National City Bank

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Category: Business & Finances

Contact Information
Arizona, United States

National City Bank Reviews

April 20, 2008

Predatory Bank Practices

My 23 year old son & I have checking accounts with National City. Since my son is in the Army, we linked the accounts so we can transfer money back & forth. On the night of Monday, April 14, 2008 at 11:23 p.m. I transferred some money from my son's account to my account. Immediately afterwards I paid a bill in the exact amount. The next day I was hit with TEN overdraft charges! NCB says it's because the bill payment (the debit) was immediately charged against my account, while (according to bank policy) the transfer (credit/deposit) didn't get applied to my account until 8 a.m. the next day since it had occurred after 8 p.m. When I confronted NCB officials, they said the credited amount was "unavailable" despite the fact it had been removed from my son's account at 11:23 p.m. They can't tell me where that money was for 8 1/2 hours (I know where it was: in the overnight "sweep", making money for THEM, while they charged ME for not having it in my account!) NCB refuses to refund the OD charges, stating "it wasn't a bank error". It may not have been a bank error, but it sure is unethical.

October 11, 2007

Poor service!

I had a Checking account with this bank late last year. I had $129.00 in there when I had left for vacation. Well I had written a check for some service done to my truck and was promised by the bank that it would not be withdrawn from the account until monday. Well while on my way back from vacation on sunday. I called the automated info line and found that my account was $230.00 in the negative. Well when I went thru the transactions I had found that They stayed shipping back checks and withdrawals that had been cleared for over a month to make up for a $23.00 overdrawn mistake. Come monday I spoke with the branch manager and was told it would be taken care of. Well I paid her the 23 dollars that I owed to the bank and went on my merry way. 2 months later I get a letter stating that My account was closed due to being overdrawn by $1048.00. Which I closed my account on the day I paid the 23 dollars. I tried calling the corporate offices and all they tell me is to go thru the main branch offices. They will not help me. It is a new branch manager now. and I have a very bad report on my credit from a Allied Interstate which I guess is a collection agency for national city. I have sent them numerous letter also and have no answer. So What am I supposed to do now? Plz advise smb!