Wachovia Corp Consumer Reviews - Page 3

FAIRFAX -- Wachovia is hands down the worst bank ever. They steal from you, lie about it and apologize like that brings your money back to you. They hold your funds and tell you that the money has already been deducted from your available balance. Then slap you in the face with overdraft fees.

I deposited 500.00 in my account and they took 315.00 in overdraft fees even though I had money in my account before making the deposit and made no other transactions. I tried taking 80.00 out of my account and the ATM said I didn't have funds. I called them to find out where my money went and after spending an hour on the phone and missing my appointment because I was broke, they credited me only 140.00 of the 315.00 and told me that they made a mistake. But refused to give me any more answers or money.

Less than a week later I was dumb enough to deposit another 800.00 in the account. I cashed a payroll check and deposited the rest in my account which was cash. I went to Walmart the same day using my debit card and received another overdraft fee even though I had just deposited cash into the account.

Now I'm no Albert Einstein but why would I cash a Wachovia check, place the funds in my Wachovia account and receive an overdraft fee for using my Wachovia debit card and spending 200.00 in Walmart if I thought that they wouldn't credit my account until the next day even though I deposited cash? Duh. I would've just cashed the check and spent the 200.00 in Walmart. And deposited the cash the following day. Can anyone explain the purpose of using debit if they still place a three-day hold on the item? I might as well just use credit.

Please do yourself a favor and RUN from this money grubbing bank. Last time I checked I wasn't in the position to throw my hard earned money down the toilet. Not as a single mom with three kids to feed. I have definitely taken my money out of this account and will cancel my direct deposit as soon as the doors to this place opens in the morning. My mom has a security account that she's had with Wachovia before they were even called Wachovia and I will make sure she gets her money out quick. Thanks a lot Wachovia for making me struggle this month. PNC will be happy to see me come back. P.S - They are open 7 days a week and my money was safe there.

During these hard financial times, you would think that people, especially those in the financial industry, would be understanding and customer friendly. That is not my experience with this bank. Unfortunately, I am one of those people who have fell on hard times and unfortunately have to short sale my home. I have taken all the legal steps necessary to proceed with this.

In addition, I have even applied for the Obama'€™s Loan Modification plan with the hopes of trying to hold on to my home, which he put in place to help the citizens of the US, but in my experience so far, these banks are truly not following this plan and that is very sad!

To my surprise, this bank is relentless and rude. I receive anywhere from 3 to 8 calls on a daily basis from this bank. Each time, I direct them to my attorney as he is handling my financial matters. In addition, they have been notified directly by my attorney that he is representing me. Still, they insist on harassing me with their rude, obnoxious phone calls. What I don'€™t understand is that they are going to receive the same answer each time they call. They are aware of the situation and have been legally notified. So, why then would they continue to harass a customer!

These calls have upset my children and I am at the point of disconnecting my phone. The representatives are verbally nasty and refuse to listen. As a matter of fact, I have had some of them actually talk over me when I am trying to tell them that they need to contact my attorney.

What callers like this need to understand, is that they have no idea what the person on the other end of the phone is going through such as death in the family, sickness, loss of job, financial setbacks, etc. If they were in a bad situation, I am quite sure they would not want to be spoken to in the manner they do. My hopes for these rude individuals is that they are never faced with tragedy that will change their lives forever and have to deal with unsympathetic callers.

Continuously calling a customer numerous times everyday and being rude and nasty to the customer is not going to change the person's financial status. It only adds to the stress that the individual and their family are dealing with. Do they really think that any of us going through these times want to be in this situation? Do they really think that people who had excellent credit scores want to see these scores drop? Do they really think that a single mother of two children and two dogs want to be homeless?

GEORGIA -- I issued a check for $320.00 from my SunT account to be deposited to my Wachovia account on 3/4/09 to cover my online bill payments. On 3/9/09 I deposited additional check for $1550 drawn from the same SunT account. On 3/11/09 I went to review my online statement and I was in shock and so upset after seeing of overdraft fee from one payment to another. Here is what happened. When I deposit the check of $320 on 3/4/09 to cover my bills it went through and paid all my bills. And the check that I deposited on 3/09/09, for $1550 also went through and paid my bills. On 3/10/09 the check of $320 that I deposited on 3/4/09 was returned with a $10 fee.

Since the check $320 was returned, the check I deposit on 3/09/09, for $1550 did not cover all of the expenses. Here is the scenario: My total expenses was $1500 after paying all the bills, my remaining should be $50 but since they returned my check of $320, I have an outstanding bill of $1180 so the other bills was not paid and Wachovia charged me an overdraft fee from one bill to another. A total of $115 overdraft fee. At this time I investigated the matter and called Wachovia several times and even spoke to the supervisors with no solution.

I also went to my SunT branch as well Wachovia brand to solve the matter. Unfortunately, they just give me a shrug, "Sorry we can't waive the fee." Here is my finding about my checks. The check of $320 I deposited on 3/04/09 was not presented to SunT bank. If you asked what's the proof? OK, when there is a returned check, both banks will notify the depositor in that case "Me" that the check was returned and this returned check will show in my statement with of course the returned fees. What's Wachovia being deceptive here? Wachovia did not process or presented my check of $320 to SunT bank to cash it.

Wachovia sent the check back to me instead and charged of overdraft fees with other, now unpaid bills. When I received the returned check, there was no explanation on why they returned my check. All they do is just passed me around and put me on hold but no one are willing to take any responsibility or accepted it was their mistake. One supervisor told me that they have an option to reject the check. So it could be one of your check that you deposit 3 weeks ago could be rejected. This practice is deceptive and taken my rights as consumer.

LOS ANGELES, CALIFORNIA -- I am having trouble getting my insurance disbursements from my bank. I lost my home in a fire 9/07. It has taken me over 2 years to finish the claim, redesign the house (w/ addition) and work my way through the Los Angeles building and safety for a permit (I am on a hillside). In that time my original lender (World Savings) was bought by Wachovia. I been received two different processes (on paper) for getting my disbursements, one was for three draws of 1/3 of total claim with the first disbursement upon receipt of required paperwork, the 2nd at 40% and the last @ 90%.

I received a second letter 29 days later stating the following disbursements: 20% to begin repairs, 20% after 50% completion and the balance after upon approvals of completion of all repairs. After receiving one disbursement, I requested my 20% draw at 50% completion. I was then told that I needed only 40% for the next draw. When I called for follow-up on the inspection, I was told that I had been switched to a total loss claim and the requirement for 60%. When the inspection company called for inspection, I was told that they would be looking for 40%. This was confirmed by the inspector.

When I called for follow-up from the inspection, I was told everything was fine, I was at 50% and a check would be disbursed by the end of the week. After waiting a week, I called for update and was told that I needed to be at 60% and since I was not there would be no disbursement. I have yet to receive any paperwork outlining a process requiring 60%. In the meantime, I am out of funds, frustrated and do not know how to rectify this situation. Though I have followed the procedure led out by them, submitted receipts that exceed the current disbursed funds, I was told today that my account was being switch (again) from escrow to loss management...

This feels like a shell game in which I will never get out of. In my opinion, they are dishonest and unethical... You do not have time for me to tell you how and through what hoops I had to run through to get a telephone number for help. It is immoral...

CALIFORNIA -- My 73 year old Nan took out a second w/ her bank @ World Savings (henceforth referred to as Wachovia). This was to remodel her home and live her golden years in peace. She is a Cancer survivor and for all extensive purposes on a fixed income. She is also sharp as a tack. Has direct deposit of her SSI. A career business woman that has had impeccable credit for 50 some odd years. Without fail. Well, for the last year and a half (after Worlds' became Wachovia) the second bill or statement has come sporadically. Sometimes as late as the due date which then resulted in late fees. Then this caused some angry words.

Then when this was "taken care of" a new hustle started. Every statement requested $75 dollars because her real bank wasn't cashing the "checks", resulting in obsessive NSF fees. Well of course she got her bank statements showing that Wachovia had indeed been paid timely, (every time!) and after two weeks of phone calls and ass kissing the fees were waived. The entire amount in question I think was about $280. Since then, every month since the "misunderstanding" there's been more fees she's had to pay. Over the course of 4 installments she needs to pay $70 more a month. Which in my eyes is recouping the $280, 4 payments at a time.

Well, if that wasn't enough, her credit has been effected leaving her to fall victim to their next scam. They raised her interest rates because she'd been habitually tardy on her loan payment. I've now petitioned the Better Business Bureau to mediate this and have done my best to put a paper trail on them. My Nan, who survived Cancer, the death my Mother, an abusive, sad life, now lives in fear of losing her house (and sanity) because she can't understand what she's done to deserve this and how such obvious complicity has her "another misunderstanding" away from losing her house. Her peace of mind can't be "waived" after she's dead.

VIRGINIA BEACH, VIRGINIA -- I have had problems with Wachovia before but Friday's incident was the last straw. I went to the drive up ATM to take out some money and the ATM gave my card back with no receipt and the screen said "timed out." I needed this money to pay back a friend so I tried again thinking it was nothing... It "timed out" again with no receipt or cash. I went to the walk up ATM to try that one thinking that either the drive up one was out of cash or needed maintenance. The walk up ATM worked but told me I would overdraft if I took out that amount of money meaning the system was showing that I had taken out the money the first two times.

I freaked out because I had no money or receipt to prove that I didn't get the money, "luckily" even though the bank was closed I caught some employees leaving and told them what happened. Very nicely, one woman took my debit card and went inside(I thought she was fixing the situation). While inside an employee told me they had been having many problems with the ATMs. The lady came out with my card and said, "You're right they did take out the money from your account. You will have to call the 800 number." Um what the, no I told her, "How can I prove I had no money from those transactions?" And why cannot they do anything like call or help me any more.

Oh because they don't handle the ATMs, they have a company that handles them and they were closed for the labor day 3 day weekend. But they didn't see a problem because they have such great overdraft protection and even though I had $15.00 left in my account I could spend as much as I wanted all weekend and only have to pay their "small" overdraft fees.

Yeah that's what they told me before rushing off to enjoy the holiday weekend. So I sat there in the parking lot and called the 800 number which told me they would put the money back in my account in 24-72 hours. Oh wait nope because it was a holiday weekend it would most likely be longer. So as soon as my money finally gets put back in my account (it's Tuesday still nothing. I'm hoping for Thursday at the earliest, oh yeah, and I'm supposed to have a payment come out this week for my health insurance.)

I'm going in there and taking my money somewhere else and I cannot wait for them to ask me why I want to switch banks. Why even have ATMs. The same thing happened to a kid at the walk up ATM while I was on the phone with the 800 number jerks. Thanks for ruining my labor day weekend Wachovia! Haven't you ever heard of an out of service sign!?

FLORIDA -- The reason for this email is to express my most recent experience with Wachovia. I've been a customer for Wachovia for many years and I'm thankful for the services provided until now. I understand that people that work in customer service are human and have bad days, but to be lectured by a supervisor in a call center in regards of the way in which I conduct my finances is uncalled for. What I'm referring to is my lasted call to customer service in which I requested clarification to the way in which my transactions where handled.

Ultimately, I felt that two charges which had been imposed into my account where unjust and perhaps could have been as a mistake of some sort. After speaking to a service rep by the name of Tracy, she agreed into crediting my account for one of this charges. I tried to plead my case further and gather a satisfactory answer from the rep which was not able to further assist me. During my whole conversation with the rep I tried to be comprehensive and courteous and if the conversation was recorded it could collaborate with my statement. I request to speak to Tracy's supervisor.

After a long wait I was able to speak to Ashley a supervisor at an Oregon call center. Ashley promptly tried to dismiss me with explanations on how this charges came about and why she will only be able to provide me with a courtesy refund of one the charges. Furthermore, I was told by this supervisor that it would be noted into my account notes that “no further Courtesy Refunds” would be granted into my account. She proceeded into advising me that as a courtesy she would refund one transaction and also send me a few transaction registers free of charge so I could manage my account better.

As upset as I was over having a Bank's representative insult my intelligence in a patronizing way by telling me she would send me registers, I tried to the appeal of this bank costumer's satisfaction and how unsatisfied I was over the way she handled this particular situation. As a final note, I could tell how sincere this supervisor was over her “transaction registers” as she never verified any of my personal information and where to send these registers which I don't need.

I have decided to terminate my business with Wachovia as soon as a few transactions which I done go through later on next month. I have also decided to forward this email to other departments within this organization including Jane Henderson, Director of Community Development, Tony Riggio, Regional Community Development Managers for FL and Ken Thompson Chief Executive Officer Wachovia Corporation with hopes that some takes the time to read this email and reply to it. I've also forward the contents of this email to http://www.consumeraffairs.com/ and http://www.my3cents/ in the form of a consumer complaint.

No kidding! And Wachovia dealer services are the ** of the Earth! I am one friggin payment late (like a week) and they are calling my friends cellphones and 86-year-old mother (embarrassing - and don't even know where they got these poor peoples numbers!!!), and harassing me endlessly! Unbelievable! Whatever you do DO NOT GET A CAR LOAN THROUGH THESE IDIOTS! They care nothing about you, but the minute your vehicle is worth more than you owe they have tow trucks in your driveway if you are only a few days late. Just thank gawd that you don't have a loan through these sharks!

SAYREVILLE, NEW JERSEY -- Wachovia Bank will charge you an additional $2.00 (not counting how much the other bank whose ATM you are using will charge you) every time you use an ATM that does not belong to their bank... They will name this charge as miscellaneous... I have never seen this with any other bank. If you go to Bank of America to withdraw money and Bank of America charges you $1.50 expect Wachovia to charge you an additional $2.00 (according to them for maintenance fees)... whatever. Just be aware. I don't think it's worth to have to pay $4 or $5 just to take some money out of your OWN account.

My Wachovia Debit Visa card was scammed while I was in Ukraine last October and there was almost $ 20.000 taken from my checking account in Russia while I was in Ukraine and China. I filed a report to the bank and the fraud department agent Anita ** called me in April to asked me some questions.

Until now, the bank has not refund me the money, this lady is fooling with me, while she says she cannot get through me since I was in Ukraine, since she needs to ask me some questions, so I gave her my two phone numbers the one in Ukraine and the one from Venezuela and she never called me.

I am back to Venezuela and have been calling her to ** and there is always an answering machine with her voice and with the message that she will contact you later. She wrote me back yesterday saying that she cannot get through me with the number I gave her and it is obvious that she is making time in order not to pay me. I get phone calls from USA and other countries with the given numbers all the time but, unfortunately, this is not possible for this Wachovia - Wells Fargo employee.

Last July she said the same thing and then she never called me when I was in Ukraine and then after I called her and wrote her, she was out for holidays. I terribly upset about this bank and their service and off course all I want is my money back and close my account. Now I wonder why the USA government don't enforce the law with this bank, they are making the few trust left in their banks to disappear.