Report: Wachovia Bank
Category: Banks
Wachovia Bank-Loss Management Department blames fraud victim Atlanta Georgia
*Consumer Comment ..The bank is not blaming themselves as your title suggests.
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Wachovia Bank
Fax:
Atlanta, Georgia,
U.S.A.
Submitted: 7/24/2008 11:35:24 AM
Modified: 7/24/2008 8:49:29 PM
Carmen1516
Stone Mountain, GeorgiaOk, I have hated banking with Wachovia for over a year. I've just been too lazy to get a new account. They have repeatedly charged me overdraft fees like everyone else-one time I had called in and had placed a block on a company that kept charging me. The next month, that company was able to charge me, which caused an overdraft fee of course. Wachovia (even though they admitted that it was their fault and they understood the problem) refused to refund the overdraft fee because I had already reached my 1 'courtesy' refund. What a load of crap-if it's your fault-it's not a COURTESY-it's a CORRECTION!
My most recent one, and one I think everyone needs to know about, is what happens if you bank with Wachovia and become a victim of identity theft. Recently, I lost (or it got stolen) my debit card and someone used it to withdraw my money and deposit bad checks and withdraw that money. That caused me to be hit with a -$4,407 balance. I reported the incident and was told to file a police report and sign and affidavit.
My case investigator, Marcia Green, was extremely rude to me and accused me of giving someone at the mall my debit card to use and run up this horrible balance because I'm a college student and there have been reports of this going on in my neighborhood. First-I am not a college student-I work a full time job, just like her and I just moved into my neighborhood a few months ago. Identity theft happens EVERYWHERE and to ANYONE. She refuses to take my case seriously and keeps 'warning' me that they are investigating my case. I was told that I am supposed to get my moneys returned to me in 10 days after filing. It's been almost a month and that bank has frozen my accounts and won't even give me access to my recent direct deposits.
I am getting desperate-I have no way to put gas in my car, I'm hungry because I can't afford food. Thanks to this website and someone's suggestion-I am going to file a complaint with www.helpwithmybank.gov because this is taking way too long to get fixed and mostly because of Marcia Green's accusatory, inflammatory, and discriminatory comments and attitude.
Carmen1516
Stone Mountain, Georgia
U.S.A.
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Updates & Rebuttals:
- Change your direct deposit destination... Edgeman [7/24/2008 3:35:14 PM]
- Debit Cards Robert [7/24/2008 5:34:15 PM]
- The bank is not blaming themselves as your title suggests. John [7/24/2008 6:40:10 PM]
Change your direct deposit destination...
The first thing you need to do is change who your direct deposit goes to. Get a paper check or a prepaid card at WalMart if you have to.
I'm not sure that you gave us all of the details, since someone would had to have stolen your ATM card and your PIN to do what you are describing.
Debit Cards
In order to withdraw money or deposit checks with your Debit card the person needs your PIN Number. When banks have fraud protection they require that you must reasonably protect your PIN and debit card, as well as reporting it as soon as you know.
Since they did this they would have had to have your PIN. Which usually means one of two things. Either you were negligent in keeping your PIN, or you gave someone your PIN who did this. Because of this just about every bank out there will automatically deny any claims.
The second thing going against you is time. In order to deposit checks, wait for them to post and take the money out would take a period of days. If you waited several days before you reported it stolen they again will claim you could have prevented it by reporting it sooner.
The bank is not blaming themselves as your title suggests.
as they are the victim here. No one can use your debit card without knowing your PIN. So, look to someone close by. THEY are the ones scamming you, not the bank.
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