Wachovia using atm machines to fabricate over draft fees Douglasville Georgia

The bank wants you to get into online banking, sure. They tell you it's convenient, sure. they'll tell you about all of the benefits, how wonderful it is, etc., but it's really only the tip of the iceberg.

You already know banks love money, and that they love your money, but they also love their own money. The more people they can get dependent on online or by-phone banking, the more they can swing the axe internally.

They hope more people they can get doing their banking solely via internet, phone or ATM, the less living, human tellers they have to justify having on staff. The axe falls and the job cuts start happening.

There are even some bank "mini branches" that are nothing but an ATM! All it costs the bank is the maintenance on the machine and the cost of the armored car service to empty and refill it. more dough for the fat cats.

Thing is, people are buying into it. I've seen people do their entire personal banking; paying the bills, making deposits, having auto withdrawals done... all without ever stepping up to a live teller... and people wonder why wait times in the lines are so long and why the overall customer service tends to suck so hard. You also notice more and more "full service" branches are closing their doors?

Naturally, this all allows them to keep everything "in house", in a centralized place, like the BoA building, and it allows them to keep the operating costs lean: no more paying for all those branches, the people to operate day to day transactions, no paying cleaning staff after hours, etc.

As for what Robert said about getting off the pre-authorized debit merry-go-round, it's a weaning process. You'll find timing is everything as you'll have to juggle when to stop a service withdrawing funds, or a scheduled deposit to your account so that you don't get shafted in the transition. It can be done, but takes a watchful eye.

I stopped pre-authorized transactions ages ago, and have never been happier about it. I'm in control of who gets what when, no one else, and I will not do business with any entity that doesn't offer an alternative to pre-authorized transactions, period. The furthest I'll go, is set up my account so that I can simply pay via online banking as such, but I decide when that happens, not them.

Once in a while I may pay a bill online early, sometimes a couple of days late, but I know that I'm not at the mercy of a pre-authorized transaction that's going to bounce back if I'm a day late and a dollar short.

You may or may not be trying to insult me..I believe you are genuine and sincere. But you are under the impression..or trying to convey the impression by your last response that I am some kind of drunk, out of control internet user and spender.

That is simply untrue. What I admitted to and apologized for was an incidence where I did have a few drinks and go onto this forum..it was not the wisest move I know..but I don't have to be told by anyone what I can and can not do..I am, believe it or not an adult..a responsible adult..I live within my means..and do not frivolously spent..or shop on line, or conduct any banking or finances under the influence. We are all human (well most of us) and we all make mistakes (although some of us think we are beyond a mistake or apology). And I am also sorry that there may have been times I misjudged you..but it got to the point where there were enough attacks against me in a row that I was lumping anyone giving me criticism..even if constructive...into one category..I won't say the name of the category as it is not very pleasant.

And I never came on here fishing for fights initially. I came on to lodge my rip off report and the attacks commenced. Even some who may have meant well rebutted in such a condescending way..not to mention insults and name calling..so yes..I got defensive, and will continue to do so until I am either bored of it, which is soon coming..or I am spoken to with dignity and respect..not like I am some kind of child that can't handle banking and finances. I also don't enjoy being told I am raving and ranting when I am simply a passionate writer...my physical demeanor is relaxed, cool and layed back..but there is some anger inside when I see the banks getting away with what they do..and instead of any compassion...people are told it is all their fault. We may disagree..but why can't we simply agree to disagree without the personal attacks? I don't get it?

And Robert..I understand your "specific methods" for avoiding overdraft fees..and I agree with them all. But the issue I am having is not how to avoid overdraft fees as I am very very aware and have and am taking steps. But since I can not stop my direct deposit from coming in (it takes two weeks they told me), and I can not stop auto debits that are already released, I am at their mercy for the time being..but thank you for your advice regardless. My intent was always since my first post to get my money out of that bank ASAP...but it doesn't right the wrongs that have been done to myself and others..and nothing anyone says will convince me that wrong hasn't been done... so don't bother, it is redundant times 1000.

So you don't need to tell me to get off my computer...and you don't need to tell me to quit drinking..it is a rare occurrence and you no longer need to tell me how to avoid overdrafts..I have read all your advice and appreciate it.

As far as going back to checks...I never would have stopped if the bank didn't bash into my skull that I need to open an online account.."how wonderful life will be if you open an online account"..."why don't you have an online account?"..."an online account is safe and convenient".."here is your pin number for your online account..you have an online account right??" "bank online with Wachovia, it's easy and great"...etc etc etc...this is what I got from the bank in letters..in person..from tellers..bankers..they must have wanted us all to bank online for a reason..and it is clear as day to me the exact reason they pushed and promoted on line baking so aggressively..wouldn't you agree? Or is it still all the customers fault? Perhaps it is..we were suckered and duped. But in my logic this does not make it right..and does not mean they should get away with it forever. Am I really being so unreasonable? Or am I asking these questions in the wrong place?

""Other then that I don't know if the last replies were more boring then ignorant so I will end it here.""

I'll give you credit for the apology you posted, but you really should stay OFF your computer when your drunk.

I can only hope that you don't do any online banking or online purchasing while you're "having one too many."

If I were you, I'd spend less time getting drunk and fishing for fights on the internet and MORE TIME calling your bank and other to CANCEL ALL of the automatic debits comming out of your bank account.

I can't believe you didn't do this LAST WEEK when I gave you some very specific methods for avoiding OD/NSF fees.

I understand the bank may have started the issue, but autodebits compound the issue immensely.

Get off the computer, quit drinking, and get to work doing what you need to do to seize control of YOUR MONEY. Auto debits are nothing but trouble for anyone who lives paycheck to paycheck.

Go back to mailing checks.

""Other then that I don't know if the last replies were more boring then ignorant so I will end it here.""

I'll give you credit for the apology you posted, but you really should stay OFF your computer when your drunk.

I can only hope that you don't do any online banking or online purchasing while you're "having one too many."

If I were you, I'd spend less time getting drunk and fishing for fights on the internet and MORE TIME calling your bank and other to CANCEL ALL of the automatic debits comming out of your bank account.

I can't believe you didn't do this LAST WEEK when I gave you some very specific methods for avoiding OD/NSF fees.

I understand the bank may have started the issue, but autodebits compound the issue immensely.

Get off the computer, quit drinking, and get to work doing what you need to do to seize control of YOUR MONEY. Auto debits are nothing but trouble for anyone who lives paycheck to paycheck.

Go back to mailing checks.

""Other then that I don't know if the last replies were more boring then ignorant so I will end it here.""

I'll give you credit for the apology you posted, but you really should stay OFF your computer when your drunk.

I can only hope that you don't do any online banking or online purchasing while you're "having one too many."

If I were you, I'd spend less time getting drunk and fishing for fights on the internet and MORE TIME calling your bank and other to CANCEL ALL of the automatic debits comming out of your bank account.

I can't believe you didn't do this LAST WEEK when I gave you some very specific methods for avoiding OD/NSF fees.

I understand the bank may have started the issue, but autodebits compound the issue immensely.

Get off the computer, quit drinking, and get to work doing what you need to do to seize control of YOUR MONEY. Auto debits are nothing but trouble for anyone who lives paycheck to paycheck.

Go back to mailing checks.

""Other then that I don't know if the last replies were more boring then ignorant so I will end it here.""

I'll give you credit for the apology you posted, but you really should stay OFF your computer when your drunk.

I can only hope that you don't do any online banking or online purchasing while you're "having one too many."

If I were you, I'd spend less time getting drunk and fishing for fights on the internet and MORE TIME calling your bank and other to CANCEL ALL of the automatic debits comming out of your bank account.

I can't believe you didn't do this LAST WEEK when I gave you some very specific methods for avoiding OD/NSF fees.

I understand the bank may have started the issue, but autodebits compound the issue immensely.

Get off the computer, quit drinking, and get to work doing what you need to do to seize control of YOUR MONEY. Auto debits are nothing but trouble for anyone who lives paycheck to paycheck.

Go back to mailing checks.

I said "Mr. Shortbus" because of what you said to me..sarcastic yes..but not meant to get personal like you did to me. And the twisting continues.

Other then that I don't know if the last replies were more boring then ignorant so I will end it here.

Ronny, you really, REALLY need to stop trying to appear intelligent via applying analogies...

Because you TRULY suck at making them. Honest. Let's look at your latest bowel cruncher here:

''if I wrote up a terms and conditions contract that stated if you overdraft I own your first born, your house and will take a finger, that does not make it legal if you sign it and agree. Just because something is written in a terms and conditions contract..does not make it legal, ethical..or right''

First, any twit knows that the 'first born' thing is against existing laws in the realms of child slavery and human trafficking. Thus, it's actually actionable in a court of law as an illegal transaction.

As for the house and finger thing, if said house, which is an inanimate entity, is my justly acquired personal property, I can do whatever I wish with it. I can also burn it down if I so desire, as long as I don't attempt to bilk an insurance agency for it or kill someone in the process.

The finger? It's *my* finger. No one holds any lien on it, I don't rent it and I don't have to seek permission from any other party to use or dispose of it as I choose. So, given this, if I so desired, I COULD, in fact, enter an agreement that would forfeit my house and digit if it so pleased me. The question on if it was 'legal, ethical or right' is my call to make and mine alone.

I suppose you missed that news article where one guy paid another to cut off his p***s, cook it and eat it with him, and in the end there was not a thing the law could do about it, as the agreement was entered into willingly by both parties and there was no law on the books to prevent such a transaction.

Anyway, despite the incredible amount of lulz you're generating here at your own expense, if the agreement tendered by a financial institution were so illegal as you'd have people believe, there would have been some manner of brakes put on the practice long ago and some sleazebag lawyer would be retired and living it up somewhere, doing rails of blow off the backside of some barely legal tartlet on a yacht in the Bahamas for sewing that little illegality up.

Hasn't happened though in all these years now, has it? Wonder why?

I certainly hope that you list the docket number once you get enough sheep in your flock to bolster your windmill tilting, as I may like to start a betting pool on how fast of a failure your effort becomes.

"I won't stoop to your level and call names like a child or an angry psychopath, nor am I insulated or the least bit bothered by your rantings and ramblings...all I can hear is clicking sounds coming from you. A fly in the room would bother me more then you..insignificant Wachovia employee most likely....but I will say this...."

Are you still clinging to the "bank employee fallacy"?



"if I wrote up a terms and conditions contract that stated if you overdraft I own your first born, your house and will take a finger, that does not make it legal if you sign it and agree. Just because something is written in a terms and conditions contract..does not make it legal, ethical..or right"

A contract with illegal terms is not enforcable in court. Tha bank's agreement is legal, but I suspect that you will have to learn this the hard way. If the terms are not to your liking, walk out. I do it all of the time for deals that I deem unfavorable.



". And the class action lawsuits WILL get us back every penny these criminals have bilked from us..mark my words.""

Okay, be sure to post the docket number of the case so that we can all follow your progress. Criminals, eh? What law was broken?



"Notice the last sentence there Mr. Shortbus???"

Do you realize that in your previous post you wrote that you wouldn't resort to name calling like an angry child or a psychopath? That didn't last long, did it?



"Oh and this should be stated as well because as I read through more and more of the complaints about the way this bank conduct business..I am kind of getting tired of the replies about how prevent overdraft and NSF fees."

Then don't read them. It might help with this internet-aggressiveness you are going through.


"NO ONE IS ASKING HOW TO PREVENT OD/NSF FEES..."

Some people are and some others can obviously use a few pointers. Robert posts his advice in case the OP is interested. If the OP isn't interested, he or she can simply close the browser tab.


"and no one is asking the bank to dismiss legitimate OD/NSF fees."

You must not have read very many reports on this site. It's filled with people who want legitimate overdraft fees to be dismissed.


"No one needs to be told to use a register"

Not even the people who aren't using one and wonder why they have to pay hundreds or even thousands of dollars worth of fees?


"and no one needs to be told that the bank is not at fault because of the terms and conditions contract. (Not everything in a contract is always legal..regardless of who agrees)"

The key issue is whether or not the bank's agreement is legal and I think that you will eventually find that it is.


"All we want (AND TRUST ME WE WILL GET IT) is the money ROBBED from us back due to the 're-sequencing' SCAM.."

You weren't robbed. I'd love to see the docket number for your lawsuit.


"We do not want a refund for any legitimate overdrafts or NSF fees, we want a refund from ANY and ALL fees that were charges as overdrafts when the funds were available at time of transaction..that simple..."

Well, you're certainly not speaking for everybody who claims to have been robbed, raped, murdered, etc by the banks. Many of them DO want legitimate fees refunded.


"if you do not understand something that simple keep your insults and berating comments to yourselves. "

Take your own advice.


"As well we don't require any more double talk because it will fall on the same type of deaf ears that you EMPLOYEES or PRO bank X*X*X*X (I won't cuss here) use to listen to us."

Hardly deaf ears since you made it your personal quest to stalk Robert and rebuttal his advice post. You obviously must be paying attention to what is being written here if you work yourself into such an emotional state. Those of us who know how to manage our accounts and choose not to donate money to the bank thank you.

Report after report you keep claiming that the fees are "hidden". As was pointed out I am not even a customer of the bank and it took me 30 seconds to find the entire fee schedule, so how "hidden" can they be? What do you want them to do that would have you say they were not hidden? Did you want them to go line by line and have you sign each part? I can tell you that even if they did this and had you on video doing this, 6 months later when you got hit with a fee you would be saying that you were never told of these "hidden" fees.

A vast majority of account holder "get it" and do not overdraft their accounts. Yes, these are people who live "paycheck to paycheck" as well. The difference is that they actually realize that it is THEIR money and they take the responsibility to manage it.

You also keep bringing up Class Action Lawsuits. I do not believe that there has been a single Lawsuit that determined any of these fees to be illegal. Congress has refused to take up these fees, basically saying that the banks can charge what they want. So you can keep hoping that some magical Class Action Lawsuit will make these fees go away. However, if you really think that the fees are illegal then why not start a suit yourself. Because in the very remote chance that there was any settlement, that is the only way you would see any money. Because the "class" members would be lucky if they get 1 or 2 fees back.

So as a better option, you can actually spend a small amount of time to manage your account. I can guarantee you that the time you are spending trying to prove that the banks are "evil", is more than enough time for you to not only have found these fees but to manage your account.

Once again I am not now, or have ever been an employee of this or any other bank.

I shouldn't be defending myself for anything you said which was pretty rude to me personally..but just to clear the record, my using the word "sinister" had nothing to do with crazy conspiracy theories or 9/11 or whatever you are conjuring up in your prejudgment of me and getting personal...

It was merely a sarcastic reference to something that Edgeman of Chico, California
stated in his post titled: "Where is the ripoff here?"

Copied and pasted post....

"The $2 fee is disclosed in the fee schedule. Hell, I was able to find it in the checking account description:
https://sites.wachovia.com/checking/free-checking-account.html#panel3
'Non-Wachovia ATM Withdrawals or Inquiries, $2
When you make a transaction or balance inquiry at an ATM not owned by Wachovia, we may charge you a fee and you may be charged a fee by the ATM owner or operator.'
So when you withdraw $40, you take out your check register and record the $40 withdrawal, the $2 fee and any fees that the ATM owner might have charged.
Nothing sinister at work here, just poor financial management"


Notice the last sentence there Mr. Shortbus???

Maybe you need to read through these reports a little slower?

Oh and this should be stated as well because as I read through more and more of the complaints about the way this bank conduct business..I am kind of getting tired of the replies about how prevent overdraft and NSF fees. GET THIS CLEAR...
NO ONE IS ASKING HOW TO PREVENT OD/NSF FEES...and no one is asking the bank to dismiss legitimate OD/NSF fees. No one needs to be told to use a register..and no one needs to be told that the bank is not at fault because of the terms and conditions contract. (Not everything in a contract is always legal..regardless of who agrees)

All we want (AND TRUST ME WE WILL GET IT) is the money ROBBED from us back due to the "re-sequencing" SCAM..We do not want a refund for any legitimate overdrafts or NSF fees, we want a refund from ANY and ALL fees that were charges as overdrafts when the funds were available at time of transaction..that simple... if you do not understand something that simple keep your insults and berating comments to yourselves. As well we don't require any more double talk because it will fall on the same type of deaf ears that you EMPLOYEES or PRO bank X*X*X*X (I won't cuss here) use to listen to us.

I shouldn't be defending myself for anything you said which was pretty rude to me personally..but just to clear the record, my using the word "sinister" had nothing to do with crazy conspiracy theories or 9/11 or whatever you are conjuring up in your prejudgment of me and getting personal...

It was merely a sarcastic reference to something that Edgeman of Chico, California
stated in his post titled: "Where is the ripoff here?"

Copied and pasted post....

"The $2 fee is disclosed in the fee schedule. Hell, I was able to find it in the checking account description:
https://sites.wachovia.com/checking/free-checking-account.html#panel3
'Non-Wachovia ATM Withdrawals or Inquiries, $2
When you make a transaction or balance inquiry at an ATM not owned by Wachovia, we may charge you a fee and you may be charged a fee by the ATM owner or operator.'
So when you withdraw $40, you take out your check register and record the $40 withdrawal, the $2 fee and any fees that the ATM owner might have charged.
Nothing sinister at work here, just poor financial management"


Notice the last sentence there Mr. Shortbus???

Maybe you need to read through these reports a little slower?

Oh and this should be stated as well because as I read through more and more of the complaints about the way this bank conduct business..I am kind of getting tired of the replies about how prevent overdraft and NSF fees. GET THIS CLEAR...
NO ONE IS ASKING HOW TO PREVENT OD/NSF FEES...and no one is asking the bank to dismiss legitimate OD/NSF fees. No one needs to be told to use a register..and no one needs to be told that the bank is not at fault because of the terms and conditions contract. (Not everything in a contract is always legal..regardless of who agrees)

All we want (AND TRUST ME WE WILL GET IT) is the money ROBBED from us back due to the "re-sequencing" SCAM..We do not want a refund for any legitimate overdrafts or NSF fees, we want a refund from ANY and ALL fees that were charges as overdrafts when the funds were available at time of transaction..that simple... if you do not understand something that simple keep your insults and berating comments to yourselves. As well we don't require any more double talk because it will fall on the same type of deaf ears that you EMPLOYEES or PRO bank X*X*X*X (I won't cuss here) use to listen to us.

I shouldn't be defending myself for anything you said which was pretty rude to me personally..but just to clear the record, my using the word "sinister" had nothing to do with crazy conspiracy theories or 9/11 or whatever you are conjuring up in your prejudgment of me and getting personal...

It was merely a sarcastic reference to something that Edgeman of Chico, California
stated in his post titled: "Where is the ripoff here?"

Copied and pasted post....

"The $2 fee is disclosed in the fee schedule. Hell, I was able to find it in the checking account description:
https://sites.wachovia.com/checking/free-checking-account.html#panel3
'Non-Wachovia ATM Withdrawals or Inquiries, $2
When you make a transaction or balance inquiry at an ATM not owned by Wachovia, we may charge you a fee and you may be charged a fee by the ATM owner or operator.'
So when you withdraw $40, you take out your check register and record the $40 withdrawal, the $2 fee and any fees that the ATM owner might have charged.
Nothing sinister at work here, just poor financial management"


Notice the last sentence there Mr. Shortbus???

Maybe you need to read through these reports a little slower?

Oh and this should be stated as well because as I read through more and more of the complaints about the way this bank conduct business..I am kind of getting tired of the replies about how prevent overdraft and NSF fees. GET THIS CLEAR...
NO ONE IS ASKING HOW TO PREVENT OD/NSF FEES...and no one is asking the bank to dismiss legitimate OD/NSF fees. No one needs to be told to use a register..and no one needs to be told that the bank is not at fault because of the terms and conditions contract. (Not everything in a contract is always legal..regardless of who agrees)

All we want (AND TRUST ME WE WILL GET IT) is the money ROBBED from us back due to the "re-sequencing" SCAM..We do not want a refund for any legitimate overdrafts or NSF fees, we want a refund from ANY and ALL fees that were charges as overdrafts when the funds were available at time of transaction..that simple... if you do not understand something that simple keep your insults and berating comments to yourselves. As well we don't require any more double talk because it will fall on the same type of deaf ears that you EMPLOYEES or PRO bank X*X*X*X (I won't cuss here) use to listen to us.

I shouldn't be defending myself for anything you said which was pretty rude to me personally..but just to clear the record, my using the word "sinister" had nothing to do with crazy conspiracy theories or 9/11 or whatever you are conjuring up in your prejudgment of me and getting personal...

It was merely a sarcastic reference to something that Edgeman of Chico, California
stated in his post titled: "Where is the ripoff here?"

Copied and pasted post....

"The $2 fee is disclosed in the fee schedule. Hell, I was able to find it in the checking account description:
https://sites.wachovia.com/checking/free-checking-account.html#panel3
'Non-Wachovia ATM Withdrawals or Inquiries, $2
When you make a transaction or balance inquiry at an ATM not owned by Wachovia, we may charge you a fee and you may be charged a fee by the ATM owner or operator.'
So when you withdraw $40, you take out your check register and record the $40 withdrawal, the $2 fee and any fees that the ATM owner might have charged.
Nothing sinister at work here, just poor financial management"


Notice the last sentence there Mr. Shortbus???

Maybe you need to read through these reports a little slower?

Oh and this should be stated as well because as I read through more and more of the complaints about the way this bank conduct business..I am kind of getting tired of the replies about how prevent overdraft and NSF fees. GET THIS CLEAR...
NO ONE IS ASKING HOW TO PREVENT OD/NSF FEES...and no one is asking the bank to dismiss legitimate OD/NSF fees. No one needs to be told to use a register..and no one needs to be told that the bank is not at fault because of the terms and conditions contract. (Not everything in a contract is always legal..regardless of who agrees)

All we want (AND TRUST ME WE WILL GET IT) is the money ROBBED from us back due to the "re-sequencing" SCAM..We do not want a refund for any legitimate overdrafts or NSF fees, we want a refund from ANY and ALL fees that were charges as overdrafts when the funds were available at time of transaction..that simple... if you do not understand something that simple keep your insults and berating comments to yourselves. As well we don't require any more double talk because it will fall on the same type of deaf ears that you EMPLOYEES or PRO bank X*X*X*X (I won't cuss here) use to listen to us.

I won't stoop to your level and call names like a child or an angry psychopath, nor am I insulated or the least bit bothered by your rantings and ramblings...all I can hear is clicking sounds coming from you. A fly in the room would bother me more then you..insignificant Wachovia employee most likely....but I will say this....

if I wrote up a terms and conditions contract that stated if you overdraft I own your first born, your house and will take a finger, that does not make it legal if you sign it and agree. Just because something is written in a terms and conditions contract..does not make it legal, ethical..or right. And the class action lawsuits WILL get us back every penny these criminals have bilked from us..mark my words..

You're contradicting yourself. In one instance you're raving about HIDDEN fees, and in pretty much the next breath, you're stumbling over your own feet by stating that "fees that are buried somewhere in the terms".

Guess what? It's up to the person whose account it is (or is going to be) to be RESPONSIBLE for reading ALL the terms and conditions regarding those fees and understand them. No one is holding a gun to anyone's head and telling them they have to SIGN NOW, OR ELSE. Anyone can take a copy of the "fine print" with them, and if they're unable (or too stupid or bullheaded) to understand the terms and conditions, hash them over with a family member or even take them to a lawyer if they want to shell out the cash for that. If they don't want to sign on with that bank, THEY DON'T HAVE TO.

As for non-branch ATM fees, that's been in place for YEARS, costs ranging between $0.50 to $2.50 in most cases, and again in most cases, and in all my banking life, that one's been RIGHT OUT FRONT, not "hidden" as you would lead the foolish and ignorant to believe. In fact, most banks I've ever dealt with make sure you KNOW this fact when your debit card is issued to you. Hell, the ATMs themselves make it perfectly clear on the screen that by using the ATM in question, you are agreeing to a surcharge of X amount of dollars. There are even a score of them that OPENLY REMIND YOU that this will be ON TOP OF any charges from "your financial institution". A step that was likely implemented due to careless schmucks who are too technologically backwards to understand how cash electronically "flows" with regards to holds, "business days", long weekends and service charges. Even with this, however, there are those like you who still fail to understand, want the bank to hold your hand, and as soon as anything goes wrong it MUST be the fault of the bank!

Where did the sense of personal responsibility go when it comes to finances, anyway? People seem to expect to be spoon fed and mollycoddled while they irresponsibly throw their money around willy nilly and wonder why they get butthurt when someone actually applies the rules of the system to them while they act like they're somehow "special" and above having to pay for their idiocy and lack of attention to details.

Your ranting and raving about the EEEEEVIL & SINISTER banks just makes you look like another Government + Bank + Illuminati = EVIL *nutjob*

And just FYI here, a Credit Union isn't going to go any easier on your sorry butt if you spend money you don't have there, either. They still enforce NSF charges, even if they don't have any base fees for your account.

Grow the hell up and get off the short bus.

When ever I am reading these reports and I feel for the VICTIMS of this banks practices..and how they are predatory on those of us that are going through a rough time with the economic recession..taking total advantage and are SPECIFICALLY targeting us to milk every penny they can steal from us. Why? Because it is CALCULATED that we are the ones most likely to accidentally or by necessity have an overdraft. Why do you think they charge just to view your balance on a "non Wachovia" ATM. Do you need me to explain why??? Because first off..they are aware that if we are on a non wachovia ATM..they will have an opportunity to overdraft 1..form those who are unaware of the DOUBLE fee (the one that the machine as you afree too AND the 2 dollars they charge you..PLUS..if you are inquiring about your balance it tell them that you may be starting to run low on funds..so GREAT..they can charge you a fee just to enquire..hope that you are not aware of this fee..you overdraft by a few cents or dollars..the do the old "RE-SEQUENCING SCAM and BINGO..they have STOLEN hundreds of dollars from you when you are most vunerable...these a cruel heartless greedy preditory b*&*&*&s.

You really think a Check register matters?? Well actually it doesn't..because it is the hidden fees (are fees that are buried somewhere in the terms and they obviously HOPE you do not know about it until you are ZINGED) that makes these criminals millions of dollars. Disclosure my a*s..there IS something SINISTER going on here..and the class action lawsuits will eventually put a stop to this. And I hope this retarded government does NOT bail these criminals out when they are folding..This bank needs to ride it's course to FAILURE..WE MUST ALL CLOSE OUR ACCOUNTS WITH THIS BANK..USE A CREDIT UNION. And help with the class action suits.

WELLS FARGO, & others, are making customers very angry, right?

Imagine how angry the former & current employees are who found out that 'SECRET LIFE INSURANCE POLICIES' were allegedly being taken out on them without their knowledge by some of these banks?

You can 'Google' this- RIP OFF REPORT BANK OF AMERICA JP MORGAN CHASE BEAR STEARNS CITIGROUP WACHOVIA, and read about the LAWSUIT right here at Ripoffreport.com regarding this issue.

That Rip Off Report was originally posted on 1-14-2009 at the- 'BANK OF AMERICA' page of this site. Go read it NOW!!!

People in America are really getting angry, huh? Maybe that's why there's a movie on the web entitled- 'THE OBAMA DECEPTION' that people can watch by simply 'Googling' it, correct? Anyone can 'Google' this- THE OBAMA DECEPTION, and watch it on the worldwide web.

POWER TO THE PEOPLE

The $2 fee is disclosed in the fee schedule. Hell, I was able to find it in the checking account description:

https://sites.wachovia.com/checking/free-checking-account.html#panel3

"Non-Wachovia ATM Withdrawals or Inquiries, $2

When you make a transaction or balance inquiry at an ATM not owned by Wachovia, we may charge you a fee and you may be charged a fee by the ATM owner or operator."

So when you withdraw $40, you take out your check register and record the $40 withdrawal, the $2 fee and any fees that the ATM owner might have charged.

Nothing sinister at work here, just poor financial management.

Banks don't process as you hope or wish they would. Typically banks process this type of fee at the cycle date of your statements. This will all be broken down in your disclosures the new accounts would have given you when you opened the account. It is impossible for the bank to tell you everything and for you to expect them to... it's in the disclosures. If you didn't read them don't blame the bank.

"It's a no-brainer, so they could chagre me for a bounced check. It is pretty clear that they held that $2 for a reason."

It's very clear that Wachovia hires someone to watch their account balance and process the non-bank ATM fee exactly when it will do the most harm. Doesn't that sound more logical than your crazy explanation :-) No brainer!

Your bank is hitting you with their "NON-OUR bank" ATM fee as most other banks have. The fee is assessed on your account statement date which is roughly the same date every month.

If you look at your monthly account statements that are mailed to you, you will see that this fee, when applied, is assessed to your account almost on the same date each month.

Any account maintenance fees (monthly service, interest, inclosed checks) are assessed on your account on the same date.

Check it yourself on some of your previous monthly account statements.

No one "held" this fee until you didn't have enough to cover it. Look at your monthly statements and you will easily determine when your bank assess these fees to your account each month.

Well, if you used a check register and wrote down all your purchases this would not have happened. If you had accounted for this 2 dollars in your checkbook you would never have overdrafted.

Never use the online register as an accurate balance. It is there so you can see the charges. Whatever bank you decide to switch to will do the same thing to you, unless you learn how to balance your checkbook.