Wachovia Bank I opened a checking account with the promise that they would NOT put a hold on my payroll checks and they would pay me $25.00 bonus and give one to the friend who recommended the bank. Fort Myers, Florida

It wasn't long before I realized that the no holds payroll deposit was only at the branch where I opened the account, unfortunately not the most convenient location to my work and while my friend a long standing Wachovia customer received her $25.00 bonus I received none.

I went back to the branch where I opened the account to inquire about the promises that were made and not honored.  The particular customer service rep that opened my account was not there anymore.

When the new customer service rep told me that it was not policy to credit payroll checks without a hold on new accounts and couldn't offer an explaination for the delay in the $25.00 bonus I told him to just close the account I would use another bank.

I was informed if I closed a new account within 90 days that there would be a cancellation fee (I don't remember the amount I just remember I didn't care for the tactic).  I told him I didn't care what he did I wasn't going to be held hostage by Wachovia and I gave him my debit card and left.

Over a year has past and now I get a collection letter stating I owe this debt collection company $50.77 on behalf of Wachovia with the threat to take further legal action if not paid.

I will not be bullied or badgered by any corporation for closing an account!