I am hitting a brick wall. About 5 years ago we got an equity line of credit from National City Bank for $60, 000. They were supposed to pay off all of our credit card bills directly.
During the past two years we have been flooded with collectors attempting to collect on what I believe are these same debts.
I have learned that National City Bank was bought by PNC Bank, for three months now we have been trying to obtain documentation that shows the National City Bank actually paid off what they were supposed to. We have been given the pleasant run around that it's in the mail, and it's at the point now where I am very pissed due to lack of response.
All I need is a copy of the original contract we completed that showed what debts National City Bank was going to pay off using our equity line of credit, so I can compare that list to our totally screwed up credit report.
I have good reason to believe this was a deliberate attempt to defraud us, because our creditors that we had been doing business with for over 10 years all had the wrong mailing address for our residence.

I need advice on how to force PNC to provide the original contracts, how to get this fixed if we were defrauded, and how to have an attorney take these companies and their leadership to court.

I opened a Christmas club acct with National City in 2008. I didn't deposit any money in it. In 2009 Dec. the bank called and said that I owned them $1, 172.52. in overdrafts charges. I was supposed to deposit money in not be charged over draft fees. Now I have a collection agencies calling at work and at home for the money. I told the collection agencies to stop calling me at work and I'm not paying them anything. I just hope this is not going to stay on my credit report. The bank should be ashamed. I know I have trouble with my banking acct. but not to be charges this much for a Christmas Club. Only my overdrafts was so high that I whole paychecks was gone, I couldn't get any help from the bank. They said that it was my problem I overdrew the acct. The bank charges 8.00 a day for overdrafts and 34.00 for overdrafts checks or items.

My bank was originally Harbour Federal, bought out by National City. For several years I had my payroll checks direct deposited with no problem. Until National city took over and started holding my payroll checks for up to 48 hours, without notice. I was under the impression that a payroll ck could not be held. Never the less, because I also had auto bill pay set up...I had over $1500. in overdraft charges. Plus, had to repay all the out standing bills, the bank never payed them. Now I have an unpaid balance due of $340. which has gone to collections...I refuse to give them another dime.

I have heard from some people that there is a Lawsuit against National City Bank for there bad Practices... Anyone heard anything?????????

On December 30th, 2008, my husband deposited a check into our National City Bank checking account at the Coldwater Branch. We live over an hour away and only visit the Coldwater branch a few times a year, if we are visiting his parents. Upon entering the building, he found out our sister-in-law, Courtney (Yeakey) Turner, was a teller.

After leaving, we immediately called corporate to be sure that Courtney hasn't been looking at our account without our approval, and violating our privacy. Corporate informed us that National City has a 3 month history of employee login information, and reported that Courtney had looked at our account 3 times within the past three months, and even gave me the dates of her violations!

Corporate suggested that we contact her supervisor with our findings. I spoke with the manager, Michelle, and she stated she did not know the proper protocol for privacy violations and would have to call corporate herself. Michelle called me later that same day, and stated she spoke with Courtney, and told her our findings and gave her a verbal warning. HERE IS THE SHOCKER!!! Michelle told Courtney it was US, violating our privacy again!!

Surprisingly, we then got a call from Courtney's husband, Jay Turner. He immediately began yelling obscenities at me! Now, being a teller, you cannot tell anyone, even your husband, who are customers at the bank because that is a violation of privacy. Obviously, Courtney told Jay everything, violating our privacy again.

I was not satisfied on the way this matter was handled at the Coldwater Branch. It was apparent that Michelle decided to discipline Courtney with a slap on the hand, when Courtney violated her first and most important oath as a teller, PRIVACY. I called corporate and the Saline, MI Branch to report my disapproval of the discipline, or lack thereof, but since Michelle already gave Courtney the verbal warning, nothing more could be done until Courtney look at our account again.

Everyone I have talked to, including other banks and employees of banks, including my mother who has been a teller herself for 30 years, said that proof of a privacy violation is an automatic termination. But not at the Coldwater Branch, privacy must not be important. So, I had to switch banks, which was a lot of work! But not that it matters much, because Courtney now knows all of my personal information including my income, debt, social security number, ect.

BOTTOM LINE: National City Bank is a JOKE at the Coldwater Branch. It is obviously mismanaged. Please do not trust the Coldwater Branch!!!

I opened a bank account for my kids about year and 1/2 ago and the person at NC told me that I had to open a checking for my kids since I didn't have $200 minimum to deposit. He fails to mention if there is no activity on the account after 6 months the account will be closed. So I found out the the money I deposited for my kids is gone. When I call to complain they tell me that I could have opened a savings for my kids with any amount. So because I wasn't given the savings account that I wanted I lost their money. So when I call to complain they say they will call me back...uh yeah never did call back. Nice... I could go back to the National City on Woodman and punch that guy (the one who set up the account more than the one who didn't call me back EVER)! Like it's not hard enough being a single mom and trying to do the right thing. THANKS NATIONAL CITY! I still bank with you for now, but I don't give good referrals anymore like I use to and won't.