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Wachovia customer service is the worst in the world
Posted by Unhappy Customer12345 on 10/01/2010
FT. LAUDERDALE, FLORIDA -- Unfortunately the company that I work for pays all bonuses to a Wachovia direct pay card. As I am in sales, the majority of my paycheck is processed that way. In order to remove funds, I must must atm withdrawals of the funds. I am unable to make withdrawals inside a Wachovia branch. When my card expired, I called to request a new card which they said would be delivered within 7-10 business days. On the 10th day, I still had not received my card and so I called again. They assured me it was on its way. Several days later, I called again where I was informed that the card had never been ordered. They told me that to have the card within 3 days I could pay an additional fee and would receive the card within 3 business days. On the third day, I still had not received my card so I called again. I was told that the card had only been ordered the day before so to wait 2 more days and I would have my card. The two days passed again no card. I called again to speak with a manager, the representative hung up. I called back and asked again to speak to a manager. They told me a manager would call me back within 2 days. The manager called left a message that my card was on its way. No apologies. Nothing. Now each time I have called I have had to pay $1.50 plus the cost of the expedited card with I still have not received. So in total, I have paid over $30 in fees to get a card I do not have. I called againt to speak to a manager asking for the routing number for my card which they swear is on its way via Fed Ex. As of this moment, I have yet to hear from the manager. This has now been going on for over a month. Imagine basically being unable to access your paycheck for a month. If this is not resolved within the next day or so I plan on complaining to not only the Better Business Bureau but also writing a complaint letter to each member of their Board of Directors which they were kind enough to list on the internet.
     
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Posted by Fufu487 on 2010-10-02:
Sounds ridiculous. I can understand it getting lost once, or some scenario like that. You're experience is just frustrating.
Posted by banker123 on 2010-10-18:
That is beyond frustrating. Did they ever verify your address when you called for your card? The 7-10 business day is quoted to allow for the mail and is actually part of the Regulation E for delivery of cards. But typically as Wachovia Cards (as of Sept) are mailed from their Charlotte offices. 3-4 business days is more typically for other locations on the east coast. It sounds like yours might have been returned which is why when you called on the 13th or so day there was one already on it's way to you.

I know it's frustrating to deal with especially when it comes to assess to your money not to mention time spent going to the bank. It's a shame we have to be our our CSR in ensuring they get our address properly. But I know with Wachovia when they change one address on the system it does not take care of them all.
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1 Notary Public per branch
Posted by Sothrngirl on 09/12/2010
GULFPORT, MISSISSIPPI -- Needing a Notary service, I contacted my local Wachovia Branch here in Gulfport, MS. I know that as a bank customer this service is usually provided free. However, after calling the 2 Wachovia Banks in my area on a Friday morning, I found out that each branch only had 1 Notary Person and to add insult to injury, both Notaries from each bank was off that day. How can a large corporation like Wachovia only have one Notary person? Most banks have at least 2 Notaries. I finally went to one of the small local banks here to have my documents notarized. This competitor bank with locations ONLY in Mississippi had three on staff. I was charged five-dollars for the service and got my business taken care of. I have been a customer of Wachovia for over 20 yrs. and was disappointed in my findings.
     
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Posted by Skye on 2010-09-12:
Public libraries also provide notary services at no charge.
Posted by Anonymous on 2010-09-12:
I remember I went wells Fargo and got a document notarized they charged me two bucks for that Service.
Posted by raven2010 on 2010-09-12:
I think part of the deal when you take your notary test is that you sign a document saying you will never charge, as this is considered a public service.

For the future, here is a suite you can use to find a notary
http://www.notaryrotary.com/agent/find_a_notary.asp
Posted by Anonymous on 2010-09-12:
Raven, they charged me because I did not have an account with the bank.
Posted by spiderman2 on 2010-09-12:
How dare they let the notaries take the day off! If I were you I would switch to this local bank that has 3, I bet they don't let all 3 take off on the same day! Then you wouldn't have to pay $5.
Posted by raven2010 on 2010-09-12:
Ohoooooo, I stand corrected. Here is a list of maximum fees per state

http://www.punny.org/money/maximum-notary-fees-by-state-dont-get-ripped-off-by-big-fat-notary-guys/

Looks like five bucks is the max for your state, exactly what you were charged
Posted by Anonymous on 2010-09-12:
I'm lucky because my friend is a notary. So is my sister.
Posted by Skye on 2010-09-12:
My sister is also a notary. She said the test was easy. I don't remember what she had to pay to take it, but she passed and then received her notary stamp.
Posted by MRM on 2010-09-12:
Please excuse me for this dumb question but what is a notary and why do you need it?
Posted by Skye on 2010-09-12:
They notarize documents for people. What they do is, they ask for your license/ID and make sure its your signature on whatever you are trying to have notarized. Its for legal reasons most of the time. They then stamp it with a stamp that has their name, that they are a notary, and the date.
Posted by MRM on 2010-09-12:
I just never had things notarized which is why I asked the question.
Posted by Skye on 2010-09-12:
Well in case someday you do, now you'll know where to go. Go to your local public library, or any library will do, and they will do it for free. Most banks also offer it for free, so check out if your bank does. My bank does.
Posted by Nohandle on 2010-09-12:
It's not a dumb question MRM. I'm a notary, state at large, and a bond has to be with an insurance company. Basically it is an individual verifying a document signed has been signed by that person. It's required for all government bids for an example.
Posted by Anonymous on 2010-09-12:
I've had to have legal papers notarized before
Posted by MRM on 2010-09-12:
Thanks Skye and Nohandle for the tidbits!
Posted by Venice09 on 2010-09-12:
There's a test? I was a notary a long time ago, but I don't recall taking a test. What kind of questions are on this test?
Posted by Skye on 2010-09-12:
I thought my sister took a test, but now I'm thinking maybe she only had to pay a fee. I know she said there was nothing to it. Next time I talk to her, I'll ask her.
Posted by Skye on 2010-09-12:
Ah ha, there is a test in our state. I found this:

How to Become a Colorado Notary
Select your commission essentials package below. All NNA packages contain your state-required training.
You’ll have the option to upgrade to a live seminar or webinar and choose the location and date that's most convenient for you.
The NNA guarantees that you will pass the Colorado online Notary exam. We will then guide you through each remaining step of the application process.
Posted by Venice09 on 2010-09-12:
I was just curious, Skye. At the time, I was working in a law office and my boss just took me to the court house, verified who I was, paid the fee, and the next thing I knew I was a Notary Public. I probably had to fill out a form, but I don't recall taking a test. But that was so long ago so I thought maybe things changed. There should be some kind of test otherwise anyone can be a notary.
Posted by Nohandle on 2010-09-12:
I remember hearing locally that years ago at a car dealership a woman walks in with the paperwork signed for purchase of a new vehicle. She sweetly explained her husband had already signed because he was at work and couldn't be there. The notary at the business witnessed her signature and checked her ID. Obviously the husband wasn't there but she signed and all was fine.

The wife lit off for parts unknown, with the new vechile, and the husband knew nothing about it. That's the reason for a bond with an insurance company backing it. Many businesses have a notary on staff for internal purposes only, not available to the general public.
Posted by Venice09 on 2010-09-12:
Thanks for verifying that, Skye. I think a test is in order for someone to become a Notary Public. I always thought it was a bit of a joke that I was given a stamp and a seal and was suddenly someone of importance. I just figured my boss pulled some strings to quickly get me through the red tape. That's how I got out or jury duty for years!
Posted by raven2010 on 2010-09-12:
There is a test here in Ohio. Pretty basic, but I know someone who recently managed to fail it. *roll eyes*
Posted by Venice09 on 2010-09-12:
Nohandle, a bond makes sense, too. It gives a notarized document more credibility. In all the years I worked there, I probably notarized thousands of documents, but there was never an issue. And we were sometimes a little flexible with clients' signatures. If someone came in with a document that was already signed by the spouse, I usually took their word for it. But only if it was someone I knew. I never did it for strangers.
Posted by Skye on 2010-09-12:
I agree also about the bonding. My sister was bonded and insured when we lived in NY, she had her own business back in the day. Where does the time go? Seriously....
Posted by Obsfucation on 2010-09-12:
In MA, (and I thought everywhere) it is illegal for a notary to charge for the service. I would question that.
Posted by Skye on 2010-09-12:
Raven :)
Posted by Skye on 2010-09-12:
I guess if a bank charges, it's not the notary charging, but the bank the notary works for, is who is doing the charging.
Posted by raven2010 on 2010-09-12:
girl, I'm telling you, I darn near peed myself laughing when I heard about this. Of course, it was someone with a holier than thou attitude, who ALWAYS brags about her "connections" and how "intelligent" she is.
Posted by Venice09 on 2010-09-12:
My office never charged anyone but if I remember correctly, I was allowed to charge a fee. This was in New Jersey. Maybe it varies depending on State.
Posted by Venice09 on 2010-09-12:
Raven, I'd love to know what the questions are on the test. I can't imagine it being that hard.
Posted by raven2010 on 2010-09-12:
No clue, venice. I asked one of the other women at work, but it had been 3 years sincee she took hers so couldnt recall details, just that it included things on how to verify ID, etc.
Posted by FlShopper on 2010-09-12:
I don't use my notary stamp much anymore since I left a former job (where my services were required often and I charged anywhere from $5-$10). I do notarize quite a bit of stuff for my cousins who own their own business; they pay me by taking me out to lunch.
:)
Posted by Nohandle on 2010-09-12:
It's been a number of years ago but if memory serves all that's required in this state to become a notary is to complete the application and have the names, and signatures of perhaps three individuals verifying your character. Obtain a bond from an insurance company and trot yourself down to the courthouse and presto within a month you were then a notary.

A seal and rubber stamp can be obtained from a local office supply business. County or State at Large, depending on what you were applying for. The rubber stamp merely states when your commission expires. It could be hand written by the notary so a stamp was not required, just a convenience.

Every notary, in this state, will receive a notice from some outfit, to sign up for whatever. It's not necessary. Just make certain the premiums are up to date with the insurance agency and you are all set for the next year.
Posted by spiderman2 on 2010-09-12:
Notary laws are controlled by each state. It is not illegal for a notary to charge a fee. When I was a notary in PA all I had to do was pay the fee and get a senator to write me a recommendation, no classes, no instruction other than a booklet and I could charge $2 per signature.
Posted by Sothrngirl on 2010-10-11:
I was a Notary in the state of Georgia. However, you cannot notarize your own documents. When I was a notary, all I needed to become one was to have 3 people that lived in my county that knew me enough to vouch for my character pay the fee to the court and order your stamp. Its a pretty simple process.
Posted by Skye on 2010-10-11:
Yes, I remember my sister telling me she is not allowed to notarize her own documents, which is logical.

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Attempt at loan Modification
Posted by Bedelia on 06/22/2010
Back in April of 2009 we began the process of requesting a loan modification. We found the process very complicated BUT did copy and send all of the requested documents in a timely manner. In fact over the months they were sent 3 different times. We are in our 70's and have suffered a severe hardship due to an embezzlement. The business of 48 years was a custom cabinet shop, the former bookkeeper took 258. thousand, from the business and got a good deal of the retirement we had worked for and set aside for these years. The former employee was found guilty and sentenced to jail. All of that paperwork from the District Attorney as well as bank statements & tax returns plus All requested were submitted. In March of 2010 we got one letter stating we did NOT show severe hardship or ANY hardship. The next day we received a phone call stating that we DO NOT have enough money. The Wachovia people do not seem to know from the right hand to the left what is going on. We are barely surviving, however have kept up with our loan commitment. We asked for a lower interest rate and/or (hopefully both) an extension on the mortgage loan. The Home Affordability and two other programs are in fact available. Why are we denied?
We quality and are not an excessive risk. We asked for a second chance, not due to our actions but due to a major theft. Did not ask for something for nothing, but to be able at this age have a bit of peace and continue to have this house, which is our home. Some assistance, we would still pay as we have for years and years. Over the months from April 2009 until May of 2010 we spent lots & lots of time and many dollars getting information requested, say nothing of the mental strain and all of the phone calls and effort, it causes undo stress and should NOT be the way it is. Hoping for some assistance Shirley Pisano
     
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Posted by saj80 on 2010-06-22:
Mortgage loan modifications have become the albatross of the industry. Banks don't like doing them, but the federal government keeps pressuring them to. The issue isn't so much with the banks, but in the fact that the majority of these loans were packaged and sold as investments, which means if the bank makes changes, they are still responsible for their investment rate. In my opinion, many banks purposely stall in this process, hoping that consumers finally get tired of the run-around and give up. The only advice I can offer is to keep on them, but you may never see this come to fruition. You sound like a very responsible person who is now caught up in a very unfortunate situation, and I wish you the best.
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Cash money to no money
Posted by Tmfcook on 06/11/2010
NEWTOWN SQUARE, PENNSYLVANIA -- I opened an account not too long ago because I had a Wachovia written check and they refused to cash it unless I opened an account or waited a few days for the check to clear. First of all it is your friggin check from your bank and you know whether or not the funds are there!!!! So, I break down and open the account just so I can hurry up and get paid. I'm the average American just living hand to mouth and need my money as soon as I get it, there is no cushion. Well, a few deposits later I find out that my account is overdrawn by approximately $300. How could this be? I know exactly what I spent and how much I deposited but a Wachovia employee told me on the downlow that the bank shuffles money around like a shell game until they cause your account to become overdrawn and then they hit you for overdraft charges. On this same day the teller informed me that if I could cash my checks that are written on other banks and then deposit the cash it would immediately clear my account. today I did just that. I deposited $600 cash into my account and received a piece of paper that says my available balance is six and some change. I go home to pay bills online and badda-bing!!!! No friggin' money has cleared my account. I could've just gone to Western union and purchased a pre-paid debit card and then money would have been readily available!!!!I call the 800 number and the lady tells me it might be a few days. IT"S CASH!!!!!it should've cleared my account 5 seconds after I deposited it!!!By golly! THE LARGE CORPORATIONS CAN SUCK MONEY OUT OF MY ACCOUNT AT 3 A.M. ON A sATURDAY MORNING BUT I HAVE to wait many days to retrieve or have use of my funds that are deposited in cash. I'm sooooo mad. I'm going to shut this account down as soon as I can. Fook this!
     
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Posted by Weedwhacked on 2010-06-11:
That's how banks work, they suck you dry.
Posted by NickL11354 on 2010-06-11:
The average American lives 'hand to mouth' and needs money as soon as they get it?? That is new to me especially given how crowded the stores are
Posted by PepperElf on 2010-06-11:
i know all about living like that
and that it would take time for a check to clear.

at times i screwed up and overdrafted but not too often.


what i would do with a check, if i needed cash right away from it was deposit most, but keep enough back for what i needed to spend... that way i'd have what i needed right away and could let the rest of it sit for a day or so before touching it.

of course that also meant a lot of planning. Only buying groceries i needed, cooking for myself as much as possible, cutting back on splurges, and remembering when specific bills needed to be paid.


as for why they can't automatically say "this check is 100% good" even though it's written on an account with their bank?

Forgery. Not saying that you would do that but others may do it. that is why they have to ensure that the check wasn't forged etc.
Posted by PepperElf on 2010-06-11:
and this is also why it's best to get direct deposit for a job if possible.
it's easier that way and takes less time to process. so you often have the money that same day...unless the company you work for sucks about payroll
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Wachovia worst bank
Posted by Olinocka on 06/08/2010
Very nasty customer service ridiculous fees I would not recommend this bank to anybody
     
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Posted by Weedwhacked on 2010-06-08:
All banks have fees and they do make it seem that the customer service agents are nasty.
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Highway Robbery
Posted by Haitiandiva on 05/25/2010
I have a checking account linked with a way2save account. I made a mistake in my calculations which should have caused me to overdraft 1 time. Apparently I had purchases on hold. They charged me an overdraft fee for each purchase that was on hold because my available amount wasn't enough and then I will be charged for each of them again when they actually process.

Highly upset!! And the customer representative said that I should learn to balance my money better!!
     
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Posted by Weedwhacked on 2010-05-25:
Now you know why the agent gave you advice. When you make a mistake the opportunistic banks jump all over you.
Posted by Anonymous on 2010-05-26:
Wait...they are going to ding you TWICE for each transaction? I don't think that's even legal, is it?
Posted by DebtorBasher on 2010-05-26:
Most banks will continue to charge the overdraft fees if it isn't taken care of in say, 5 days after the first one...so if they charged again when the purchase posted, it may not be because of it being posted, but because the overdraft went into the second stage.
Posted by Anonymous on 2010-05-26:
Hmmmmm....I always thought it was the initial NSF fee(s) and then the account overall was charged something like $7/day on weekdays and $21/day on weekends that it was left in the negative for a certain # of days, not that a bank could continue to charge the NSF fees again and again.
Posted by DebtorBasher on 2010-05-26:
Could be. I know once when I overdrafted on my account, I was charged $39.00. But, I wasn't aware of it until about three days later when I checked my account online. So, I transferred some funds into the account over the computer to cover it and then some but before it actually posted, my transfer was 'pending' and later that same day, they had the 2nd phase overdraft charge of $39.00 also pending. So, I had the second overdraft fee and my transfer both pending at the same time. When it updated the next day, I called and asked if they can remove the second fee because as the records showed, I did transfer the funds and the second fee was being charged at the same time as my transfer. They said no problem and removed the second overdraft fee. What gets me, is that it wasn't until a day after the second fee was applied, that I got my noticed in the regular mail about the first fee. If I hadn't checked it online, I would have had both fees to pay.
Posted by goduke on 2010-05-26:
35 days until July 1.
Posted by MaggieMcT on 2010-05-26:
^^^^ And 35 days until the complaints about "How DARE they deny my purchase!"
Posted by skelly39 on 2010-05-26:
I keep reading comments about how people will complain if their purchases are denied if they don't have enough money, but I have yet to see someone actually complain about it. I'm sure transactions have been declined before for that reason, but the only complaints I'm seeing are the ones about huge, out-of-control fee structures designed to keep consumers in the red while generating huge, out-of-control profits for banks. If there is an onslaught of complaints after July 1 because of denied transactions, I'll be the first to admit I'm wrong, but I really don't think that's going to happen very often.
Posted by MaggieMcT on 2010-05-26:
I think you'll be surprised, skelly. There are way too many people who think they shouldn't have to be bothered keeping a register. I think they'll still be saying "but my online balance said. . ."
Could be wrong, of course, it's been known to happen -- just ask my husband. ;-)
Posted by skelly39 on 2010-05-26:
Maggie-that's a good point. There will always be people out there that think they can do things differently than everyone else, but they're already complaining because they use their online balance and NSFing left and right.
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Terrible Customer Service
Posted by Nicohanna on 04/27/2010
CHARLOTTE, NORTH CAROLINA -- Beyond terrible customer service. Not sure if it has anything to do with them joining Wells Fargo, but every time I call or go into a bank they can't get anything right. My debit card number was stolen while I was in the middle of moving 1,300 miles away, it has been 3 weeks, and no sign of my new debit card. I have been having to play transfer from one account to the other, and have incurred overdraft fees like thank you cards because their system was down or their customer service reps are incapable of doing their job. They took it upon themselves to transfer money from one of my account to the other. I tried dealing with customer service on this prior to the check being cashed since I had already written a check and they were very unhelpful. Of course despite my depositing cash into my accounts I incurred yet more overdraft fees, and they could do nothing for me even though they caused it. I will be closing all of my account with both Wachovia and Wells Fargo, and will never do business with either of them again.
     
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Posted by Slagathorn on 2010-04-27:
"Of course despite my depositing cash into my accounts I incurred yet more overdraft fees,"

What time did you make the deposit? It does matter. All banks have a cut off time, and that includes even cash being deposited.
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Placing a hold on a cashier's check?
Posted by John12310 on 03/24/2010
I received a company check in the amount of $25,000, drawn on SunTrust Bank. I know from past (unfortunate) experience that Wachovia will put a 10-day hold on these funds because of the size of the check - even though they clear the check in a day, and will bounce checks you have written in the meantime (to the tune of several hundred dollars in bounced check charges, in my case). This time I tried to be smart about it. I went to SunTrust and told them, "I could cash this check, but would rather not carry around $25,000 in cash. Is there another alternative" They said that, even though I don't have an account with them, they could give me a cashier's check (good as cash) for a $20 charge. I didn't want to have to pay the charge, but I agreed, thinking it was the easiest way to avoid a 10-day hold. However, after bringing the check across the street to Wachovia, they informed me that I would still have a 2-day hold on the check. I thought the purpose of the cashier's check was that it was good and immediate funds! So instead of doing both banks a favor, I could have forced SunTrust to count out $25,000 in cash, and forced Wachovia to count out $25,000 in cash, saved $20, and not had a hold placed. Next time I will do just that.
     
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Posted by Anonymous on 2010-03-24:
"even though they clear the check in a day, and will bounce checks you have written in the meantime"

That's why you don't write checks until the money clears and posts into your account first.
Posted by old fart on 2010-03-24:
I need a new car... can I borrowed $25,000...?
Posted by Anonymous on 2010-03-24:
Depositing $25,000 in cash is probably not a good idea as well unless you're squeaky clean on previous years taxes as that would raise a big red flag with the IRS.

Last year I deposited a 40+ grand teller check at my bank (FNB MWC). There was no hold. The funds were immediately available. I know because I asked. When I banked at Arvest I deposited several checks in excess of 25K. Although they put a hold, three days if memory serves, on a good portion of the deposit they did let between $5,000 and $9,000 be immediately available. Which I thought was fair.

It's all about making a good choice in banks. Wachovia like all national banks is not the best consumer choice. Join the grassroots movement of people dumping the big national banks in favor of local community banks. You'll get far better terms, service and your business will be appreciated. Make the change now. You'll be glad you did!
Posted by CUFlipSide on 2010-03-24:
Check holds are set by the government. There is no such thing as a ten day hold, even when extended... ten business days anyway. Banks can extend a hold for new customers, or for repeated overdrafters, or if they have a reason to think trhe check may not be collectable. Cashiers Checks do not get a hold, if they are clearly identifiable as such, which is not always the case, and not all bank checks are cashier's checks.

If it clearly says Cashier's Check on it, point it out when you deposit it and ask for immediate availability under Reg C. If it is not labelled as a cashier's check, don't even bother, they won't take your word for it, but unless you have a bad record, it won't get an unusual hold either.
Posted by PepperElf on 2010-03-24:
how about this idea?

go to the bank you normally bank with and deposit the check
BUT on the deposit slip there should be a part marked "Less cash"

that part's for any cash you want to take directly from the check.

the check may still need to clear before the deposit goes in, BUT you could be able to get a small amount of it as cash for immediate expenditures.

it doesn't hurt to ask at least.
Posted by saj80 on 2010-03-25:
Actually, it's Reg CC that dictates holds. If a cashier's check is deposited at your bank, into one of your accounts, the bank is required to make these funds available one business day after the deposit; if made after a deposit cut-off time, this could be two business days. However, a bank is allowed to increase this hold time in the event for certain reasons. Attached is the language directly from Reg CC:

Cashier’s, certified, or teller’s checks deposited in person to one of your employees and into an account held by a payee of the check. (Note: If the customer desires next-day availability of funds from these checks, you may require use of a special deposit slip.)
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Fraudulent, Unethical Bank!!!
Posted by Wachoviascorned on 02/26/2010
Wachovia has the worst customer service that I have ever encountered. I would not recommend this bank to any new customers. In fact, I would say to stay away from them as much as possible!

Twice now, they have charged me for overdraft fees that were a bank error. The first time it had occurred, they were able to refund me back my money, however, the second time around they refused to rightfully refund back the money they charged. My paper statement says otherwise from what their customer service "thinks." Not only that but the treatment I had received was concerning on the part of a customer. I was treated with nothing but dis-respect.

Another incident was when there were fraudulent charges on my account from another company that had gotten my card number online. As it was a fraudulent charge, I immediately contacted Wachovia and explained to customer service the problem. I spoke with their Fraudulent Customer Service. They said that their purpose was to handle all accounts that had charges such as that and it was their job to help their customers with what to do to right the problem. Unfortunately, when I spoke with their customer service, they told me to do it all myself and would not even point me in the right direction.

What good is a bank if they cannot even help their customers?

I researched them more online and found that there were many other sites dedicated to showing just how bad of a company they are. Unfortuantely for me it was too late.

It seems that they will charge their customers for overdraft fees while they are still in the positive and then because of how many overdraft fees they charge it will bring you into the negative. I am not the first person they have stolen money from in this sense. There seem to be hundreds of other customers as well.

I would recommend choosing a different bank altogether. Clearly, they are unethical and do not believe in treating their customers with respect.
     
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Posted by msnanny on 2010-02-26:
There's really not enough detail here to determine if your overdrafts were due to a bank error or your error but I suspect the later.
Posted by Anonymous on 2010-02-26:
"Twice now, they have charged me for overdraft fees that were a bank error."

What was the bank error?
Posted by wachoviascorned on 2010-03-01:
The bank error was that I was still in the positive when the overdraft fees were charged. I was actually well into the positive until they charged me five times which then brought me into the negative. Its even on my paper statement. I filed with the Better Business Bureau and they would only give me half of my money back for the inconvenience.
Posted by Anonymous on 2010-03-01:
You can be positive and still get NSF fees, if the funds are not collected when the checks or debits hit the account.
Posted by Anonymous on 2010-03-01:
"The bank error was that I was still in the positive when the overdraft fees were charged."

If a check is presented for payment, and it's more than your current balance... you can be charged nsf fees.
For example: If you have $200 dollars in your account and a check for $300 is presented... you don't have the funds to cover the check... therefore, even with a positive balance, you'll still incur an nsf (non sufficient funds) fee for not having enough to cover the check.
Posted by wachoviascorned on 2010-03-02:
There was nothing like that that went through the bank. There were just the normal charges to my account that had already been in there to begin with. Even the charges that was pending on the account wasn't enough to bring it into the negative. I had two others (outside of their bank) check through it all twice.
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Student Lending - NO Customer Support
Posted by Dietz32277 on 02/21/2010
First I tried to contact Wachovia to try and repay my bills 2 months ago. I didn't have the zip code that matched their records so I was repeatedly put on hold and never spoke to anyone. They had a bizarre address that I have never lived in so I hadn't received any bills in over a year from them. Then I get a call on 2/19/2010 after 2 months of trying to contact you saying that I'm late in repayment and charging me a $6.00 late fee (its the principal). Its their fault that it was late. Also they've been sending my private information to someone else at an unknown (to me) address. I'm checking my credit report and if there is any suspicious activity I'm having them investigated any way that I can. Also now that I'm trying to log in and pay my bill I'm getting a notice on the website saying that the service I requested is unavailable. Their company is ridiculous and I do not want to deal with them any more than I have to. So please get your website and information correct so that I can pay you people without much more contact. This complaint is going to consumer websites and I am going to notify my college of the problem as well.
     
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Posted by bcd on 2010-02-21:
Six-dollars is too low of a penalty for an account that was not paid on for over a year. I suspect you had a new payment agreement and failed to honor that agreement.
Posted by BEJ on 2010-02-21:
It is your fault it is late--no one else is to blame here.
Posted by MaggieMcT on 2010-02-21:
You didn't get bills for a year, and you waited until 2 months ago to contact them about it?
Sorry, but that's entirely your fault.
Posted by Fufu487 on 2010-02-21:
I agree that the bills shouldnt have gone to someone else's address. But the late fee (which is surprisingly low) is entirely your fault. You knew you owed them money and didnt bother to follow up with it.
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