I HATE THIS BANK!
A FEW WEEKS AGO, I BOUNCE 6 CENTS.
THAT 6 CENTS COST ME $105 IN BOUNCE FEES.
YOU KNOW HOW?
THE SAME WAY THE BELOW OCCURANCE HAPPENED...
CLICK TO MAKE BIGGER
BASICALLY MARTINS AND BORDERS WERE IN MY
HOLDING (NOTICE THE DATES) MY KROGER CAME
IN, WHICH ACTUALLY SHOULD HAVE BOUNCED
AS IT WAS OVER WHAT WAS IN MY ACCOUNT, AND
I WAS PREPARED AND KNEW IT WOULD BOUNCE, BUT
THE OTHER TWO WERE BASICALLY ALREADY THERE AND
THE FUNDS WERE BEING "HELD" FOR THEM.
WHAT DOES WACHOVIA DO?
THEY TAKE THE FUNDS FOR THE KROGER (HIGHER ITEM),
HOLD THEM,BOUNCE THE OTHER TWO, VERY VERY SMALL
AMOUNTS, THEN WHEN THE KROGER ONE CLEARS, THEY
BOUNCE IT TOO, ALL BECAUSE THEYKNOW IF THEY HOLD
THE FUNDS, THEN THEY CAN GET $105 INSTEAD OF A
MEASLEY $35.00 FOR THE ONLY ONE THAT
SHOULD HAVE BOUNCED.
NOW DONT GET ME WRONG.....
I KNOW THAT I SHOULDNT HAVE GONE TO GET
GROCERIES WHEN I DIDNT HAVE MONEY, OR
SHOULDNT HAVE GONE OVER WHAT WAS IN THERE,
BUT I WAS ABOUT $10 OVER WHAT I HAD AND IT
WAS THE DAY BEFORE CHRISTMAS AND I HAD THIS
CHECK COMING IN, WHICH CAME THE DAY AFTER
CHRISTMAS, AND I WAS ACTUALLY TRYING TO BUY TIME.
I WAS FULLY PREPARED TO PAY THE $35 FOR THE KROGER
BOUNCE, JUST NOT TO HAVE TWO THINGS THAT WERE
ALREADY HOLDING TO TURN AROUND AND BOUNCE.
SO CAN SOMEONE EXPLAIN TO ME WHAT THE OBJECT
OF HOLDING FUNDS IS IF THEY ARE GOING TO TURN
AROUND AND BOUNCE THEM? I THOUGHT HOLDING FUNDS
MEANT THOSE FUNDS WERE BEING HELD FOR THOSE
PARTICULAR ITEMS TO CLEAR, THAT NOTHING ELSE
COULD HAVE THOSE FUNDS, THAT THEY WERE CALLED
FOR, CLAIMED, USED, ETC..
LIKE I SAID, I HATE WACHOVIA.
I ADMIT I HAVE A PROBLEM WITH LIVING PAYCHECK
TO PAYCHECK AND HOPING THAT THE PAYCHECK MAKES
IT IN BEFORE SOMETHING ELSE DOES, BUT WHAT IS SO
FUNNY IS THE FACT THAT THOSE TIMES IT WORKS,
AND IT TECHNICALLY SHOULDNT HAVE, BUT THIS TIME,
IT SHOULD HAVE BOUNCE, WAS INTENDED TO BOUNCE,
AND CAUSED THINGS THAT SHOULDNT HAVE TO BOUNCE.
I SIT ON MY COMPUTER IN MY CHECKING ACCOUNT
WATCHING STUFF AS THEY CLEAR. I DO NOT THROW
RECIEPTS AWAY UNTIL THEY CLEAR. I AM ALWAYS
ADDING SUBTRACTING AND FIGURING HOW I WILL
MAKE IT WORK, BUT THIS JUST TAKES THE CAKE
THAT THEY ARE AS EVIL AND PLAY GAMES.
I HAVE FOUND IN THE PAST, THROUGH WATCHING
THEM, THAT THEY WORK IT TO THEIR ADVANTAGE.
SAY YOU HAVE $100 IN YOUR ACCOUNT. YOU WRITE A
CHECK/USE YOUR CARD (WHICHEVER) FOR $75.00
AND ANOTHER FOR $26 AND $10. THEY BOTH HIT
AT THE EXACT SAME TIME. WHAT DO YOU THINK
THEY DO? OKAY, I WILL EXPLAIN IT TO YOU.
THEY TAKE CLEAR THE $75, BOUNCE THE $26 AND $10
WHICH GIVES THEM $70, INSTEAD OF CLEARING
THE $26 AND $10 AND BOUNCING THE $75 WHICH
WOULD GIVE THEM ONLY $35. THEY ADMITTED THAT
TO ME, THEY ALWAYS CLEAR THE HIGHEST FIRST EVEN
IF THEY HIT AT THE EXACT SAME TIME OR WITHIN
MINUTES OF EACH OTHER.
THAT IS JUST FLAT OUT WRONG!!!!
ANYWAY, I JUST HAD TO VENT,
PLEASE DONT JUDGE ME!!!
I WAS WITH SOUTHTRUST AND WHEN WACHOVIA
BOUGHT THEM OUT I HAVE HATED IT EVER SINCE...
WACHOVIA MAKES YOU FEEL LIKE A
DOLLAR SIGN, NOT A PERSON....
I AM GOING TO A HOMETOWN SMALL BANK WHERE
I CAN SPEAK TO SOMEONE AND NOT HAVE TO DEAL
WITH COMPUTERIZED MONOPLIES!!!
WHO DO YOU BANK WITH, DO YOU LIKE/HATE
THEM, WHAT DO YOU LIKE/HATE ABOUT THEM?
