Wachovia overdraft rip-off

Early this week (the 16th) I had a doctors appointment, which costed me $30. I didn't have any cash, so I used my debit card. I knew I had about $38 in my account (yeah, I'm poor)to cover it. That day my car insurance also came out. . .something that I had completely forgotten about. It was $28. So, I ended up being $20 overdrawn. I accepted the first overdraft charge of $66 (!!) It had been an oversight on my part, so I was fine with paying it. That was last night. This morning I woke up to find an extra $70 overdraft fee added to my account. ..so I'm now $156 in the negative with $136 of it being in overdraft fees.

I was extremely confused as to why this second fee had appeared. I had overdrawn my account one time before a few years ago by about $40, and there was one flat fee of $60. So, I called customer service, extremely upset. The woman I talked to either didn't know what she was talking about, or Wachovia is about the biggest rip off-er in America.

First, she told me, at the end of the day, the withdrawals are totalled into one number. It didn't matter that I had the money to cover one of the charges, because when they were added up they equalled $58 and I only had $38 in my account. The part that got me was that she couldn't adequately explain the second overdraft fee. I was being charged for two overdrafts because there were two different charges that led to the overdraft; however, there was enough money in the bank to cover one, but since wachovia apparently uses the total instead of individual charges, it didn't matter.

So, they'll make it so you have more overdrafts by using total amounts, but they'll still charge you for each individual amount. (???)

This didn't make sense, so I got rather irate with the woman. Then her explanation seemed to imply that I was being charged another overdraft fee because the first fee had sent it further into overdraft. What???

I never got a suitable explanation for the second overdraft fee, to put it simply. In the end, I get $140 worth of fees for a $20 overdraft. I've never had this kind of trouble from a bank before I switched to wachovia. Needless to say, unless this is fixed (And maybe even if it is) I will NO LONGER be banking with Wachovia, and I'll be sure to warn all my friends about them.

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Oh the same thing just happened to my son, they held back 2 debit purchases of his and didn't take them out of his account till he was below what was needed. They held these 1 1/2 weeks. What a scam Wachovia has going on...when you owe more than you spent they are just ripping everyone off. I will tell everyone i know to not use Wachovia!!!!!!