Wachovia Intentionally misleading online statements Fuquay Varina, North Carolina

In filing a complaint here, you need to be providing sufficient information for readers to understand exactly WHAT is going on.

The first part of your complaint regarding re-sequencing the order in which checks, debit card transactions, etc are processed is an all too familiar one I've seen many times here on the ROR site.  One thing I have also noted is that in quite a few instances, the problem is the complainants' filing a report here will often fail to maintain an accurate check register, and some are just playing the old game of "beat the check to the bank." 

(I.e. writing a check without sufficient funds to cover it a day or two in advance of say, a direct deposit of the person's paycheck which is scheduled to be posted to the person's account within the next day or two). 

The 2nd half of your complaint doesn't even begin to provide ANY idea of what you are talking about!  I myself just happen to bank with Wachovia too, and have never experienced anything along the lines of what you are alleging here.  It appears you need to become more educated about just how the on-line account access system works at Wachovia.

May I strongly suggest in the future you try and provide more detailed info when posting a complaint here...particularly if you are looking to obtain some helpful information from others.  By "detailed"...I am NOT referring to personal info , such as, your name, account number, address, etc. 

It sounds as if you are enrolled in overdraft protection. There are two ways to solve your problems.

First of all, you mention an online account balance but you make no mention of what your check register says. Online banking is not intended to be a substitute for your responsibility to manage your finances. The system just isn't accurate enough for that purpose because it depends too heavily on the merchants and when they submit charges.

If you do not have the skills to manage your account, you should opt out of overdraft protection. You still won't be able to use online banking to learn your account balance but it should reduce the overdraft fees.