Wachovia Bank Bill Pay System

My wife and I have banked with Wachovia Band for over 8 years. My wife

had used the bank's bill pay system on several occasions, the last was

to post payments to be made on 06/01/06. On 05/31/06 while checking my

bank statement on line I noticed a $720.00 overdraft charge and also

noticed that payments posted to be taken on the 1st of June were

deducted by Wachovia on 30 May, this caused me to be in a overdraft

status and Wachovia charged the overdraft fees. Upon calling Wachovia

and complaining, my wife was told that the small print allowed Wachovia

to deduct the funds early and that there was nothing they could do to

refund the overdraft charges and that we should have had the funds

available at the time we posted the payments. When asked that if I

posted a payment to be made 2 months form now if I had to have the funds

available at the time of posting, I was told no. I then asked what the

difference was if I post a payment to be made on the 1st of June and

they take it on the 30th, the individual could not provide me with a

satisfactory answer. I feel that banks use this as a means to make pure

proffit at the expense of the consumer.

Thank You,

Richard Kluender

Bureau of Long Term Care Services

Room 710

Phone: 898-2693

Fax: 255-8209

Email: Email User

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