• Report: #636006
Complaint Review:

Wachovia/Wells Fargo Bank

  • Submitted: Tue, August 31, 2010
  • Updated: Tue, August 31, 2010

  • Reported By: Wachovia robbed me — Naples Florida U.S.A.
Wachovia/Wells Fargo Bank
4901 tamiami trail E, US 41, Naples, FL 34112 Internet United States of America

Wachovia/Wells Fargo Bank Unjustified Fees Internet

*Consumer Comment: Not adding up...

*Consumer Comment: google this

*Consumer Comment: Wachovia Robbed Me, You can watch the documentary on the web about the "evil banks" by 'Googling' this- FRONTLINE: INSIDE THE MELTDOWN, and you'll learn all about the "evil" banking system....

*Consumer Comment: your fault

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I am struggling to make ends meet.  No bail out for me.  Wachovia continues to steal what little money I have.  I wrote a $100 check on 8/23/10 at that time I still had $13.00 left in the bank.

The person I wrote my check to, went to my local Wachovia Branch walked in and cashed my $100 check.  They cashed it no problem.  Four days later I get, an insufficient funds fee and they charged me $35.00 for that peticular check.

I called Wachovia to try to straighten it out and they informed me that I was short .36 thats right 36 cents according to their records not mine, so they cashed the check and charged me $35.00 for it. 

They should not cash a check if the funds are not available, but they do because it is a 2 billion dollar a year business to them and who pays them we do.

It is time to contact politicians and let them know we have had it with the bank fees and the credit card fees etc.

Bank of America did the same thing and have now changed their policy, if it is under $10 they do not charge overdraft fee.

I want to be paid in cash and I will keep it with me, and let all these banks go under, no more bailouts.......



This report was posted on Ripoff Report on 08/31/2010 10:19 AM and is a permanent record located here: http://www.ripoffreport.com/reports/wachoviawells-fargo-bank/internet/wachoviawells-fargo-bank-unjustified-fees-internet-636006. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Not adding up...

AUTHOR: Ronny g - (USA)

In this case I will not get into a debate regarding personal responsibility vs. bank rip offs.

I will take this report at face value.

The report seems to state, that a $100.00 check was written against an account that only had $13.00 in it.

This would logically conclude an overdraft of $87.00.

However, the OP claims the account was overdrafted by .36 cents.

So, before any of us accuse the bank of any wrongdoing in this case...the simple math needs to add up.

I will state, when you write a check it is a COMMITMENT, much like cash. It is the responsibility of the check writer to make sure the account can cover the amount of the check. Sure, the bank at it's discretion can decide not to cover it...but then you STILL are subject to a fee (NSF), and possibly an additional fee from whomever you write the check to..and any fees they may have incurred due to a bad check.

So, the bank actually did you a favor by covering this check..it potentially saved you from even more fees.

I no longer bank with Wachovia, and when I did granted I discovered they were certainly less then ethical to put it nicely in some instances...but if you bounce a check, you get a fee..from ANY bank or credit union.

I am not familiar if there is any grace from other banks that forgive if you only go over by a certain amount. I do know many bank allow for debit cards to go 5 or 10 dollars over and avoid a fee. But regardless...I would like to know how writing a check for $100.00 when there is only $13.00 left in the account can possibly equal a .36 overdraft. Unless I missed something?
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#2 Consumer Comment

google this

AUTHOR: Stacey - (U.S.A.)

GROW UP! Take responsibility for your own monies and stop spending money you do not have - this is your fault and not the banks

BTW My bank did not get a bailout and I get charged NSF fees if I overdraw my account

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in the USA, okay?

Then 'Google' this- FRONTLINE: THE WARNING, and watch that documentary on the web to learn more about the "evil banks" & the bankers who controlled, and still control Washington D.C.

Make sure to 'Google' this- ORIGINAL DISSENT WHO CONTROLS THE U.S. ECONOMY, and take a look at all of the people pictured there, okay? Many are bankers, correct?

Don't forget to 'Google' this- WACHOVIA COMPLAINTS SECRET LIFE INSURANCE POLICIES, and read about all the "evil banks" that have taken out "secret life insurance policies" on their current & former employees.

Thank You
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#4 Consumer Comment

your fault

AUTHOR: Nancy - (U.S.A.)

Why does everyone blame the "evil banks" for their lack of recordkeeping skills?  IF you only had $13.00 in the bank, WHY did you write a check for $100?  I'll bet you do NOT keep a register. I think you have the right idea about doing everything ona  cash basis.  That would solve the problem.
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