Guest avatarsnow Report post Posted January 28, 2004 a bit off topic ... and definitely out of character for me....HAHAHA... but allow me to vent my spleen on an off wrestling topic..... WACHOVIA BANK IS THE DEVIL.... now i know many of you think that aol is the devil...and they are..... but they have been replaced by wachovia bank...... do yourselves a favor and discontinue whatever business you may have with these..allow me to be libelous here...CRIMINALS AND THIEVES...... due to their "creative accounting practices" and self serving mathmatics.. they are stealing money from a great many people who can not afford to have it stolen from them....case in point my lovely girlfriend cassandra..... last week we did a bunch of shopping and cassie is not the best at managing her money lol.... but we were still in ok shape.. the last 3 times she used her debit card there were about 30 bucks left in her account the 3 charges when processed were small and left a balance of about 2 bucks at the end of it all.. she then mistakenly used her debit card again and rang up a charge of 20 bucks.... NOW under normal human being math her account either should have A.... not allowed the debit to go through and declined her card... or B allowed the charge and made her account negative 18 dollars and hit her with a service chg of 30 bucks... fair enough...is this what happens???? OF COURSE NOT.... wachovia decides to run the 20 dollar charge FIRST even though it occurs AFTER the 3 other charges and take out the money for it...THEN they run the 3 smaller transactions resulting in 3 OVERDRAFTS AND 90 DOLLARS IN FEES IN ADDITION TO HER ACCOUNT BEING negative about 30 bucks for a total negative balance of 123 dollars or so.... MORAL of the story is ... PAY ATTENTION because BANKS(not you antonio... dont hate me like u do ron) do not get to be as big as they are by being nice to you... they are trying to steal as much of your money s they can and if you are not smart enough to catch them they will try to steal ALL OF YOUR MONEY Share this post Link to post Share on other sites
Guest MikeSC Report post Posted January 28, 2004 a bit off topic ... and definitely out of character for me....HAHAHA... but allow me to vent my spleen on an off wrestling topic..... WACHOVIA BANK IS THE DEVIL.... now i know many of you think that aol is the devil...and they are..... but they have been replaced by wachovia bank...... do yourselves a favor and discontinue whatever business you may have with these..allow me to be libelous here...CRIMINALS AND THIEVES...... due to their "creative accounting practices" and self serving mathmatics.. they are stealing money from a great many people who can not afford to have it stolen from them....case in point my lovely girlfriend cassandra..... last week we did a bunch of shopping and cassie is not the best at managing her money lol.... but we were still in ok shape.. the last 3 times she used her debit card there were about 30 bucks left in her account the 3 charges when processed were small and left a balance of about 2 bucks at the end of it all.. she then mistakenly used her debit card again and rang up a charge of 20 bucks.... NOW under normal human being math her account either should have A.... not allowed the debit to go through and declined her card... or B allowed the charge and made her account negative 18 dollars and hit her with a service chg of 30 bucks... fair enough...is this what happens???? OF COURSE NOT.... wachovia decides to run the 20 dollar charge FIRST even though it occurs AFTER the 3 other charges and take out the money for it...THEN they run the 3 smaller transactions resulting in 3 OVERDRAFTS AND 90 DOLLARS IN FEES IN ADDITION TO HER ACCOUNT BEING negative about 30 bucks for a total negative balance of 123 dollars or so.... MORAL of the story is ... PAY ATTENTION because BANKS(not you antonio... dont hate me like u do ron) do not get to be as big as they are by being nice to you... they are trying to steal as much of your money s they can and if you are not smart enough to catch them they will try to steal ALL OF YOUR MONEY Not to defend Wachovia, but if your girlfriend used her debit cards at stores, then there is a good chance that the bigger charge went through first because the smaller ones simply were turned in later. Could be the fault of the stores. But, yes, bank fees are ridiculous. I have BB & T and once was REAL close to having zilch in my account --- so when the fees for the month hit, I dropped below zero and had to pay fees on ALL of the overdrafts for the assorted fees. -=Mike ...And try getting an employee to even fully tell you ALL of the fees you must pay. Share this post Link to post Share on other sites
kkktookmybabyaway 0 Report post Posted January 28, 2004 Here's another thought. Be more careful with your money. And before you go OMG HEARTLESS REPUBLICAN I gave the same statement to my better half regarding our situation. When she was going to school she played loose with her money and she ended up getting burned a few times. Once involved PNC Bank, which is another evil empire, imo. What happened was her "free" checking account suddenly became not-so-free, and that first monthly service fee put her account in the red, especially when the checks for various bills she wrote out for came in. Believe it or not, those few dollars were supposed to be her "cushion" that her bills for that month were supposed be absorbed into. When Mrs. kkk began throwing a fit over epic proportions over this I mentioned to her that she never should have just planned top have a few dollars in her bank account that would keep her out of check-bouncing territory, to which I caught hell for. Now if I'm not going to show the person that gives me free sex whenever I want sympathy over a situation like this, I'm sure as heck not going to give your better half any. Chalk it up as a life experience and move on. Use a credit card next time and you won't have to worry about this... Share this post Link to post Share on other sites
Sandman9000 0 Report post Posted January 28, 2004 Fuck Wachoiva (I use them too, sadly enough), but one more reason as to why I rarely spend money. Share this post Link to post Share on other sites
sfaJack 0 Report post Posted January 28, 2004 a bit off topic ... and definitely out of character for me....HAHAHA... but allow me to vent my spleen on an off wrestling topic..... WACHOVIA BANK IS THE DEVIL.... now i know many of you think that aol is the devil...and they are..... but they have been replaced by wachovia bank...... do yourselves a favor and discontinue whatever business you may have with these..allow me to be libelous here...CRIMINALS AND THIEVES...... due to their "creative accounting practices" and self serving mathmatics.. they are stealing money from a great many people who can not afford to have it stolen from them....case in point my lovely girlfriend cassandra..... last week we did a bunch of shopping and cassie is not the best at managing her money lol.... but we were still in ok shape.. the last 3 times she used her debit card there were about 30 bucks left in her account the 3 charges when processed were small and left a balance of about 2 bucks at the end of it all.. she then mistakenly used her debit card again and rang up a charge of 20 bucks.... NOW under normal human being math her account either should have A.... not allowed the debit to go through and declined her card... or B allowed the charge and made her account negative 18 dollars and hit her with a service chg of 30 bucks... fair enough...is this what happens???? OF COURSE NOT.... wachovia decides to run the 20 dollar charge FIRST even though it occurs AFTER the 3 other charges and take out the money for it...THEN they run the 3 smaller transactions resulting in 3 OVERDRAFTS AND 90 DOLLARS IN FEES IN ADDITION TO HER ACCOUNT BEING negative about 30 bucks for a total negative balance of 123 dollars or so.... MORAL of the story is ... PAY ATTENTION because BANKS(not you antonio... dont hate me like u do ron) do not get to be as big as they are by being nice to you... they are trying to steal as much of your money s they can and if you are not smart enough to catch them they will try to steal ALL OF YOUR MONEY Yeah, that sucks and all, but you are aware that all banks do the same thing when it comes to cleaing transactions through your account, right? Whether you use checks or debit cards, if there is more than one transaction hitting your account in a day, the bank will always clear the largest amount first, just so they can hit you with more fees, just like Wachovia did to your girlfriend. I don't blame them for it, either, because quite frankly it's a smart move on their part. A bit on the "asshole" side of things, but smart. They're not "criminals and thieves" or "stealing" money from you, nor is their any "creative accounting" going on here. They're a business that exists to make money, and by doing this they make more money. This practice, while pretty sneaky and underhanded, is legal. I'd do the same thing if I owned a bank, too. My advice to you and your girlfriend next time would be to not spend more than $20 when you have only $20 in your account. You avoid the whole problem then. How much of what she spent was actually necessary? Oh, and shouldn't this be in GC? Share this post Link to post Share on other sites
Guest Ghettoman Report post Posted January 28, 2004 Is the name a play on "watch over ya" like it seems to be, or an obvious coincidence? Share this post Link to post Share on other sites
Guest Bottled Black Report post Posted January 28, 2004 The one I'm more partial to is Walk over ya... Of course this could be because I'll be getting layed off later this year. I don't work for the Bank area I work for the Securities area. Share this post Link to post Share on other sites
