Same thing happened to me with a different bank, expcept it wasn't PDL's, it was flat out identity theft. They wouldn't close my account, they said because it had to be a 0 balance. They kept refunded the NSF fees for about a month, then stopped. They then froze my good account with them, sent me to collections for the $600 in fees I refused to pay, since the transactions weren't mine and the bank shouldve and couldve closed the account or blocked all the transactions (I was not using this account at all after the theft, it was all the person that stole my info). To top it off they reported me to chexsystems for account abuse and possible fraud. The loss prevention dept assumed that since I got so many nsf fees credited that I must've had some sort of deal with the bank employee. Regardless of what police reports I showed to them, they refused to credit my account. It is currently in collections, and as soon as I have extra money I'm hiring a lawyer because this isn't right.
Unfortunatly, without legal help you can't win with banks very easily. You'd think they'd be on your side, and they can be very helpful at first, but if the situation progresses they lie, deny, and screw you any way they can.
My advice to you is to find a non chexsystems account, Wachovia will probably report you, if they haven't already. Even if you get an account at a bank that uses chexsystems because Wachovia hasn't reported you yet, if they do report you most banks do chexsystems sweeps and will freeze and close your account. You will have NO ACCESS to your money for whatever time period they decide on. It sucks and shouldn't happen, but does. Some banks really suck!