I am complaining about my bank.They sent me a letter saying my account was overdrawn $1.06 and the charged me $36.00.And are also charging me $8.oo a day until i can afford to pay it off. I think its is wrong and they are ripping people off and i truely belive there should be a law against this. I want people to know just how Nationl City bank really is. They dont care about there customers at all... STAY AWAY FROM NATIONAL CITY BANKS...

In the past i have made mistakes and had to pay over draft charges. In the past i knew i made a mistake and i never had a problem paying the over draft charges. Today though I look at my account and at the end of the day on 10/14/08 I had a positive balance in my account. Today now all of a sudden i got 8 over draft fees on my account posted on the 14th. How is this possible Im asking myself? I reviewed my account and can not come up with anything wrong. After going to my branch and talking to the branch manager I was even more disgusted with this company. He had no awnsers for me except this in not a banking error those fees came from something that is pending today. Well today is the 15th not the 14th and I STILL had enough money in the account to cover todays, except for the overdraft fees that just decided to pop up out of no where on the 14th. Well after arguing with the manager and getting know where i demanded to speak with someone else. Guess what that person was even a bigger ass then the bank manager and still could not come up with an awnser for me. I have no clue what happened here and no one in this company is willing to exlplain it to me, all i keep hearing is that its not a banking error there is nothing we can do. Believe me people this is a banking error I have never seen this happen before on my account and I know exactally how much money i had in there. These people are a bunch of assholes and if anyone has any information for me to how i may be able to get this resolved or how to go about getting something done please let me know. As far as im concerned though this companay is the worst I have dealt with in my life.

I start by saying I am a faithful National City Employee. I cannot present to anyone what I do not myself believe in. First I would like to say in response to so many posts that in all stories there could be human error and for that we should be forgiving. To be rude or condescending is also not acceptable. With that said, many complaining not only on the blog but in my branch about overdrafts are "MAINLY" those who are in no way responsible for keeping record of their accounts, I will not take blame for that. I respect my customers whether they are in the negative $200 or positive $200K. I am NOT responsible for... your lack of planning and check writing BEFORE you have the funds to do so...Not responsible for your personal life, that is what your family is for... I DO love my customers, I understand them, *** I've had RECENT overdrafts... It's MY fault I knew i didn't have it! I am NOT responsible for your HELOC freeze, Blame BUSH we are just abiding by their rules... Your 2 cent overdraft costing you $34, yep it's a loan baby, you wrote a check your account couldn't pay and by the way we lost more money paying your pizza bill than you did overdrafting. I am actual friends with MANY of my customers and have cried over the death of more than one. I AM National City Bank and I'm truly sorry if you did have an unresolved "issue" and it was not TRULY your fault. I'm in Monroeville Pennsylvania and if you come to my branch you will get the utmost respect from me.

I've found most people are more patient in line at McDonalds waiting for their promised "fast food" than they are at a local bank who is being careful to count their money, keep balances low in drawers in case of robberies... until you have walked in our shoes... I love National City and if you are my customer I love you too.

National City Bank has a carefully crafted scheme for taking your money whenever they can. When payments are posted to your account they may or may not be debited immediately. If a payment is posted and not debited for three days, your balance will actually go up and the payment will no longer be posted. If this happens and you check your balance and go out and spend money, the delayed debits can come through in seconds right after your approved debits. If this happens to you, the bank will tell you they cannot remove the overdraft fees unless it is a banking error. This kind of thing does not count as a banking error.

Not only that but you cannot close down your bank account if you have someone debiting it and you want it to stop. If you go into National City and tell them you want to close your account, they will. However, if any activity, such as a debit or credit, occurs on your account for thirty days after it is closed, the account will be reopened and you will be held liable for all activity.

Also, the agreement that National City Bank has with Visa for the debit cards is that they have to be good for a certain amount of money regardless of your balance. So, if you request that a block be put on your debit card to prevent spending money you don't have, they will tell you that they cannot do that and charge you overdraft fees for every item in the negative. Bank employees are not allowed to remove banking fees that are not banking errors.

If you receive an ACH debit charge that National City Bank does not want to pay on your behalf, they stick you with an insufficient funds fee each time that an attempt is made to debit your account. These fees can put you into the negative, and (like overdraft fees) will incur a daily fee of $8 per day after your account is in the negative for four days. If you have not filled out a report of fraud with the bank previous to the attempted debit, you are responsible for the negative balance and fees. It is not a banking error. You cannot really close your account, and National City Bank expects you to simply give away your money to them.

When you open a checking account with National City Bank they automatically open a savings account for you and put one penny in it. By default, even if you have only that one penny in your savings account, National City will charge you $10 to transfer anything from your savings account into your checking account to cover debit items if you are going to go into the negative. If you cannot cover the entire expense, you receive not only the transfer of funds fee but the insufficient funds or overdraft fees and fees for late payments.

Lawyers tell bankers what they can and can't do, and bankers take whatever they can in fees. That is generally true of most all banks, but National City Bank has this sort of pillaging of people's accounts down to a tee. What they do is perfectly legal, and perfectly evil.

National City Bank is the wosrt. They are completely unethical, extremely unhelpful, and downright liars. On many occasions I have had todeal with extremely rude employees. The lastest occurance dealt with a mysterious overdraft fee for which i was charged for 47 days(8 dollars/ day). No letter to inform me of the overdraft? When i finally came across the error myself and asked about it, I dealt with two of the rudest people. When I asked why I had not recieved any letter or notification of my negative balance, the response was, " I'm not responsible for the mistakes of the United States Post Office." And maybe I should take my complaint up with them. VERY HELPFUL ADVICE. I despise National City, along with about everyone I know. So if anyone was asking my opinion on which bank to choose, I would definitly answer NOT National City!