Wachovia Bank NA CUT OFF TIMES NOT DISCLOSED RESULTS IN $420.00 +$175.00 in fees Tampa Florida

The cutoff times are posted on the side of ALL wachovia atms AND, when you insert your card It will state : any deposits made after 4pm will not be credited until the next business day. If you make a deposit in the branch it prints on the bottom the EFFECTIVE day of the deposit AND In each teller window, it tells what time the cutoff time is. DID You ask what the cutoff time was?

That that State of Florida is what is known as a "two party" state, in that BOTH parties must have concent to be recorded. If you record someone without their knowledge or concent you have commited a crime and can be prosecuted. This is especially important if you did post it on a PUBLIC web site. The actual law is too long to post here but you can look up Florida Statute "934.03 Interception and disclosure of wire, oral, or electronic communications prohibited"

I did not listen to the recordings or pictures. However, when you called it all depends on how you ask. Your first like stated that you called them to make sure you could make a deposit and get cash back. Did YOU ask about any cut-off times?

As to the rest of your report I believe you are leaving things out. First of all after the deposit and refund you would figure you had $154 according to your numbers. You took out $120 leaving what you would think would be $34. Now, out of that $34 you had $420 in OD fees, that is about 12 Overdrafts. So are you saying you made 12 transactions with less than $34 in your account and still had enough in your "records" to stay positive? Not only that but to have another 5 Debits the next day? If so that means that your average transaction was about $2.

If this is truly what you did the first thing I would make sure is that you are keeping your own register. The next thing is to cut up your debit card for these small purchases. Take out cash and use that instead. You may still OD if you take too much out, but at least it would only be one fee instead of the many fees for these small transactions.