachovia for five years and for five years I have told them that if there is no money in my account to just decline it. Yet for years they ahve been doing it anyway and charging me an arm and a leg so they can do with my money whatever they please. It started with a check being posted that shouldn't have shown up as available yet but did so they charged me for it. And it has just gotten worse over the years.

The most recent being a charge put through for $80 that was not available since the account only had $7 in it since I don't use it because I live and work in the UK. My husband is stationed here in England. So wachovia allowed the money that wasn't there to be taken out. And are now charging me a total of $105 in overdraft and nsf fees. I asked to have them removed explain again my disgust for this system and was told they could only credit me back $26. So I called again to complain and was told that if I had said something the first time they may have been able to do more. But now the $26 has been accepted and there is no more that can be done. Even though I said that the last time I was told the $26 was all they could do.

Furthermore if they sent my mail to the right address, which they won't do I would have been able to correct the problem sooner. But they still can't put my correct address in because I can't verify incorrect information they have listed for me.

On top of this now they are saying that they can make my card decline if there aren't funds available! Magically now they can do that after hundreds of dollars in overdraft fees!

Not one person for their company can explain to me what the money from these fees actually goes towards and why they need it. And when I point out that the truth is that most of it goes towards their companies profits I get silence.

I am often hung up on or disconnected when I call. I have tried repeatedly to find out why if I continue to ask that my card be declined that they can't do it with no good explaination.

I was told that the $80 that I did not want taken from the account since it was not available was taken after someone from their company decided to pay it for me because of my good record with their company. Fine then let it come out of their pay check! I did not apply for a credit card from them and I do not want them extending any credit to me. Thats essentially what they are doing extending credit to people who did not apply for a credit card who do not want a credit card and who certainly don't want to pay such high fees for a service that they neither asked for or wanted! I am tired of banks getting away with this fraud. Something needs to be done and it needs to be done now! I now have an account in negative, money that as a parttime employee and fulltime military wife and student that I do not want to pay and refuse to pay which will most likey effect my credit score.

now I work but not make like before .iven angela toll me y I dont go live with some so I can pay the car or find other job more please I need you help I try to paid the car and is not better for them to do better pyment lower because the economi.can't sleep at nite now no car to work Im 52 years old

At midnight 7/16/2009 my balance was over 3000.00 because I had a direct deposit to be credited that was already showing on my acct balance. At 8am however I had $140.00 in overdraft charges because I had one check and 3 checkcard purchases go through. Of course they ran the $500.00 check which made my balance (without the direct deposit) to low to over the 3 other samller charges. BUT I HAD A DIRECT DEPOSIT SITTING THERE OF $2500.00. They knew the money was there!!!!!!! They had already shown that money on my balance at midnight!!!!!!!!!

I have had this acct for yrs and overdraft was never an issue as long as I had a credit card for them to charge things like this to, but WACHOVIA changed the credit card to Bank of America and I will not open another one with Wachovia. THIS IS INSANE and a very poor practice. However Wachovia seems to be able to get away with this practice without any difficulty. What can we do short of changing banks?!!!!!! When I called the CS person, Joel, was very nice but basically unable to do anything but listen to me.

Wachovia, took and bounced checks when there was money in the bank and then refused to talk to me, actually calling the police. I have evidence, their own online documents that items were paid and then returned to charge fees. To top it all off they have closed my account with out notifying me so that my direct deposit paycheck cannot be retrieved.

I deposited a check into my Wachovia account via ATM. I needed cas so I got cash back from the transaction same day. The next thing I know a couple of days later my accounts with bank hasd been frozen. I was placed on fraud alert because I made a transaction using the ATM and I never deposit checks. This was 1st time. The check was from another business account i have and that bank has caused me headaches as well. Anyway, Wachovia DID NOT send me any letters, mades any phone calls or anything!

I called in to find out what was going on. I then spoke with a James with Wachovia who called the other bank to verify the check and stated there was a problem. Once i got everything straightened with the other bank, I called Wachovia to explain the situation. James flat out told me he didn't believe me and would need to speak with someone at my other bank and accused me of trying to defraud them! Needless to say I felt belittled and insuted for him to call me a liar and a thief, without actually saying it! he (James) then stated he was also recommending closing my account because of this one time transaction into this account! I went into a branch and dealt with some very frienly and helpful tellers who tried to explain my situation, but james was still adament about closing my account. I just tried to go into my account via web and it appears they have closed it out!

I am glad they closed it! I do not want to do business with them ever again!

After canceling an account with Wachovia on the 6th of July. I confirmed that all forms of business was finalized and thereby closed with Wachovia. However a week later, I discovered that they accepted a charge that somehow was made on that old account and Wachovia reopened that account, processed the charge, counted it as an overdraft and at the same time when my HR wrongly performed a direct deposit to that account, accepted that as well and immediately took out the money I "owed" all without my consent or notification.

Myself & wife are senior citizens-- in late 2008 three banks we dealt with had failed --so we decided to place funds in a safe deposit box with wachovia for added security. We placed $20,000 in a safe at this location on 10/02/08, writing checks on Wachovia, then placing cash in safe. We had this box since 1991 and recently entered the box 10/02/09 and then on 05/29/09 decided to take funds out to buy a CD as a retirement fund. My signature card shows only myself accessing the box and all signatures on box are mine. when I signed in was taken to the box and keys allowed safe to be opened only to REVEAL THE CASE AND BOX WERE GONE. For folks like us age 75 plus, this has been a real shocker and nothing has happened to encourage us that our funds will be returned. I have been a 27 yr employee retired in 1985 from national firm, and realtor since then and again retired with a class A credit standing, and until now, never been robbed or defrauded.

Wachovia has no idea how the loss occurred and Roswell Police have closed their file having no leads. This obviously is a gross breach of our contract with the bank as no permission was given to enter the box and certainly not to steal its contents. My wife and I think of this day and night and feel we are being held hostage by the bank, not taking responsibility for this loss of our money --- and obviously has been negligent in its failure of security procedures.

have put us through. More than 6 weeks have passed and each day they prevent us from access to our funds increases their liability.

I made a CASH deposit into my account and they only released a $100.00 of it. They are holdind the rest of it for 24 hours. I have never had such horrible service from a bank. When I call and speak to a representative, they are rude and feel that if I dont like their policy and rules, I can leave the bank and go someway else. Cash is cash, it should be available immediately.

I have sent emails and faxes asking the calls to stop and the phone keeps ringing. The last banker I spoke with over this said it will not stop unless I change my phone number; WHAT? why should I have to change my number to get them to stop calling me, I have proved I am not who they are looking for.

The bank manager on duty at 12:45 afternoon this day, Friday, July 10th 2009 was rude, cold, obnoxious, and insensitive. I currently bank elsewhere, and intended to open an account with you TODAY. SO GLAD I AM NOT doing that anymore, as long as this woman works for you. I also was going to refer my friends, because my sister and I had a wonderful experience at the Westchase branch 2 weeks ago. Well, this woman today, changed my mind. I was too upset to get her name, but she wears glasses and has short brown hair.

What happened: My father passed away. I'm POD on his account. My sister and I are trying to pay his last bills and tie loose ends. As if it's not hard enough to lose a loved one, we have his finantial situations to deal with and close off, as anyone who has been in my shoes before would understand. Well, today this bank manager basically yelled at me through the drive through atm. NO "sorry for your loss" NO "let me see what I can do" NO, NONE of that. She just screamed "I need a death certificate!" and shunned me away, as all the other cars stared. HUMILIATING. I explianed to her it takes a month to get that. I had a temp DC, and all other identification and proof that my father has passed. She didn't even ask me for it, I was so appauled after her insensitive shouting that I just wanted to leave, and so I did leave, and I now have a sour image of Wachovia.

Approximatelly two weeks ago, I wrote to the president of this crooked bank for the second time how I have constantly made the same change within a 6 to 9 month period of having my statements to be sent in regular mail not E-mail reminders of informing me my statements are ready for viewing. Once again, that jerk gave my letter to someone else who purposely chose to ignore that part of my letter. It is though I did not and have not said anything about this matter from the beginning. These two "people" have made the choice for me once again of purposely keep my statements online when I have requested so many times over that I want them to be mailed to me.

Also, in my last letter to these "people" I made a comment how my June AT&T bill was paid twice. One payment was through that annoying bill paying service these crooks offer. Instead of address this issue in the manner it should have been dressed, these idiots gave me the same information I gave them about this matter and I am still out $23.89. I received a letter on Thursday, July 9, 2009, from these "people" basically placing blame on me for their laziness and dishonesty by only addressing the AT&T issue and ignoring the rest of my letter. It is though they are willing to "resolve" simple issues with one-size,

A few months a bank person allowed my son to transfer a few thousand dollars into another account without my wife's signature. The local bank admitted the mistake but their Loss Management is claiming that the monies went to the person who it was in trust for . They claim no responsibility. Now socoal security wants much of that monies back due to social security overpayment to the account. How much of the money is gone from my sons new account, the bank refuses to tell us. Their entire case rests on the fact that we did not notify them within 40 days. The statements were sent to my son instead of us. we were unaware of this. We have no idea of how much my son has spent. The monies in the account were meant for his rent and food allowance.

They have threated to put an unsatisfactory rating on my account with them as well as putting me on a consumer reporting agency to blaclist me and prevent me from opening an account with another bank.

I balance and reconcile my checkbook once or twice a month (depending on my usage) and I am always within a dollar to the total shown on my statement. This past month (June) I recociled and found myself to be $93.06 off from what was on my statement as an ending balance. I went back 3 months and checked all charges and deposits and triple checked my math with the same result. I even called the bank's 800 number and went through all charges with the representative, also showing that I am not missing any charges and everything I had written was correct.

I went to the branch to try to figure this out and even though two different people went through all charges and checked the math, ending with the same amount I had, they want to refer me to a "reconciling agent" who charges $20 AN HOUR to do exactly what they just did. And this will all be on my expense. Three people went through my charges/deposits and came up with the same result and they still want me to pay $20 of my hard earned money to have a third party do the same? I don't think so.

This bank has terrible customer service policies and, in this day and age of economic crisis, should own up to their mistakes and make ammends. I pay all my bills through this account and if nothing is done, I will take my money out of that bank so fast it'll make their heads spin. I spole to the branch manager (who was one of the people who reviewed my book, coming up with the same results as mine) and told her that I refuse to pay $20 to have someone else review my checkbook. Those are my finances and I will not allow some third party to look over them.

I was placed in a negative amoritization loan by an unsrupulous mortgage broker with world savings. They were sold off to Wachovia mortgage and I have had nothing but problems.I have been trying for 2 years to have my loan modified in order to remain in my home and Wachovia refuses to assist. They refused me for a refinance, a loan modification, and for loan assistance due to a hardship. I have contacted them numerous times and they do not return phone calls or allow me to speak with a supervisor.They would not even speak to me about my loan, but they refused to even speak to me unless I went into foreclosure.I am running out of options and wish to remain in my home. I have written to the Govenor and my Congressman in hopes of some type of help.

Wachovia is handling my student loan repayments. Here what been happening. First there is never a regular due date, the payment could be due on the 25th of one month and the 1st of the following month. Even within a month the due date can change, I gone to the website one day and noted the due date, come back the following day and due date is different. I have sent my payments in trying to meet the due date, registered mail so I know when they got it.

However, I get a notice I am deliquent in my repaying. During this time I can access my account. When they call and I tell them I have a receipt and give the name, the deny there is such a person. I am always 60+ behind. They demend I pay for the current and the next payment which is not due until the following month. They call me constiantly by phone, and want me pay by credit card, usually in the sum of $333.04, two payments. When I do this, the following day, I can access my account on line and see that the payment they claim they never got is credit to my account. What of the $333.04, that is never credited to my account, they state it is a late fee.

I opened an account with Wachovia years ago and after dealing with their unwelcoming and unmerciful staff I moved over to another bank. I left a balance in my checking account of $1.12. On June 28 2009 I received correspondence in the mail from their Collections Agency Focus Receivables Management LLC advising that if I didn't pay this amount that they were going to file a judgement against me for $53.86! I contacted Wachovia and they advised that they were dormant account fees and nsfs fees because of the dormant account fees.

I was advised then to contact Focus Receivables Management and I spoke with R. Barr, he advised me that he couldn't help me with working with the fees that I needed to contact 800-. I contacted the number and they advised me I need to contact the branch. I contacted the branch and spoke with a rep who advised me that I need to call Focus Receivables and speak with a supervisor.

I contacted the number provided and was advised that they would be able to help because they are Wachovia employees. When I contacted the number the rep transferred me to directly to R. Barr who advised that it didn't matter how much I complained and who I complained to, they couldn't do anything. He advised me that they are not Wachovia employees and they cannot help me and that I my intentions were not going to help the situation.

I paid the amount totalling $60.81 because I work at a bank and it could cost me my job. This is cruel. From my eyes they are charging me fees because I lent them $1.12. Is this not wrong? They ripped me off because I let them borrow $1.

How long must a bank save orginal copies of checking account withdrawal slips to keep them from changing amounts? I bought a CD and the amount was lowered in value without my knowledge. I believe that my signiture was cut and pasted (forged 95% sure) on new withrawal slip that I used to transfer funds from my checking account to CD. The orginal was destroied shortly after, I have seen only photocopy.

I believe it was just to cover a simple mistake. However it did happen on the big bank meltdown date of 9/22/2008, and this did give Wells Fargo a motive to lowered the amount of my CD since interest rates fell by over 2% in just a couple of weeks. This could have been a business model to lower high interest rate fees of Wells Fargo after purchase of Wachovia. Many people will not know until end of year because that is when the CD's mature.They might show up with CD's of less value than stated. Thanks After hours and hours on phone and person, I have been refunded the amount I lost due to interest rate switch. Money wise I am OK.

The lady said if we did subaccounts of my account "there would be no fees or monthly charges even without any minimum balance". I learned this month when my son's account dipped below $30 that it came to my attention.

They basically "deducted away through fees" my child's account after telling us "there would be no fees". When I called them they said they would refund 3 months but would extend to 6 months "as a courtesy"... That leaves about $200 they did not refund and refused to refund saying "I should have noticed it and called them sooner".

Over the past 6 weeks, I have been dunned for nearly $400 in overdraft or NSF fees, with an account that's had regular deposits (some are even direct ones) not getting credited on the day of deposit.

Additionally, there is NO provision for notifying the customer that a check is being refused, and that funds to cover it COULD be deposited (say, in CASH?) in order to avoid the refusal (and/or processing of overdraft fee) if received that day ... SOME banks have offered this as a service to long-term customers.

Finally, there's no way to create even a TINY line of credit, say even $50-100, to cover such situations. Only if one is able to leave such an amount sitting in a secondary account (to be used in case of such a drop below the line) can one avoid all this.

I believe the company claims not to have received student loan repayments, under the grace period, so that they can charge interest on unsuspecting students. In the case of son, I re-paid his loan 14 days before it was due. The check was not shown as cashed. When I called, they claimed to not to have received payment, or they would have cashed it. I sent a check at the very same time to an institution the Dept of Education Student Loan Servicing Center and their was received within 7 days that it was sent. Similarly it was not cashed but it considered paid on-time. Both were addresses were the US.

Just a warning about the worst encounter I have EVER had with a customer service representative. This has been a horrible 6 months for me and my family because my husband's plant was shut down and he hasn't been able to find a job. We lost our home to Wells Fargo after they made a verbal agreement to accept a certain amount of money in order to "get us out of foreclosure". In fact, it had already been sold unbeknownst to us.

Now we have our vehicle (last thing we own) through Wachovia, and they have made a verbal agreement to "get us out of repossession" If we send (X) amount of money tomorrow. They refused to send a fax declaring the verbal agreement, not even an email. If this was just company policy, I guess I could understand but what I cannot understand is how they (customer service rep.) could be so cold when I relayed our circumstances, in hopes that we could at least feel better about sending almost 1000.00 dollars on "someone's" word. He was dismissive, cold, patronizing. anything hateful that can be used here to describe this person, he was.

In the end, I told him that I hoped he never had to face losing his job and everything he owned, just to have someone like him, belittle him.

Even as Wachovia's website for the 'College Visa Credit Card' states 'YOUR COLLEGE YEARS ARE THE PERFECT TIME TO ESTABLISH CREDIT', upon completing the application & furnishing required documentation, my son got his answer...DENIED, because he HAS NO CREDIT! DUH!

For several months, I have tried to get my monthly statements mailed to me not to get those annoying E-mail reminders informing me my monthly statements are ready for viewing. Every time I get that, I go to this bank's web site to change over for regular mailing, but my choice is always override by people who oversee such information as though they think they are the greater good for those customers who chose not to have certain things done to their accounts. I am tired of this constant battle over something so simple.

On Friday, June 19, 2009, I called Wachovia's customer service. I talked with someone who is (was) a non-American, non-English speaking person about this matter. That person thought I said I no longer wanted internet access to my account so that person took it upon herself to deny me such access when I was trying to get set up to have my monthly statements mailed to me without getting any more of those annoying E-mail reminders about my monthly statements. Now I no longer have this service available.

I have even gone further enough to contact both presidents of Wells Fargo and Wachovia about this matter only to be belitted and patronized by Wachovia and getting no response from Wells Fargo. I am still getting those annoying E-mail reminders.

After wasting months upon months of my time trying to get this simple matter resolved, I am not going to waste any more of my time. This has gone on long enough. I am going to put an end to it quickly. My physical health is extremely weak and it is getting weaker on a daily basis. I had a major surgery this month. I am looking at another major surgery within the next several months. I do not this stress in my life to the point my weak physical health will cause me to be hospitalized all because this bank refuses to make this one simple change.

I thought I would use Wachovia's free bill paying service to pay my monthly telephone, but this was a mistake. The total amount of my telephone bill was removed three times from my checking account for a total of $71.67. One of these (those) payments was applied to my parents' telephone bill sine AT&T thought that draft was from my mother's credit union checking account not from my checking account so AT&T applied such amount to my parents' bill. Luckily, my mother got that straigten out with AT&T, but I am still having a battle with both sides which is futher unecessary stress for me. Therefore, I have removed that from my account, but knowing what Wachovia has done to me concerning my monthly statements not being mailed to me, it has most likely overrode this decision as well. If this turns out to be true, I will be glad to sue Wachovia for all of this unnecessary trouble it has given me for many months now.

Wachovia claims to have been rated number one in customer service for eight straight years. From the trouble I have had with this bank, I am beginning to wonder if this is nothing more than a pathological lie invented by this bank. If I do not get the results I am seeking soon, I will be glad to close my account and start conducting my banking business with a local bank that knows how to treat its customers right.

I am the executor and sole heir of my brother's account at Wachovia. Since March 23, 2009 they have refused to refund the money now owing to me. They keep changing the paper work requirements and establish hurdles.

I am asked for a refund for the $210 in overdraft fees. Wachovias bad business practices are consistently unreasonable. Their system conveniently takes out the largest check/ transaction first which puts the account in a negative balance. You then conveniently take the smaller transactions ($5.00, $6.50, $11.20 etc. ) after that and then claim "well I am sorry the system does that." That conveniently allows them to charge excessive overdraft fees for the smaller purchases.

These smaller purchases would be covered by the checking account balance if they didn't take the largest transaction first. It would be understood if this happened occasionally but it has happened every time we have had overdraft fees in excessive amounts. I realize we have a responsibility to manage our account. However, they have a responsibility to not ABUSE their customers to [Wachovia's] ADVANTAGE. We are in the process of closing this account. I have been a customer of their for 10 years and have consistently taken the largest transactions first so that they can take advantage of us by charging excessive overdraft fees for the smaller transactions.

They refunded us $21.00 and then another $21.00 after I sent an email to the online customer service. Their branch in Chesapeake, VA was extremely uncooperative. One of their division heads, B. Hogue was even less helpful. We had to pay our rent late due to this transaction.

i have had a nightmare with wachovia. constanly i have been charged nsf's when money was there even when i tried to closE MY ACCT. THEY CAME UP WITH SOME THIEVERY EXCUSE for me not to close my account even with no outstanding checks. wachovia is stealing people's money. this money should be goig to the econemy not to greedy hands, i have read alot of complaints someone needs to help others stealing is wrong. loss of work , loss of food money for my children anxiety attacks almost lossing my job for trying to take care of this during working hours

I had a predatory mortgage broker convince me to get into a loan that would save me $ on mortage payments. Well it turned out to be a toxic loan-neative amortization, Arm changing interest rates (going up) etc etc. Beginning in January 2008 I tried to get Wachovia to modify the loan. I got nowhere so in May 2008 I had a paralegal from the Senior Legal hotline here in Sacramento try and get a better loan. Wachovia started to foreclose in sept o8. They had told me I could not pay anything unless I paid their terms.

I enlisted the help of a Loan Modification attorney. In September 08 until now He has been trying to work with Wachovia for nine months. Suddenly out of the blue Wachovia via a letter from Anders said they were going to foreclose. No time for me or my attorney to respond--May 5 A Notice to Quit was taped on my door. As an Exibit A there was an attachment stating Wachovia had taken title to my home in Dec. With neither notifying me nor my Loan Mod. Attorney.

This is illegal, although some lawyers I have talked to here say that because they notified of intent to sell they can just move in and sell it without notiification. Not how I read Civil Code 2924 b in California.

Now I have been under the pressure to file an Answer to Unlawful Detainer--done on May 19. Now I am trying to find an attorney to go after Wachovia for Fraud, Misrepresentation. Breach of Contract, Breach of Fiduciary Duty, intentional infliction of stress Slander of Title,

One and a half years of this,with everyone trying to the best of their ability to negotiate with Wachovia and suddenly Wachovia jumps in with their "order to Quit" and unlawful detainer" This is my home, I am not giving it up! I intend to live here in my home. I am 67 years old. Retired School Teacher/School Counselor. I taught children how to confront and deal with bullies. Wachovia is acting like a big bully.

Wachovia charged me nine NSF fees $315.00 because of a $165.20 mistake that I thought would not be taken until June 16th. Instead of clearing the hold items first, they cleared the largest item. I would have had only one NSF of $35.00.

I purchased a used vehicle and financed by Wachovia. After only owning the vehicle for two months, I was laid off from my job (like everyone else). I'm a single mom and behind on mortgage and Wachovia would not modify my car loan, thus, they repossessed the car. At the time they repossessed the car, the balance due was $10,517.95. They auctioned the car less that HALF this price at $5,200.00. They have tacked on over $300.00 in fee's and sending me a bill for $5,774.95. They want me to pay over 50% for a vehicle that I no longer drive. How can they do this?

Wachovia has been a thorn in my back since I first started banking with them 2 years ago. I'm aware that from time to time I might overdraft and I'm also aware that banks will charge a penalty for doing so, but Wachovia has manipulated the system to where they can charge overdraft fees for items you have funds to cover. They'll claim the reason for doing so is because there are items on hold and have your funds withheld. Once your account has been charged over draft for items you originally had funds for and is then in the negative, those held items clear and your charged overdraft on them as well. What should have been a $70 overdraft charge has become a $175 dollar overdraft charge.

Wachovia has deducted hundreds of dollars of illegitamite overdraft charges in this way over the past years. I have called dozens of times with complaints to their customer support and have been told that's the way their system works. I think its dishonest and theivery in so many ways.

I recently graduated from law school in 2008 and have yet to find a job either in my field or out. Apparently I am either over or under qualified for everything. Anyway, my federal loans have all been easily deferred, yet I continue to have problems with Wachovia regarding my 1yr private loan of about $35k. I continue to ask for a forbearance yet I am told that I must make a monthly payment prior to being granted said forbearance.

The monthly payment is $350. I have not had a pay check since March 08. HOW would I have $350 to pay them if i'm seeking an UNEMPLOYMENT forbearance? I have gotten nowhere with the none English speaking call center reps. I have written letters telling them how ridiculous this request is and have asked for upper management to contact me. Which they have not.

Now the account is with collections CCS and I'm not only getting calls from them, but Wachovia continues to call as well now that i'm 2 months behind and now they want $700! I have been speaking with CCS, but why is Wachovia calling me now? They didn't when I asked and it's already in collections, so let me deal with them. At least they speak English. This is horrible and so unfair for people in my position, and I know there are many who cannot find jobs to pay our loans and are simply struggling to pay our rent and buy food each month :( Help is desperately needed. Where is our bailout? Now $750 overdue, and growing threatened that I may default anywhere from 90-120 days, and at least 6 phone calls per day.

I co-signed my son's student loan thru Wachovia. He paid on it about 3 years, and if he were late I would get a call from the account manager and I would get my son to send an immediate payment. Over a year ago he applied for a deferment because he went back to school. The request was denied. Also, we got no more phone calls if he ran late. One day, the bank empties my entire savings to cover the entire 15 year loan because he was behind $500.

I called the recovery department and they said they did not have a current address or phone number and that was why I was not contacted. My phone number has been the same for 19 years and they did have our address as we were still getting payment notices. Also, if they had access to my account, they had access to my address.

I made a deposit, they did not post it, I had over $400 in overdraft fees. The deposit wasn't even pending it was in my account. The checks deposited had cleared my customers banks before the money was in my account.

I called everyday for a week, they didn't respond, they told me I needed to talk to someone else, then they repeatedly refused to credit the charges back.

They are stealing from me. Wachovia has devised a plan to make all their money from Overdraft fees.

My parents had a mortgage with Wachovia. I took the property covered by this mortgage under a deed which reserved a life estate to my mother, the last of my parents to survive. After my mother's death, I applied for a refinance of the existing mortgage. All proceeded well until we tried to get a payoff letter from Wachovia. They refused to provide one. I sent them my parents' death certificates and the deed showing my ownership in the property.

They wanted to speak with the representative of the Estate. My parents and I had placed all property into joint names with me so that I would not have to probate their estate, so I had no letters testamentary or letters of administration. They demanded to see my parents' will and trust agreement and continued to stymie the closing on my refinance for over two weeks, demanding more and more documentation, all to pay off a loan!

We finally got a payoff letter from them, and since the closing was scheduled two days after the next mortgage payment to Wachovia was to be deducted from my checking account, I put a stop payment on it so that the figures in our payoff letter would be accurate. Once Wachovia received the funds to pay off the mortgage, they refused to accept it and threatened to return the check and not issue a mortgage satisfaction because they wanted an additional fee for a "returned check". Had they provided the payoff letter when asked, they would have been paid off before the next payment was due. These people were not only obstructionist, but rude, and cared not at all that their petty, officious conduct held up a mortgage broker, title company, attorneys and me for weeks. In fact, I think they took enjoyment in it.

I continued to accrue interest on the two mortgages I planned to pay off with the refinance for three additional weeks, a sum approaching $500. There were additional fees for faxing documents ($40+) and legal fees for having to hire an attorney to deal with them ($200), for a total of approximately $750.

I have submitted all forms, called for help (of course, it is impossible to even find any contact information on the forms because they do not want you to contact them. ) The company treats me as if I am a thief, attempting to defraud them of money. They send rude form letters and are unhelpful and condescending on the phone. I have spent hundreds of dollars worth of my time attempting to be reimbursed for a mere $5.00.

Please investigate this company and their procedures. I contend that this is money put aside out of my husbands pay check to cover legitimate medical expenses. I feel they are attempting to steal my money by making the process ridiculously complicated and cumbersome. Further, I resent be treated as an unscrupulous conniver. The reality is that Wachovia is knowingly creating processes and procedures so burdensome that customers will give up the fight and they will be able to keep the customers money unclaimed. This is not ethical

I recently experienced an overdraft nightmare with this bank. I pay most all of my monthly expenses online. My paycheck is on direct deposit so I can schedule payments based on my pay date. I missed recording a payment that overdrafted my account by $40.00, which occurred on a pay week. I discovered the error the day that the first OD hit my account and made a deposit to cover it and any outstanding drafts yet to hit. I sustained $210.00 that day. What I discovered over the next 24 hrs. is that Wachovia only made the first $100.00 of that deposit available on mu account and held the rest for another 24 hrs. They explained that they did this to make sure all items would clear. It was a CASH deposit.

In the meantime, they added another $210.00 in fees and I made another deposit to cover the extra fees. All told, over 48 hrs, they charged $730.00 in overdraft fees but did refund $133.00 because I was very irrate at what they were doing. What was happening was that they were debiting my acoount for items submitted in real time and levying fees as those items were submitted but were holding my deposits for 24 hrs. So no matter what I deposited, they ate them up in fees before they made the funds available. I made 4 deposits in 48 hrs. and still could not stay ahead of their fees. The deposits totaled an extra $648.00 plus the refund of $133.00 makes a grand total of $781.00 added to correct a $40.00 mistake. I still have $83.00 in checks outstanding that were returned that I still have to cover plus the merchant's returned check fees which will add yet another $65.00.

Had they made the first cash deposit available the next business day, the matter would have ended with the initial $210.00 fee. This whole mess has cost me $929.00 and Wachovia says they are within their legal right to charge the fees and hold the deposits (all which were cash),that their system is automated and they cannot do anything about how the debits and credits are handled.

Today, I moved my account to another bank and will be seeking a legal remedy to this matter. I have been one of their customers for nearly twenty-five years. I am out $929.00 not to mention the negative effects limiting my check writinf ability with the vendors involved.