When I opened a savings account with ING Direct the disclosure stated "...I can close my account at any time and will receive all of my money in full, with no fees or service charges, along with any interest owed to me." But what ING Direct failed to disclose is that if ING Direct decides to close my account for inactivity I will be charged a $25.00 fee. The website notes all the ways the customer can contact ING Direct: by email, phone, mobile, mail, and fax in order to reach the bank. Do you think ING Direct will make a diligent effort to contact the customer in the same way by email, phone, mobile, mail, and fax in order to reach the customer in one way or the other? No, ING Direct will not. ING Direct lies on their website. It states, "The Bank must make a diligent effort to contact the rightful owner... We use the mailing and email address we have on file for you to send you email notifications and a State-mandated letter warning you of impending escheatment. We make every effort to reach out to you to prevent escheatment..." It's a lie! I have received postcards from ING Direct for a mortgage account, IRA savings account, and a ShareBuilder's AIP, but I have never received a letter warning me that due to my savings account inactivity my account funds must be turned over to the State. From what I discovered ING Direct only sent an email and failed to use the availability of other ways in order to contact me so no diligent effort was made by ING Direct to contact me as required by law. It does not take a rocket scientist to figure out that if the online account is inactive that the online email may be inactive too. ING Direct was unconcerned to try to contact me by mail. If ING Direct truly would have made a diligent effort to contact me I would have received a warning letter and I definitely would have responded before ING Direct closed my online savings account.

Warning ING Direct has scam appraisals. Company charged $350 nothing. Poor appraisal would not consider recent sales in correct town.. Went to other town over 5-10 miles away/. Applied for refinancing ing did a pitiful job of appraising my home and then charged me three hundred and fifty dollars!.

I sent them comparison in my development that sold in the 2011, the would not review/. I had a realtor pull a comparison analysis and the average number was keyed incorrect which caused a bad appraisal/. No one would listen at ing, what a rip off company". would not put a dime in their bank;. Online line rip off

ING Direct recently made an offer to me via email to extend my current 5/1 4.5% for another 7 years at 3.375%. The one time fee to do this is $2, 300 and this which result in a savings of approximately $300 per month on my 450K mortgage. ING Direct subsequently rescinded their offer to me after checking my credit. While my credit has definitely eroded in the past couple of years as the result of a reduction in my household income (no surprise in this economy), I have never been more then 30 days late on my mortgage and when I have, I have always paid the late fee. Their decision is forcing me to search for a refinance with another mortgage lender (something I assume that the rate renew offer is meant to discourage people from doing). While it may be difficult to find a lender due to my 'below par' credit, it will not be impossible. To be honest I am quite surprised that something that would help me improve my credit and make it more likely for me to pay them on time (i.e. the $300 monthly increase in my cash flow) is being denied to me. A company that requires that their employees in customer service to answer the phone with the words' 'How Can I Help You Save Your Money Today?' is apparently not living by their words. ING Direct is no longer a financial institution I would recommend to others.

This bank has the worst customer service department. The reason they give high interest is they hold your money from you for inordinate amounts of time. When I transferred my money from my regular checking into their "savings" account they said they'd hold my money for 5 days. I put it in on 11/20 and didn't have access until 12/1. This was a total of 12 days. I understand that they don't count weekends or holidays but someone should have explained all this fully before we opened their account. Also when I called to complain I got a little abusive on the phone (understandably)
because the customer service person was offensive and as I can now see the customer is not always put first with this bank. They hold their employees in high esteem. So buyer beware! Put your money in a good brick and mortar savings and loan like another complainer put it. At least they'll treat you with respect.

Contacted ING on 7.2.09 to transfer some funds from my ISA to my current account. Was told unable to perform this action as my current account was not linked to the ISA, it would have to be transferred to my old closed current account. Told ING that due to not having access to my closed bank account, I requested the close the account & return the funds. Was advised by ING send a 'copy' of current bank statement & cheque will be issued within 3 working days from receipt. Sent the letter 12.2.09. No reply or funds received, contacted ING 26.2.09 was advised needed to send original bank statement. Sent letter of complaint to ING & posted original bank statements to ING 27.2.09. Was advised 12.3.09 by ING received bank statements & was told that a Customer Service Team will contact me within either 12th or 13th to advise then funds will be received - No call has been received. Completed form & posted relevant documents to Financial Ombudsman as at a loss as to why ING will not allow you to cancel your policy & send you your funds.