Ripoffreport Report Image According to BOTH my account snap shots below you keep OD my account way after the fact and this is NOT right you owe me the$22.00 from 12/21 back as well as the $15 from the 22nd and the $35 from the OD fee as there were NOT any fees on my account when i made the w/d and you added them after the fact on 2 separate days. !

You owe me a total of $72.00

If this is not rectified this week we will be sending in complainants as we have snap shots of the accounts that these are being done to as well as have copied you below as to what information we were given at the time w/d were made the BBB we were told to contact the BCI as well as the Virginia banking authorities. As well as any other investigation services we can.

This is pertaining to this account as well as my other account on banking practices for your bank when cash is deposited and customer told it will be applied immediately and your bank waits to deposit it until the next day you caused me an OD of $140 and if the teller would have just told us if we used the ATM it would go instantly we would have done this, this is NOT good or Fair Banking Practices. Almost , well maybe can be classified as theft we will see if we need to take things to customer service help at a state or national lever. We have had it.

And do NOT give me some 800# to call as we have tried that many times and stuck on hold which only makes the situation more frustrating then they tell you oh, we can not help but we do see what your talking about but you have the wrong department the bank can not help you, 800-WACHOVIA - (800-922-4684) here call this number then his #0#0 to get through faster and then you still sit on hold. NOT customer friendly. When i get a fee for something i did then that's understandable but this is NOT right what your doing.

Date: Wed, Dec 22, 2010 at 11:45 AM

Subject: wachovia balance 12/22/2010

Account Activity

Account Overview

Pending Transfers

Pending Bill Payments


						to
							(MM/DD/YYYY)

Posted Balance

as of

12/21/2010 :

$0.00 *

Available Balance

as of

12/22/2010 :

$0.00 **

(View Holds)


Date	Type	Description	Withdrawals	Deposits	Balance
Transactions for: FREE CKG 02 *2478
12/22/2010	Other	TRNSFR 12/22	$2.00		Processing
12/22/2010	Other	TRNSFR 12/22	$45.00		Processing
12/22/2010	Other	TRNSFR 12/22	$5.00		Processing
12/22/2010	Deposit	FUNDS TRANSFER (ADVICE )		$52.00	Processing
12/21/2010	Deposit	TRNSFR 12/21		$36.06	$0.00
12/20/2010	Other	OVERDRAFT/UNAVAILABLE FUNDS FEE	$22.00		($36.06)
12/20/2010	Other	TRNSFR 12/20	$620.00	THIS WD WAS TAKEN B4 THEY ADDED THE FEE and AFTER OTHER TRANSFERS WERE MADE AGAIN	($14.06)
12/20/2010	Other	MISCELLANEOUS FEE DOMESTIC INCOMING WIRETRANSFER	$15.00		$605.94
12/20/2010	Deposit	FUNDS TRANSFER (ADVICE 2010122000009796)		$619.94	$620.94
12/14/2010	Deposit	TRNSFR 1010275218014 12/14		$1.00	$1.00

Click Here to read other Ripoff Reports on WACHOVIA Wells and Fargo Company

8 Updates & Rebuttals

Just a normal guy

Maryland,
United States of America

Karl, enough

#2General Comment

Thu, January 13, 2011

Stop SPAMMING EVERY SINGLE BANKING THREAD and try to provide constructive information for the situation at hand.

Karl

Highlands Ranch,
Colorado,
USA

***NATIONWIDE MORTGAGE ALERT: MAKE SURE TO STAY AT THIS SITE AND TYPE IN- MERRILL LYNCH, and read St. Clair's Ripoff Report....

#3Consumer Comment

Thu, December 30, 2010

for valuable information if you have a mortgage.

*Then type in- BANK OF AMERICA, and read all of the Ripoff Reports for even more information.

Thank You

HAPPY NEW YEAR

Yabadabado

columbus,
Georgia,
U.S.A.

sure, no rip off

#4Consumer Comment

Wed, December 29, 2010

The mass of protoplasm with their gludius-maximum between their legs having less intelligence then the vacume of space must be someone engaged in the questioonable practice of being a lawyer. Read what the bible says about them. I bet you have read ALL contracts BEFORE you agreed to them. Be it computer program or bank statement.

Karl

Highlands Ranch,
Colorado,
USA

WORLDWIDE ALERT: THE BANKS IN THE USA HAVE TAKEN OUT $120 BILLION IN "SECRET LIFE INSURANCE POLICIES" ON THEIR EMPLOYEES....

#5Consumer Comment

Sat, December 25, 2010

according to articles available on the web.

*Anyone can 'Google' the following for proof-

WACHOVIA COMPLAINTS SECRET LIFE INSURANCE POLICIES

BANK EXECUTIVES PROFITING ON THE DEATH OF EMPLOYEES

WELLS FARGO COMPLAINTS SECRET LIFE INSURANCE POLICIES

Thank You

*************************** MORTGAGE ALERT ***************************

*Make sure to stay at this site and type in 481508 and read St. Clair's Ripoff Report for valuable information if you have a mortgage.

MERRY CHRISTMAS!

Striderq

Columbia,
South Carolina,
U.S.A.

Explaination of fees...

#6UPDATE EX-employee responds

Sat, December 25, 2010

The $15 fee is for processing a wire transfer into your account. It will post imediately after the wire transfer during the processing that starts at midnight. So during the day, your available balance would have included the $15but whenit was accessedyour withdrawal caused the balance to gonegative. Additionaly if the $52 was a wire tranfer there will be a $15 fee accessed on that aswell. The fee is listed in your Schedule of Fees & Services you got when you opened your account. And is also shown online. When yougot the wire tranfer routing numbers did you ask if there would be a fee? Basical all banks are ow charging a fee forany additional service. So people that never paid fees before will now see fees accessed. The only exceptions will be accounts that require high balances to avoid the fees.

Stacey

Dallas,
Texas,
U.S.A.

Dear Santa

#7Consumer Comment

Sat, December 25, 2010

Make the troll disappear! Thank you Santa.

Karl

Highlands Ranch,
Colorado,
USA

WACHOVIA IS LINKED TO THE FEDERAL RESERVE. THE FEDERAL RESERVE CAN OBVIOUSLY DO....

#8Consumer Comment

Sat, December 25, 2010

whatever they want, because they control the banking system, the U.S. government, & Wall Street, in my opinion.

*Anyone can 'Google' this- WHO OWNS THE FED?, and go to the site with the 5 charts and see that Wachovia Corporation appears in 'Chart 3', correct?

Wachovia/Wells Fargo also has $17 Billion in 'secret life insurance policies' on its current & former employees.

*Just 'Google' the following and read the related articles for proof-

BANK EXECUTIVES PROFITING ON THE DEATH OF EMPLOYEES

WACHOVIA COMPLAINTS SECRET LIFE INSURANCE POLICIES

In short, the Federal Reserve is above the 'law', and is permitted to do whatever it wants, in my opinion.

************************ FEDERAL RESERVE ALERT ***********************

*Make sure to 'Google' this- AMERICA: FREEDOM TO FASCISM, and watch it on the web for more information about the Federal Reserve.

Thank You

MERRY CHRISTMAS!

Robert

Irvine,
California,
U.S.A.

No RipOff

#9Consumer Comment

Fri, December 24, 2010

While it isjust aboutimpossible to tell what your RipOff is based on what you wrote. If you look at the on-line listing you posted(which by the way was never meant to be a method to manage your account), YOU are in the wrong.

Between 12/14 and 12/20 you had two deposits bringing your total account balance to $620.94

On 12/20 you had 2 Withdraws for a total of $635. That put you overdrawn by $14.06 and as a result the charged you a $22 overdraft fee. That is totally valid. Aday later there was another transfer to bring your account to $0.00 and another transfer of $52 which apparently is to cover the other 3 transfers out. That is IF that is all of the transfers that need to post.

Now, I don't know what you have and have not edited because I am sure they didn't make that note about when the overdraft fee was assessed. But you seem to be doing a lot of transfers in/out of your account and if you are not keeping accurate records in a written register along with your low balance you will continue to have issues.

With all of that said it appears your issue started with the Wire Transfer Fee that was assessed. Free Checking only refers to "monthly service fees", it does not apply to other fees that may be assessed. This Wire fee is pretty standard and if you read over the fee schedule of your account you would have found out that this would have been charged, and should have accounted for it.

Reports & Rebuttal