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Wacovia Complaint - We Are Here To Help You, My !@$%^#%^

Review by GO CRAM IT ! on 2010-01-22
Banks have come up with a way to make the average joe pay out the nose.

They offer a bull crap service so that you can check your balance thru an automated system. This system however is not accurate, according to several customer service creatures I have spoken to. I use my ck card constantly, that's my bad. Even though items maybe on hold the "available balance" somehow is off? I got some crazy explanation of how items post in $ order not by date? Then I was told some nonsense about gas stations not accurately putting charges through until a later date(even though the automated says it is on hold)? FINALLY, IF THE ACCOUNT SHOW I DO NOT HAVE THE $ TO MAKE A PURCHASE, DECLINE IT! DON'T CHARGE ME 100'S OF DOLLARS IN OVERDRAFT FEES.

I FEEL AS IF I AM GETTING RIPPED OFF, ITS A BANK CARD NOT A LINE OF CREDIT @ $35 PER TRANSACTION. HEY HOW ABOUT REAL CUSTOMER SERVICE FROM YOUR BRANCH MANAGER, MAYBE SOMETHING LIKE, I SEE THAT THERE WAS A PROBLEM WITH ONE OF YOUR RECENT TRANSACTIONS, NOT A BOGUS POST CARD A WEEK AFTER THE CRAP HITS THE FAN. I HAVE BEEN A CUSTOMER WITH Wacovia FOR OVER 10YR. I DO NOT INTEND TO STAY WITH THEM. I CANT AFFORD TO BANK WITH WACOVIA ANY LONGER. WE ALL NEED TO GET BACK TO A SIMPLER WAY OF LIFE...AND STOP LETTING THE PEOPLE WHO HAVE THE $ SCREW US. OH FYI, I HAVE BEEN OUTTA WORK FOR ALMOST A YEAR. I AM A SINGLE MOTHER. I HAVE BEEN HOT FOOTING WITH MY FINANCES AND THAT IS HOW I ACQUIRED THE OVERDRAFT THAT DOMINOED. WHAT THE PEOPLE WHO MAKE THE RULES DONT KNOW OR CARE THAT MY UNEMPLOYMENT $ PAID THEIR FEES, AND DIDN'T FEED MY KID. GOD BLESS AMERICA!
Comments:15 Replies - Latest reply on 2010-01-22
Posted by Anonymous on 2010-01-22:
Or just keep a check register.
Your available balance doesn't include anything that hasn't posted yet... nor does it include everything you've done that day. And the gas station thing... there's a Chevron I frequent that the charge, that shows up as pending, only shows $1.00 coming out. It's not until it actually posts, does it post the $10 bucks I've spent. If I didn't write it down, in my register, what I spent I'd find myself with an overdraft or two.
Posted by tnchuck100 on 2010-01-22:
1. It's Wachovia.
2. That's how the game has been played for some time now.
3. YELLING at us won't help.
4. BKK is right - a check register is infinitely more accurate than an on-line or ATM available balance.
Posted by bcd on 2010-01-22:
Have you submitted a request to Wachovia to decline debit authorizations if funds are not available?
Posted by Anonymous on 2010-01-22:
There's that option, bcd, to opt out to have sufficient funds... but, it doesn't catch everything.
Posted by MissMae on 2010-01-22:
I'm taking the OP's side on this one. In this day and age of technology, there is no reason that ALL banks cannot accurately reflect a customer's available balance when they check online...if some can, they all can and should. Otherwise, don't offer the feature.
Posted by jktshff1 on 2010-01-22:
I guess it depends on when the item is posted by the store, if so, the bank has no control over it.
Made 2 purchases Wednesday. One from a gas station was posted immediately,
the other from Marshall's was just pending this morning.
Posted by Anonymous on 2010-01-22:
A wise man once said: "Don't write a check (or do a debit) that your ____ can't cash".
Posted by Anonymous on 2010-01-22:
Even with technology... if there's checks the OP has forgotten he/she's written and then the automated debits that come out that don't show up as pending either until they post. Technology can only do so much.
Posted by DebtorBasher on 2010-01-22:
That was Pirate who said that ZZ...a wise man for sure!
Posted by MissMae on 2010-01-22:
Now that I think about it, my bank posts debit transactions immediately as pending, but if I run my debit card as a credit card transaction, they don't always show up as pending right away, and usually show up a day or two later. I only do that if I'm somewhere that doesn't accept debit transactions or their machine is down and they have to run it as credit...I wonder if that could be causing the OP the issues they're having?
Posted by Anonymous on 2010-01-22:
DB: Actually it was two people: A check registry and a calculator.

M-Mae: Possibly.
Posted by DebtorBasher on 2010-01-22:
Oh I see...and you talk about ME having imaginary friends?
Posted by Anonymous on 2010-01-22:
DB, stay on topic. I am trying to help this individual!
Posted by Anonymous on 2010-01-22:
That's why it's said that the available balance... it doesn't necessarily reflect everything the OP has done. My student loan and time warner bill don't show up as pending... they don't show up on my account until they post (and that takes up to 2-6 business days). If I didn't keep a register, if I spent that money... when those things *did* post, all those purchases I made would probably overdraft (if the time warner payment and student loan payment drained my account).
Posted by Anonymous on 2010-01-22:
Once again it has been demonstrated that you ought to have to pass a test before you are allowed to have a checking account.

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