Wachovia unauthorized bankdraft ripoff Raleigh North Carolina
My Husband went through a terrible divorce in 2000. We met in 2003 and married in 2004. My husband owed on a truck he voluntarily returned to a bank called southtrust bank in Alabama. They sold the truck and it left a balanace of $13,000. My husband moved to NC and was notified the debt amount in 2002 and that his X-wife had filed bankruptcy and they wanted him to pay although they were co-signers.
Wachovia has since bought Southtrust. We have a joint bank account with Wachovia. They proceeded to take our ncome tax refunds, my retirement that was direct deposited , child support for my three children, and my paycheck as well as my husbands. A bank official, Mrs Stringer, told me they couldnt distinguish what money was mine or my husbands.
This is hard to believe since on my statement it shows my direct deposit from my check, a deposit from the NC child support enforement agency, and my IRA deposit with my name on it. My husbands part of the $7600.00 I know they have a right too. Do I have any rights to get money owed on a debt before I ever knew him? Now they have socked us with over a $1000.00 of overdraft fees for ripping me off. Help!!
Pam
winnabow, North Carolina
U.S.A.
1 Updates & Rebuttals
Robert
Wallingford,Connecticut,
U.S.A.
The joint account is what did you in.
#2Consumer Comment
Mon, April 24, 2006
You probably should have maintained a separate account in your name only at a different bank if your husband had an outstanding debt.
If Wachovia is like most other banks, they can, according to their account terms and conditions, take funds from any account that you have with their bank to satisfy an outstanding debt regardless of whose debt it is.
It may be a good idea to open an account in a diffent bank.
Good luck.