Wachovia Bank Ripoff nsf fees again Daytona Beach

Sorry to disappoint you, but I'm not playing games here Edward. I know people like you, who blame banks for EVERY penalty that a customer brings upon himself, will not believe this, but those of us posting against the OP are not supporting the banks. WE ARE TRYING TO HELP A MISGUIDED CONSUMER.

You believe that by posting against banks you are somehow empowering these irresponsible (I know you must just hate that word by now...but you cannot escape it. sorry) overdrafters. However, the truth is you are infantalizing them by falsely trying to portray them as victims and enabling them to continue losing money through overdrafting their accounts. They are not victims. They are people suffering consequences for their poor actions - actions that could have been avoided if they lived up to the terms and conditions that THEY SIGNED.

I will say it again...since YOU have failed to read and respond to THIS simple point: If you REALLY care about what happens to these types of consumers, you will stop with the throwing of endless, mindless, and useless pity parties for those who overdraft and blame everyone else but themselves. You will actually help these people if you advocate RESPONSIBILITY and urge them to do the right thing by properly managing their finances.

Edward, I have your answer...

(RE: "In the old days, how was it that everyone else in the world could balance their checkbooks except those with these important payments? And why did your precious bank and many others change their policies to suit them instead of giving them the advice you try to give to Deryl here?")

Banks cannot make everyone happy, that is why they do things one way for every account holder & they disclose that information to every account holder (whether or not the account holder reads it, that is another story...). The people that complained the most were those that had their mortgage/rent payments returned NSF since mortgage companies and landlords usually are extra harsh with return payment penalties. Ok, so the banks tried to listen & posted larger items first, that way your rent doesn't get returned because you had to have that $5 Big Mac. Yes, it can cause smaller items to be charged fees when they post, but that is the agreement: that you have available funds when you make the charge AND when it posts.

Now, if you are a responsible cardholder, you would keep enough money for everything and wouldn't spend beyond your means, so whether they post your charges up or down, left or right, you have money. Of course that policy suits the bank, because it is a checking account that was opened, not a loan! You can only spend your own cash and NO MORE and it is up to the cardholder to make sure of that.

Such a wealth of bank employees willing to come to bat for their precious employer on this thread! How noble!

Quote from Meisha 'How is that everyone else in this world knows how to keep a register and can keep their acct from overdrafting'. News flash for Meisha, who apparently didn't get the Wachovia memo. Everyone else, especially those with mortgage and rent payments CANNOT balance their checkbooks because they are 'supposedly' the reason that Wachovia and many other banks changed their posting order policies to prevent these important transactions from bouncing.

So let me direct your own question back at you. I have asked this on so many threads, I stopped counting. NO ONE has yet to answer it. In the old days, how was it that everyone else in the world could balance their checkbooks except those with these important payments? And why did your precious bank and many others change their policies to suit them instead of giving them the advice you try to give to Deryl here?

To Truth Detector. You're so obvious, I'm honestly tired of playing your game and will not go into further details to call you out, but you know exactly what I mean.

I mean really you was so quick to copy and paste your Statement before? Where is your statement now....Prove to everyone that Wachovia refunded you ALL your fees....How is that everyone else in this world knows how to keep a register and can keep their acct from overdrafting....But you just think that the bank is picking on you.....If you don't want the bank to keep screwing you over....How bout you keep track of how much you have in your acct and stop using the bank's money. OK

I mean really you was so quick to copy and paste your Statement before? Where is your statement now....Prove to everyone that Wachovia refunded you ALL your fees....How is that everyone else in this world knows how to keep a register and can keep their acct from overdrafting....But you just think that the bank is picking on you.....If you don't want the bank to keep screwing you over....How bout you keep track of how much you have in your acct and stop using the bank's money. OK

I mean really you was so quick to copy and paste your Statement before? Where is your statement now....Prove to everyone that Wachovia refunded you ALL your fees....How is that everyone else in this world knows how to keep a register and can keep their acct from overdrafting....But you just think that the bank is picking on you.....If you don't want the bank to keep screwing you over....How bout you keep track of how much you have in your acct and stop using the bank's money. OK

Challenge me on what? I have no reason to lie. I did get all my money back and you can call me on anything. If you work in the bank do the research you can see that it was all refunded. I tell you another bank employee who thinks he got all the answer. You can challenge me on anything you like and you can call them liies. I did get all my money back and thats a fact not an opinion. The over draft protection was there and duh I forgot to mention. Don't feel bad because I did get my money back.

Deryl is reading from the book of OPs we like to call DR FEELGOODs (I can't take credit for the name. I saw it on a previous thread similar to this one)

He has been exposed for what he really is...someone who spent more money than he had available per the terms and conditions he signed. But instead of taking the advice of some rebuttals to correct his situation, he has chosen to try to save face.

He is now expecting us to believe that all of the sudden this greedy bank has seen the light and refunded ALL his fees because he had Overdraft Protection. Interesting that we never heard ANYTHING about this overdraft protection in his original complaint (changing his story..how typical). However, in some lame, pathetic attempt to cry 'I won!', he posts this nonsense about the bank reversing fees that make them rich. RIIIIIIGGGHHHT.

Just like your interest in a class-action lawsuit, Deryl, your rebuttal reeks of dung. No one has EVER won a lawsuit filed over the ordering of transactions and subsequent fees. This practice has been upheld at every level in the courts - and is in the terms and conditions YOU SIGNED. Oh, and if you're going to try to use the NATIONSBANK lawsuit to prove your point, allow me to pre-emptively quash that argument before it begins. That lawsuit was for FAILING TO DISCLOSE the terms and conditions, not the ordering process or fees. In your case, wachovia does not open accounts unless you agree to this process via their terms and conditions. Ergo, you have no case.

Deryl, no one believes that this bank refunded all of the fees - so stop trying to save face by posting lies. And another thing, don't post on a public message board if you do not expect to be challenged on your so-called assertions. We can and will challenge you at every step if you post nonsense like this. Guaranteed.

This is for the person that says I don't know how to manage my account. You know who you are. First let me tell you I got all my money back because after research they found out it was their fault. I have overdraft protection so this should have never happen. Yes, I do keep a check registry and I did have $25.00 left as I stated. You must work for a bank for you to have an attitude like you have. Don't tell me what I need to do before you get all the facts. I did not have to pay for anything. I ended up getting all my money back plus more.

This is for the person that says I don't know how to manage my account. You know who you are. First let me tell you I got all my money back because after research they found out it was their fault. I have overdraft protection so this should have never happen. Yes, I do keep a check registry and I did have $25.00 left as I stated. You must work for a bank for you to have an attitude like you have. Don't tell me what I need to do before you get all the facts. I did not have to pay for anything. I ended up getting all my money back plus more.

This is for the person that says I don't know how to manage my account. You know who you are. First let me tell you I got all my money back because after research they found out it was their fault. I have overdraft protection so this should have never happen. Yes, I do keep a check registry and I did have $25.00 left as I stated. You must work for a bank for you to have an attitude like you have. Don't tell me what I need to do before you get all the facts. I did not have to pay for anything. I ended up getting all my money back plus more.

you are so right.banks only care about the money they can get out of you and the employees that work for are just as greedy as the bank.there are smart people who knows how to count and wachovia stills f**ks them over.like me for an example:i left ------- for wachovia because i was told there were better so i wanted to try them out.man what a BIG mistake i made. ---- has never did any thing to me and i never found myself paying nsf's or overdraft fees with them.but once i got with wachovia my money started to get missing and i would end up paying 400.00 in overdraft fee's.after i had to pay that 400.00 in fee's you best to believe to left those *&*& and went to bb&t(i felt bad for leaving boa)and i couldn't be happier with bb&t.at least i don't have to worry about my money getting missing.

BSN, there isn't a bank in the world that wouldn't do what you described in that little poignant story you weaved for us, except that the other banks wouldn't have given this woman back all of her money. It seems clear you and the banking industry were not made for one another, and it's probably a good idea you don't work there and if you are still in the industry - I would get out if I were you because you are way too sensitive to be working there.

Gabe pretty much nailed the situation down; the bank followed the policy it set out and the account holder agreed to. That's what the name of the game is; you follow their rules, not yours, in order to keep the bank from taking your money. There are a lot of idiots in this country who don't know anything about how their accounts work and don't know how to keep their money instead of the bank taking it from them in NSF's.

All banks could brag how much in NSF fees they make from customers; but that was the choice of the customer, wasn't it? However, there is much you left out of your tale that should be mentioned:

For example, you stated, "knowing she would overdraft the account. So, when she got charged the 'Funds Unavailable Fee' she was ok with that. THEN, for the SAME CHARGE, she was charged a 'Insufficient Fund Fee' when the charge posted. She overdrafted her account by 38 cents. And was subsequently charged $70!"

What you didn't indicate was how many times this person must have overdrafted their account; certainly it wasn't the first time - was it? If it had been, the account holder's 1st OD would not have been $35, would it? No, it would have been less. How many NSF's do you figure she incurred and gave money to the bank? Probably a lot. Yet, here we are, knowing she would OD the account, went ahead and did it anyway; to her it means nothing to OD an account.

The problem was that the bank messed up and NSF'd her 2X for the same transaction and for that - the bank ended up paying her the entire $70 back, not just the $35 they duplicated. If I'm the customer at that point - I'm pretty happy with the bank's customer service because I messed up and they gave me a free pass.

Is this customer at fault for being single and a mother. We all make choices in this life. It's not a fault - it's a choice and with choice comes responsibility for that choice, so the answer is yes, however the situation came to be.

Having a bank account of any kind means understanding and responsibility for that as well, so if she mismanages the account to the extent she has, that's on her too. She had a choice to OD her account just as she chose her life. Sometimes, as it did in this situation, it worked out for her. In others, not so well.

Does Wachovia stink? All banks stink - some worse, and some better. But if you're going to be particular about this bank citing the poor woman as an example, it sounds like Wachovia did the right thing for mistakes both parties made.

Well, our buddy Gabriel here sure does speak to the type of employees that Wachovia has. I worked at this bank for literally a month out of training and I couldn't handle some of the crooked and mean ways they handle people. I had one particular instance where a young mother had $15 in her account, and had to buy food for her infant, and she had to buy it BEFORE she got paid.. knowing she would overdraft the account. So, when she got charged the "Funds Unavailable Fee" she was ok with that. THEN, for the SAME CHARGE, she was charged a "Insufficient Fund Fee" when the charge posted. She overdrafted her account by 38 cents. And was subsequently charged $70! Doesn't seem fair, does it? ITS NOT. She came into my branch crying, while on the phone with Wachovia's 800 number. The woman on the phone went on to explain that it's not Wachovia's fault that she's a single mother, or that she had a child, and that her parents should have taught her to manage money better!! She also informed her that she was the ABSOLUTE LAST say in whether or not she would get a refund, and there was no one higher than her in the office. Seriously? EVERYONE has a boss. Once the young woman hung up, my branch refunded her every last cent. Somewhere, people have to have a heart in order to hold up their so-called reputation, and to get people coming back. That young woman could have very easily closed the account, and never messed with Wachovia again, and employees like YOU Gabriel help people make that decision. Working in a bank requires you to have compassion, cooth, and professionalism. All three of which, you seem to lack. You are dealing with people's livlihood, their MONEY. It's not a matter to condesend on people about, or to come on to this site and talk to people the way that you did. You are an inexcusable blemish on the mess that is Wachovia bank.

i'm not syaing you did anything wrong but everytime you make a purchase you need to write it down in your transaction book.that's the only way you can prove wachovia wrong.also keep the reciepts from the merchant you use a check or your debit card with.if you don't you'll end up trying to figure out where your money went to.i also have wachovia and you have to be careful with them.all i say is make sure you write down everything you do with account.

I must say that it is truly amazing how people such as yourself can't take your own responsibility to the transactions and subsequent overspending that you do.

Take some financial responsibility, okay? And in doing so, I'm sure you'll avoid overdrafting your account.

Apparently, you overspent on your account. Let's take a look:

The 27th, you were charged 4 unavailable funds fees.

These are for your last four transactions that posted to your account (Shell, Burger King, WalMart and Beauty Supply). Just the total cost of these transactions are $29.24.

Now your copy-paste isn't showing all the information, what did you have on your check card holds on the 27th? You didn't disclose this information. So I'm sure if you look at the next few post days after the 27th, there'll be something that would have posted and displays after the merchant name the date of when you swiped that card.

Apparently you had an item or items on checkcard authorized holds exceeding $29.24.

Did you make any deposits in your account? Nope, I don't see any of those, because if you had, it'd show a post date on or before the 27th.

Do you have an overdraft account? Probably not, because any reasonable person would establish one and have that money tied to the checking as a "backup" for your overspending ways.

Do you keep a register? I doubt that too... maybe you should, that way only YOU and only YOU knows how you're spending that money and to truly know what you have in your account.

Try to take more responsibility on your account and manage your funds. The Bank is not going to hold your hand and show you how to maintain an account... they will charge you when your overdraft or spend more than what you have.

It's not their fault you can't control your spending. It's yours, and you ultimately paid the price.