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My name is Melissa Chambers.
I have compiled this site to protest the unfair treatment of my husband and myself by Wachovia. The purpose of this site is to inform & educate as to the policies and possible treatment to anyone who banks with Wachovia Bank, as well as to help organize thousands of unhappy Wachovia customers. Everything I write in this protest site about our situation will be true. As of today, my husband and I are risking everything we have worked for in order to fight Wachovia in court. We may lose that battle, however, Wachovia waged WAR on us and we plan to fight!
I make it my mission today forward to tell
EVERYONE I contact to BE WARY of Wachovia Bank, N.A., because
Wachovia Bank lied to us and Wachovia Bank will lie to you, too!
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My step-son Chaz found this. I keep re-reading it and wanted to share it with you.....and thanks Chaz, you really do get it!
Thomas Jefferson once said:
"I believe that banking institutions are more dangerous to our liberties than standing armies . . .
If the American people ever allow
private banks to control the issue of their currency,
first by inflation, then by deflation,
the banks and corporations that will grow up around [the banks]
. . . will deprive the people of all property
until their children wake-up homeless
on the continent their fathers conquered.
. . . The issuing power should be taken from the banks
and restored to the people, to whom it properly belongs."
-- Thomas Jefferson --
The Debate Over The Recharter Of The Bank Bill, (1809)
copied from
www.barefootsworld.net
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Thank you for visiting our site! Please take the time to leave your comments, good or bad.
Be sure to check back to see the outcome of this important jury trial.
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May 10th, 2010
Court is has been postponed (again) should be getting new date soon. Hurry up and wait. The patience of Jobe.....
I have received new emails of people getting tired of Wachovia for one reason or another and writing it on their cars. It is stress relief. Speaking of stress, look out Wachovia, Mark's ex-wife is coming at you with her own case and I guarantee, you don't want none of her fury. I'm kind of glad to have someone else bypass "Arbitration" and go straight for the "ole judicial system".
If you have time to browse for kicks....go to the FINRA website
FINRA BrokerCheck is a free online tool to help investors check the professional background of current and former FINRA-registered securities firms and ...
http://finra.org/brokercheck - 21k - Cached - Similar pages FINRA - About BrokerCheck Reports
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April 27th, 2010 For some reason or another, weird things happen to me....
Let me 'splain.
I have this special "wachovia" box that I keep ALL my 'Wachovia v Chambers v Wachovia' related documents. It holds the original documents to our whole case. While I was thumbing thru the "wachovia" box a few months ago I ran across a letter from Mr. Tom Farr (from 2004). That letter changed the path our lives were on but it also revealed how ruthless Wachovia could be (on paper).
I wanted to read it later but before i could read it later,
my cat used it as her litter box,
and it was bad.
All i could do was cry.
It was destroyed beyond help.
So, i read it one more time and showed it to everyone I knew,
then threw it into the trash, my proof was covered in poop.
I was thumbing thru the same "wachovia" box today and low and behold....there is that same letter. The same one I threw away.
Not a copy, it was the same letter but with no poop!
I know I threw that saturated original letter
into a garbage can. Everyone saw it
and for some reason or another, it made it's way back into that "wachovia" box.
And it doesnt have a single blemish on it.
Go figure...
April 26th, 2010
Why is our case so important? Because we want Wachovia to be held accountable for lies they told and the outcome of their actions. I went to the FINRA website and did a search for Wachovia. WOW! Thousands of complaints, similar to ours but they went to an arbitrator. That means that Wachvoia can settle without admitting guilt. paying fines has become just "cost of doing business" for wachovia but it is devestating to their customers that they prey on. I urge you to check out that website and take the time to read how many times you read "We do not admit nor deny guilt". However, they pay the fines and go on to the next case. I am sure that there is a legitimate reason for the "arbitration" thing but it seems to me that Wachovia has taken advantage of the lack of responsibility it has created for them.
April 25th, 2010
Our hits are starting to come in and the comments are following along. I have a few pictures of cars that were sent to us of unhappy Wachovia customers. The stories that they have leave no question of why they would step out of the box and write on their cars. I will post them as soon as I have technical assistance.
April 24th, 2010 This law suit is a subject that is like the elephant in the room. It is here and we know it is, but the topic has negotiated with our active lives for so long that we try not to re-live the miserable times anymore than we have to. Well, it's time to start dredging up why we are still here. We have found ourselves laughing at some of the actions we have taken in order not to be silenced any more.
My favorite is the green truck, but that was also the most embarassing. You can see the "truck" episode by clicking here. We used our vacation and a friends truck to take our message on the road. Wow! we got heard and seen.
Another effective tool was a simple statement on the back windshield of our car.
www.wachvoialied.com
Written in shoe polish, it generated more visibility than any one could have ever imagined. No one would listen to us while we begged for intervention, but the general public will stand in a walmart parking lot for hours telling you about their horrible experiences with the same bank.
So, we have decided
to challenge anyone that has been lied to by wachovia, wells fargo or first union to write it on the back of their car. But be ready to explain your words because everyone you come into contact with will want to know why.
Send us your pictures and stories and I will post them on this site. We already have a contact in California that is ready to take the challenge. Lets see where it goes from here.
And again, be ready to talk to everyone you meet, people everywhere really just want to be heard.
Perhaps with enough voices, we can all be heard. We plan to on May 18th! Yipeeeee, court.
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April 1, 2010
Yeah! A court date is upon us!
May 18, 2010, we are scheduled to begin jury proceedings in the Henry County Court House!!! Yeahhhhhh! I believe that Wachovia/First Union/Wells Fargo had no idea that we could endure this battle. I urge anyone that can be at this trial to attend. Why? Because we want everyone to see what a ruthless, lying bank is capable of. Oh yeah, the country is in a recession because of ruthless, lying banks. This trial will be important because we are holding the bank accountable for it's lies and the damages that they caused. But not just on a NATIONAL LEVEL, we are ground zero. Every individual and family that suffered at the hands of a ruthless, lying bank, THIS ONE IS FOR YOU! I don't guarantee that we will win but in 2006, I put it in God's hands and He has led us here. So the outcome is in his hands, too.
February 8, 2010
Hello? Is there anybody out there?
January 22, 2010
DO NOT TRUST WELLS FARGO!!!!!!!!!
aka Wachovia, aka first union
I'm tired of waiting! Ever since we trusted Wachovia, First Union, Wells Fargo, (whom ever they are right now), we have had nothing but problems. At first we couldn't see the problems that lay ahead, but that ruthless, lying, unregulated corporation is stopping at nothing to take everything we have. Wachovia, First Union, Wells Fargo is still rubbing salt in the wound by playing a "we will wait you out game". SO LETS GO TO COURT ALREADY! What is the hold up Wachovia? You must have more money than the rest of us. We ARE NOT RICH but we are PATIENT and we have put are complaints in the hands of the United States Court system. YOU need to step up to the plate and lets go to court! It is obvious that First Union/Wachovia/Wells Faro isn't concerned about us anymore now than when our notes were called due. GET ME IN FRONT OF A JURY! Let me tell 12 people how you lied to get our money and our signatures! I am ready for your defense. YOU LIED TO ME; not once, not twice, not even three times, you lied and lied and lied and lied. Let us get on with our lives. We are adults, we have proven that we aren't going any where, so what is the hold up?
Take it from us, DO NOT TRUST THIS BANK!
Surely somewhere, in that big bunch of buildings is a human being that can see how long this battle has taken place and will have mercy on us. ALL WE ASK IS FOR OUR DAY IN COURT. Do any of you have children or a family or even a damned dog? WE ARE NOT GOING AWAY Until 12 people have heard our story. You were mad when I didn't file bankruptcy because if I had, there would be no law suit. Does anyone else hear me?!!! Our beloved financial institution was banking on me filing bankruptcy in order to avoid court. Hell, if I am going to lose it all, why would I make it easy for you? You definitely have not made my life any easier. $650,000 gone because poor investors, another at least $500,000 gone in payments (made on time) then a perfect credit score demolished in a slick way of getting rid of us. ARE YOU AWARE OF A PAPER TRAIL?
MY WACHOVIALIED SIGNS ARE GOING BACK UP TODAY! MARK MY WORD, IF WE CAN't MOVE ON WITH OUR LIVES, I WILL MAKE SURE EVERYONE KNOWS HOW LONG YOUR CORPORATION HAS BEEN HOLDING OURS DOWN.
SIGNS GO BACK UP TODAY
August 12th
Oh my gosh!!!!!!!! I saw the Wachovia commercial that says they will be there when you need them!!!!!!!!!!!!!! What the hell??????????????
July 9th
Went to Florida to visit family and came home to a copy of a letter to the judge....We are asking the judge to put us on the calendar! YIPPPEEEEE
We need a fight song. I constantly talk to people that say "hey, aren't you the lady that had those signs?" Then they ask what ever happened. I direct them to the web-site and tell them "Not much. But it will soon be a lot." The banks had gotten sooooo out of control with their power and greed that it was common to hear "You can't fight the banks." That is so messed up. Why couldn't you fight the banks? Because they were the ones supplying the BIG monetary backing for many of the offices that were supposed to be watching them. Money to turn a blind eye. A blind eye over OUR money. If everybody used a credit union, where would the banks be? Do they have their own money? No. To take our money and spend it to cover up their mistakes and to fund the baby sitter's to have blind eyes is unbelievable. Even the SEC's response to our complaints was "Wachovia said they didn't do it." What the h#$$? We have so much proof and the SEC was unable to offer any substantial advice because "Wachovia said they didn't do it." How weak!
I guess now that the whole world sees how corrupt the American Banks are, the SEC might want to take a look again at our complaints. Who would have ever thought that the banks would be batching up shaky mortgages with good ones when putting them on the stock market. The very market that determines if your job is safe was destroyed by greedy banks. The very banks that you can't fight in court. And the same banks that were pouring our money into the government agencies; to keep a blind eye. The very agencies that were supposed to be watching our money were protecting the banks, not the people that were investing their money. aaaaaaaaaaaagggggggggghhhhhhhhhhhhhhhh
Wachovia will have to answer to a jury of 12 people and justify their actions. Wachovia is just the first. After our case...PANDORA's BOX IS OPEN! I hope we open up the door for everyone that was affected in a negative way by Wachovia and other big banks. The American People have forgotten that they CAN fight back. I have friends and family fighting over seas so that we as Americans can fight back. Americans fund Wachovia and Wachovia needs to remember that. We alone handed over a million dollars. To me, that is a reason to fight.
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June 26th
Michelle, Look At My Cartoon!
I have found it difficult to update this site every day. My days stay busy just trying to survive, like the rest of you. However, I am being encouraged to keep it up. Our friends watched us go thru so many stages during of our own little 'Wachovia-induced-recession' but we are still here. We had a thriving business and lost it, we had a beautiful home and lost it. Heck, I dont even own a car any more! But we are still here! That is what one of my friends asked me to write about...how we have survived. It amazes her that we still can find smiles and laughter even after what looks like total devastation. She said we give her hope in her life and maybe we can someone else. So here it goes....words to live by.... "THEY CANT EAT YOU".
THEY may want to and you may wish THEY could, but THEY cant! You can survive all the financial turmoil in your life if you just remember that God has equipped you with what you need to survive your life. You can cut back and find joy in new things and that can be a good thing. Our family is closer now than ever and money cant buy that. "CHOOSE YOUR BATTLES WISELY" After we began to lose what we had trusted Wachovia with, we were in a panic. When my husband worked out of town to make up for the money Wachovia was losing, we fought. When Wachovia decided that THEY would do everything in their power to destroy us, we fell apart. When Wachovia wanted me to file bankruptcy so that they could just write us off....that was the end! We found our inner-strength. I remember crying in the bankruptcy courtroom and my bankruptcy attorney thinking I was a loonatic. Most people would be happy to be able to walk away from such a nightmare. Not us. It just did not sit well with me that by me declaring bankruptcy, Wachovia would never have to be accountable for the series of actions that put me there. Those actions were Wachovia's and they were UNETHICAL and somebody was going to hear about it one way or another. After going thru the whole bankruptcy procedure, I said 'no'. I decided if I was going to lose everything, then I was going to go down fighting! I had to explain my stubborness to my husband and lawyers. Not everyone agreed but I didnt care. Wachovia filed suit against me for not being able to pay their "DEMAND NOTES". If I filed bankruptcy, I would not be able to counter sue. Hence, that is why Wachovia is being forced to go to court. But back to the reason for this story, we have survived because we let go and let God handle it. Sounds cliche, but it works. In my heart, I knew that filing bankruptcy was an easy way out for Wachovia. I also knew that we would survive, some how, if we just kept the faith. We lost our income, we lost our home and we almost lost our marriage, but we have survived. "THIS TOO WILL PASS" Laugh. Just laugh because it is not the situation you are in but how you deal with it that makes you who you are.....so just laugh. A smile will scare your apponet more than you would think! Here is smiling at you WACHOVIA. June 9th :
We are still here, waiting for a date from the judge! We are inviting anyone and everyone to come to our trial. We may win, we may not. If we make it to a jury trial then we have endured a lot. Ask anyone you know how hard it is to go face to face with a giant like Wachovia...it ain't easy. We hope to be able to make a change somewhere in the banking industry. I personally would like to see deposit banks (the ones that keeps your money safe) and investment banks (the ones that invest your money) separate. The two should not be under one roof because it becomes a conflict of interest. In my opinion, and if history means anything. We went thru the great depression because of similar circumstances. This is my opinion and I encourage anyone to tell me different. I will try to update this website every day from here on until the jury makes a decision.
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The years of fighting back are about to pay off. Wachovia has already said that they would appeal any money we could be awarded and keep this thing tied up in court. Another lame attempt to snuff us out. We wouldn't expect any thing less from our beloved bank! We are just satisfied that we get our day in court. Yippeee! We were told soooooo many times that you can't fight the banks in court and win. That all depends on what you call winning...finally, our complaints will be heard by an unbiased group. Who could ask for anything more? Doesn't Wachovia get it?
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While we watch the falling of the stock market we are reminded by the 'experts' not to freak out and sell. "If you are in your twenties, thirties and even forties, don't sell." We are reminded that the market is for long term investors and the market will bounce back. When i hear that I can't help but cringe because I think of how much money we lost at the hands of unregulated brokers.
We trusted Wachovia with our family's future. Because no one was watching Wachovia, Wachovia wasn't watching their brokers. Our investments were put into the trusting hands of the Wachovia securities department and were squandered away with malicious, premature sales, in a matter of days. We had no control over that, we were notified of the sale after our stocks after they were sold (and not for any profit). No one at Wachovia cared when we complained. The SEC found it difficult to believe that a bank could do wrong. But now the whole world is talking about unregulated banks!
How can so many experts know not to sell in a time like this yet our Wachovia broker was allowed to do it? Our story is from the past 5 years but it reveals the beginning of the damage the non-regulated banks would do and have done.
If you ever hear "YOU CAN'T SUE THEM IN COURT" then you can guarantee that "THEY" are not being regulated enough!
Shame on you, Wachovia! Shame on you for raping everyone that trusted you!
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From Wikipedia, the free encyclopedia
False advertising is the use of false or misleading statements in advertising. As advertising has the potential to persuade people into commercial transactions that they might otherwise avoid, many governments around the world use regulations to control false, deceptive or misleading advertising.
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One Reason We Are Where We Are...
Bill Clinton repealed the Glass Act in 1999. The Glass Act was created in 1933 after the crash of 1929 and America had seen what happens when the banking system is given too much power. It is the love of money that is the root of all evil, not the money. Stop blaming each other. The Clinton administration set into action what we are seeing now.
From wikipedia..In the nineteenth and early twentieth centuries, bankers and brokers were sometimes indistinguishable. Then, in the Great Depression after 1929, Congress examined the mixing of the commercial and investment banking industries that occurred in the 1920s. Hearings revealed conflicts of interest and fraud in some banking institutions?? securities activities. A formidable barrier to the mixing of these activities was then set up by the Glass Steagall Act.
The banking industry had been seeking the repeal of Glass-Steagall since at least the 1980s. In 1987 the Congressional Research Service prepared a report which explored the case for preserving Glass-Steagall and the case against preserving the act. The repeal enabled commercial lenders such as Citigroup, to underwrite and trade instruments such as mortgage-backed securities and collateralized debt obligations and establish so-called structured investment vehicles, or SIVs, that bought those securities. Citigroup played a major part in the repeal. Then called Citicorp, the company merged with Travelers Insurance company the year before using loopholes in Glass-Steagall that allowed for temporary exemptions.
With lobbying led by Roger Levy, the finance, insurance and real estate industries together are regularly the largest campaign contributors and biggest spenders on lobbying of all business sectors[1999]. They laid out more than $200 million for lobbying in 1998, according to the Center for Responsive Politics..." These industries succeeded in their two decades long effort to repeal the act.
www.wachovialied.com
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| CHARLOTTE OBSERVER
DID A STORY ON OUR TRIP
http://www.charlotte.com/business/story/551536.html
Wachovia customer advertises her anger
An angry Wachovia Corp. customer is bringing her campaign against the bank to Charlotte.
A bold green truck with the words www.WachoviaLied.com on the side was spotted in uptown Monday. The message refers to a Web site that outlines Melissa Chambers' dispute with the bank over an investment account and loans she and her husband had with the bank.
Chambers could not be reached. The Web site says Chambers has filed a lawsuit against the bank.
Wachovia spokeswoman Christy Phillips Brown said customer service is a top priority for the bank and that it takes customer complaints seriously. "While we can't comment on specific customers' financial situations, we believe this is an isolated situation, and we believe the claims against Wachovia are without merit," she said. -- Rick Rothacker
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This web-site is a complaint site. The comments collected here are given by many different people and are not necessarily the Chambers feelings (or comments). The information is for anyone wishing to view other complaints about Wachovia. Mark and Melissa Chambers are not responsible for the comments of other viewers.
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