WACHOVIA BANK Wachovia Bank Outrageous NSF Fees and way of system Internet

Your problem is with the Internet company who made the mistake in taking out the funds from your account.  They are the one who are responsible for the OD fees that THEY caused.  THEY are the ones you need to go to to get them to reimburse you. 

Yes many years ago the bank MAY have refunded the fees.  But there was so much fraud by customers(not that I am saying you are doing that) that just about every bank has taken the stand that unless it is the bank's error they will not refund the fees.

And just a side note as to your managing of your account.  You mention phone, on-line banking, and keeping every single receipt.  Those are good, but it is not complete.  No where do you mention you keep a written register.  Everytime you make a transaction you need to write it down in your register.  This actually will make your bookkeeping a lot simpler.  As you will not have to keep looking at your on-line balance and then trying to match up that with your receipts that have not been posted yet.  Without a register you have been lucky so far and a register would not have helped you in this case.  But there will be a time where the lack of a register will come back and cause you problems.  Then that time it will be your fault.