I would like to start this message by saying two things. First off, it's been one of those days and second, I love the Wachovia Banking institution. I am basically a walking advertisment for them and when anyone states the fact that they use another bank, I quickly turn the conversation into a debate over who is the better bank. I have had many victories. I have made countless banking errors and irresponsible decisions and wachovia has reversed them all for me with a smile. Although my loyalty to Wachovia will never change because I am NOT a fairweather fan, I did loose my cool with them a little today.
I'm sitting in my computer class at 11:15 and I decide to check my online banking to see how things are doing. I realize that on Friday I got down to $20 which is cutting it close but no big deal. I went to Kroger on Monday but forgot to deposit a check BEFORE going and so I made a small overdraft. I thought...no big...I've got overdraft protection to my savings, I will dust my self off, slap my self on the hand, and move on from this mistake. So, I check my online banking and see that I have a $245 dollar charge!!!!! WHAT?!? No one wants to find that out! I get really anxious, I'm taping my foot and counting down the seconds until class is over. I get a ride home quickly to get this mess figured out. So I call wachovia and I get the long borrrringgg man who is automated and I quickly tell him "REPRESENTATIVE," in which he says "I believe you asked for a representative, I will transfer your call." "Thank you Bob (Bob is his name because Bob is the name alloted to any mysterious, un-human, personified thing in my life)." I get on the phone with the first lady...she knows i'm frustrated and she is trying to explain to me why this is happening...she can't...I put up a fight...I'm then transferred to Donna...Donna can't explain it to me either because in her heart, she knows that the system is unfair and merciless...she transfers me to Chad. I like Chad. He explains to me why this is my fault and then takes the charge clean away.
Here is what happened so that you people may learn from my mistakes and that you may NEVER trust the banking system. I made several transactions over the Thanksgiving break, rinky-dink $5 transactions but they all posted on December the 1st and were on hold which is some weird bank thing...it can take up to 5 days...apparently. So then, on Monday (actually on December 1st) I purchace groceries...which is where I made the overdraft. All of those transactions together, some that were from up to five days ago came through yesterday. Instead of putting through the most recent one first, they charge the largest amount first (tricky and heartless) so the largest kroger transaction went through first, followed by each of the rinky-dink purchases from a week ago...and from there I was charged an overdraft fee each time up to 245 buckaroos. I told Chad that this is horribly unfair. He indirectly agrees, places me on hold, and wipes the charges. He sets me up for overdraft protection to my savings (which I had already requested months ago), he tells me to spend carefully and sends me on my way. I really like Chad. He knows in his heart that the system is inhuman and heartless, I imagine that he has a hard time waking up in the morning knowing what scandal and gut-wrenching activities the day will hold but for some reason he believes in Wachovia, stands by them, and for now...so will I.
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