Wells Fargo - Wachovia / denial of fraud claim with proof given
Dear Ma’am or Sir:
I am pleading to anyone to hear and to help me correct our accounts. On numerous previous dates, I notified my Wachovia bank branch and have been working with the Wachovia Bank fraud Dept (numerous other Departments as well) by telephone that the credit cards issued to me and my cousin (Edward Humphrey) had been compromised. Our statements show unauthorized transactions charged to our cards after I reported it. When I call to inquire about a resolution, I am told that there is no record of my reporting unauthorized transactions. This is the most illogical and puzzling aspect of reporting suspicious transactions and being told I must go to my branch, file a police report, and have my bank representative assist me. This created a loop that had no end. Thankfully, I did keep notes.
We have banked with what we call my Wachovia since 1984. We also were patient as my Wachovia weathered through the economic problems they were experiencing and we still have faith that we will be heard and my Wachovia will do the right thing. Our branch was also aware of my disability and that Ed was legally allowed access to all accounts. Our personal and medical information is necessary to address because unethical villains (employees of Wachovia Bank ) mentioned or made sensational comments that we should have received a settlement from my mother’s death and my medical history “does not sound so terminal” since I was still alive. Therefore, you will see some medical information attached in a previous document to show these cold-hearted villains proof.
I called the respective companies on, 28 Jan 2010, and was treated for the most part very respectfully. A hero with my Wachovia named Latasha Sally (5+) spent a long time checking my account and discovered that I indeed did have disputes and she could not find any reimbursement to my checking account from CIT finance. She connected me with her supervisor after being so kind and thoughtful, so I could inform her supervisor I had a grading system of bad service =one, and the best service being a five. Afterwards I was connected to a “dispute representative, ” a male who did not give his name. He was very arrogant and informed me that since there was no dispute claim within the past 90 days, so I had no case. He then informed me “that state governmental representatives had no jurisdiction on the bank” and if I wanted reimbursed, I would have to file a small claims court suit against CIT. I discovered that CIT was getting money without my approval since my health insurance was supposed to pay them. Each time I called and stressed this issue, I was told the money would be credited-there is no record of reversal or credit to this day and CIT was paid with refusing to refund money stating this was “the bank’s matter.”
I recently had my cousin and a friend read my mail and email, and when I was told that information was requested no later than January 31, 2010, from Ms. Mynah. This is the female employee I was transferred to by phone with fraud and she was helpful, kind, and seemed to care, so I have come full circle with my issues. After hearing this and told the date of the letter was January 21, 2010, with the postal date of February 4, 2010. I sat on the floor and just sobbed due to the feeling of not being understood, treated poorly, and called essentially a liar since “no records of my account had even the word of fraud in them.” Now the first hero I had at Wachovia sent me a illegible form with yellow highlighted areas to fill out, as if I were stupid. I AM NOT STUPID, I AM BLIND. As I stated earlier, I already filled out the forms required (see first sentence in this paragraph) about 4 times and now I have to do this again?
I was injured at work a couple of times from [protected], after working in the medical field since 1976. I loved my job as a bedside nurse in neurological and cardiologic intensive care. However, after a permanent injury, I had to find another area in nursing that could accommodate my disability without danger to me or another person. This meant going back to school to obtain a higher degree to teach nursing. My disability payments were incredibly smaller than what I made working bedside, however, I was able to pay all bills on time. I noticed some questionable activity on my ledger that did not match my Wachovia’s, from October 2007 to December 2007. I was told this was not a problem.
When we got home briefly in May 2008, after my mom and a niece passing away, we had numerous phone messages that no payment was received from creditors. Checking the bank ledger revealed numerous cash withdrawals from credit cards when I never use “credit cards” for cash at a higher interest rate. The bank ledger also listed charges not made by us. Then the ultimate surprise was that the bank ledger listed payments posted to our bill collectors but the bill collectors claim no payment had been received. I had to call all accounts individually, discuss the issues I found, and to cancel the cards immediately. Each account representative informed me that the proper procedure prior to claiming fraud was to check each transaction and dispute it. When this has been completed for all accounts, then fraud claims could be addressed. I disputed claims and was humbled because each time I sent the dispute form in by fax, no one called to inform me that I had not filled the form out properly-this added to the time factor of prompt reporting. When I noticed the bank ledger had completed no reversal, I called the respective department and was then told that the form was not completed accurately. The stress and my nerves were incredibly brittle. I continued filling out the forms until I got them correct. Latasha was able to find these documents easily and I took confirmed appropriate action.
I was told that my insurance on the Prime Equity Loan had been cancelled in May 2009. We both searched to see if there was ever insurance on our charge cards, but could not find any insurance on them. Therefore, I was advised that my insurance should help me out. When I ask about this now, the subject changes and I am told to send information documented with my health history changes.
I fell and hit my head with severe injury to my neck and became blind in October 2009. This has really been hard for me and now even after hopeful surgery, we will not know if my vision will come back permanently. In addition to the visual impairment, I now have additional irreparable neurological challenges affecting the use of my left arm from the neck injuries stemming from that fall. I did speak with another hero- one of this person’s supervisors- Ms. Proctor, who helped me months earlier and explained my current condition with her speaking with Ed to write some contact numbers down. Despite some cold-hearted people, I included some documentation to show some proof of my condition in a prior document with my notes.
Discovercard has also been affected similarly after getting the information from a payment and they have refused to initiate a fraud investigation based on Wachovia’s findings. Discovercard also cancelled my insurance on that account. I know if I had been taken seriously at the onset by “my Wachovia”, then collectively we all could have stopped any further action of “stealing” including my cousin’s and my savings account. I also would not know about Bankcard Services nor even have new cards with compromised cards cancelled which proves my calling the bank. This means that I did contact the bank in a timely manner, the people I dealt with just did not put the pieces together, and I have had to endure a horrible experience. I am not the only person treated this way as I told of my observing the treatment of a poor elder man’s treatment in an earlier letter. With all the people unemployed or those that have a higher degree, why do these villains still work for the company and justify a bonus?
The government has determined that I must be very disabled or have a life-limiting illness to receive Medicaid. What gives Wachovia’s representatives the right to judge and make such ignorant and hurtful statements in regards to my health? Believe me, with all my education, my professional experience (which by the way I have paid and continue to pay taxes as well) and my health situation, to be receiving Medicaid is not by choice, however; a necessity. Prior to my injuries, I used to work 80+ hours a week as a Professional Registered Nurse caring for others in their time of need. With all my checks/income deposited in my Wachovia for over 20+ years, I would have expected much better response to this obvious security breech
to my accounts after such loyalty on my end. Instead, I have been treated as though I am asking for a hand out for what is rightfully mine. I am asking for the return of the money and restoration of my credit. All that was stolen from my accounts, the breech, along with the long lag-time without appropriate action on Wachovia’s part has adversely affected my good credit. I believe that it is now time for my Wachovia to take some responsibility in protecting their customer’s accounts and rectifying their (Wachovia) mistakes when a breech has occurred. In my case, this should have happened at the onset. I would also like to know if my Wachovia is in fact unaffected by state representatives.
Thank you for your prompt attention to this matter.
Billy W Childress Jr.
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