National City Reviews
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needtobeheard
February 3, 2010
Unfair fees
We are constantly overdrawn with this bank!! It's extremely difficult to use their 1-800 number or their online system with any positive results. Our overdrafts are always due to debits that seem to randomly post. Our balance changes on a day to day basis when we have stopped using the card as they reorder transactions to benefit them. The main problem I have is situations such as this one:
We used our debit card to purchase groceries and a few other smaller items. I came home and noted the debits in my spreadsheet and subtracted it from our balance. We didn't use the account for 4 days. At that point, I went back in and there was MORE money in the account than I thought. I called the 1-800 number because I could see no deposits or credits that would account for the difference. They told me that the system was correct and I must have made an error in balancing. We used that money that week. Then I get overdraft charges! I called again and no one could explain it to me. This happened several times and I finally got someone on the line (hundreds of dollars in fees later) that explained the Bank takes the money out of your account right away. From that point, the merchant has 3 business days to post it. If they don't, the bank puts that cash back into your account. However, it may come out again days later. Here is my problem with this method. I had accounted for my debit card purchases and balanced my account. When the merchant didn't post to the bank, the bank didn't show a credit of those funds back. They simply went BACK INTO THE HISTORY of transactions and wiped out that entry as if it never existed. So, when I called, the rep told me the computer balance was correct and those funds were available. At no point did they tell me these funds represented debits that were reversed. Had I seen an opposing credit on the transaction history, I would have known that these funds were still pending. But they go back DAYS into your history and just alter what's there. What's the point of a "history" if they reserved the right to change it randomly?
Secondly, we overdrew our account by ONE PENNY this week. ONE PENNY! We were slapped with a $35 OD fee. By the time I ran to the bank to try to cover it, the OD fee has grown to over $300. Needless to say, the $50 I was holding in my hand was pointless at that time. The OD fee overdrew the account by so much that other debits that posted the day before (Sunday) were hitting and ODs were causing other OD fees. It never ends!
According to National City, there is nothing they can do here. I got a credit for $108 and that was it. I asked them to close this "courtesy line of credit" for me. If there is no cash in my account, then don't clear debits. It would save me from buying a $40 latte and a $50 pizza. But, I was told they can't do this. I will be using prepaid Visa cards from now on and I will stick my debit card in a drawer. I'm sick of this!
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AbolishNationalCity
October 6, 2009
Overdrafting my life
For all you out there considering an account with National City BE AWARE. I am 20 years old, in college and still living with my parents. I have a boyfriend who has a son and they live with us. I am the mother figure to his son, and I consider him a dependent of mine. I work 38 hours a week and attend college online at nights, sometimes I get ahead of myself but I have only over drafted my account once in my whole life!
I opened up a personal checking account when i was nineteen (a year ago), National City is the closest bank to my house, also the bank that my place of employment uses (so I am there often enough as it is). The only debit I have that directly deposits from my account every month is a gym membership at Golds Gym. They charge me 19.99 every 20th of the month and i have never missed a payment.
Now here is where my complaint about National City starts...I had literally $2.00 in my account (what can i say, I'm a college student) and Golds Gym took an additional payment out from my account. I had just payed them exactly two weeks ago and immediately wondered why I was being charged again. When I called Golds Gym and asked about the overage they charged they told me it was mandatory, that it was because their "terms and regulations state that i am to be charged every beginning of October to protect my membership cost". WHATEVER. I was never told any of this information, nor mailed any rules and regulations/terms and conditions. So not only did Golds Gym charge me without me being aware of these policies, National City fed off this opportunity and it is ruining my life.
So imagine my unforgiving $2.00 balance, charge $28.83 and that leaves me -$26.86 in the hole. I get payed today and have consulted with the bank tellers and management about the issue with "Not Knowing", they seemed cold-hearted and determined to make my day worse. I simply asked them if they could give me a round-about of what my charges are going to be tomorrow, when i wake up and go to the bank to see half of my paycheck already taken out of my balance (see i have direct deposit...)
YES i did have an automatic transaction agreement with Golds Gym, BUT not KNOWING of these withdrawals makes it okay to charge me so much $ per day without knowing how much??!!??!!
I have not been at my computer all weekend due to work, I was not able to log into my online bank statements until this Monday morning. It has already been two days since Golds Gym took money that was not there *charging the debit check card # from which they have*, and National City has not ''POSTED'' any overdraft fee's in two days. They are GOING to take the money from my payday direct deposit Tuesday morning with all the accumulated overdraft fee's.
Why cant I locate any information available to me about overdraft charges? I have looked online and have asked the tellers but I am at a dead end. Not only does this issue make me furious, I am in a financial crisis enough as it is and THIS particular overdraft is going to put me in debt with my utility bills, my phone bill, my rent bills and my step-son's appetite! I live pay-check to pay-check and was just making it through the pay-periods, until this. Now I am obtaining bad credit and financial negatives.
Everyone knows that having a checking account means that when agreeing to a payment withdrawal you will be charged X amount of dollars per month (or payment). HOWEVER. When is it ever okay to treat individuals (who in a business world are called 'customers') like they are worthless and stupid? I may only be twenty years old but i have gone out of my way to understand National City's rules for overdraft fee's and cannot find a written rule about them yet! I feel completely taken advantage of and am closing my account out as soon as my balance hits $0.01. Its going to take a while, after all the late fees and overdraft balances paid and I am working so hard in my life right now to get it all taken away and for my step son to be demoted to eating ramen noodles and hot dogs. I don't make much money, and National City is eating well with all the overdraft money they accumulate.
ABOLISH YOUR ACCOUNTS WITH NATIONAL CITY.
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niralee80
June 7, 2009
Harassing Calls for a Mortgage that isn't even late
For the past 3 months, collector's from National City Mortgage have been calling me but I have not yet been late on even one payment since I have owned the house. Every time they call, I point out that I've never been late and they say they will take me off of the list. Yet, every month, I get an endless barrage of telephone calls from them. They call me throughout the day but do not leave any messages. Yesterday, June 6, 2009, they called at 8:15 am and said that it was their right to contact me and to demand if I had sent my payment, regardless of whether or not I had ever been late (which I haven't). According to them, I am a credit risk because I'm a single, minority female who owns a rather expensive home on the Connecticut shoreline. However, to me, that sounds like discrimination. I have never been late on a payment in the two years I've owned this house, my credit score is nearly perfect, and my mortgage is the only debt I have. They, once again, contacted me this afternoon. I would like for them to stop calling me until there is a point in time in which I am ever late on a payment. For them to harass me every month for days on end is ridiculous, particularly seeing as I have never been late on a mortgage payment--ever. I am filing a complaint with the Connecticut Department of Banking because this is RIDICULOUS!
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annextl
May 13, 2009
Overdraft fees
I have had a national city account since 2007 and this isnt the first time this has happened but i am tried of it happe ning. they charge my account a 36.00 overdraft fee for a purchase that hasnt even been made yet. they charged me the fee on the may 12 of this year, when the charge is pending for may 14 and my girlfriends check was deposited into the account on may 13 so how the hell are they going to take 36.00 out of her money for a charge that hasnt even been made yet. i have tried calling them and they act like its ok to just take 36.00 of our money im on ssi and shes on unemployment and we have an 8 month old baby . its like i dont have 36.00 to just give to you for what a charge that hasnt even happened yet, i need that money to pay our electric bill but do the give a sh*t nope its your fault so i filed a complaint with the better business bureau if this has happened to yo udont take it lying down
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Martines
May 7, 2009
Overcharged
I deposited 2 checks (paycheck and rent check) in my National City account on a Saturday and was told the money would be available by Monday. Showing a balance of 1800 dollars I made purchases and payments that Monday as usual. The next day I see 16 over the limit charges, Totaling 510 dollars! I spoke with the representative and they told me as of the new policy they just changed a week earlier all debits now come out before credits and credits do not post till the end of the day and that due to the change I had to re-enroll for my overdraft protection which should have stopped all this to begin with. I was told a letter should be coming in the mail soon explaining it. How can they make a policy change that will screw many people without being sure to notify the customers first? And how the hell do you let 16 charges go through on an account that allegedly did not have the funds to cover the charges. Most likely they don't want to tip the customer of by having their debit card stop working.
I have been a National city customer for years and even have a Mortgage with them for one of my rental properties. I was even planning on using them again this fall for a Mortgage, but that's not going to happen now. I am closing all of my accounts with them and am planning to refinance my property at the first chance. Thanks to their backstabbing tactics they have just lost themselves about 200 thousand dollars of my future Mortgage interest because of 500 dollars in over draft fees.
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N. Haselton
April 16, 2009
Overdraft Fraud
I had a positive balance of over $1000 in my account and I went to purchase a laptop from an electronics store for $700. National City charged me three times for $700 and put me into arrears of over $1000 with additional overdraft charges. I went to the electronics store to verify that they hadn't charged me three times and they're audit team verified I was only charged once. After calling National City they told me they would have to send an afadavit to the store verifying they hadn't charged me three times and the process would take 10 days while I would be left flat broke with pending debits accumulating overdraft charges. The electronics store agreed to contact National City to verify they hadn't charged me three times and that they would reimburse me for any overdraft charges. National City's customer service is horrible and this is clearly fraud on their part.
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d4guse
February 11, 2009
over charges and harrassing annoying hang up calls
Wow so many complaints and I believe every one of them. Many years (aprox 20 years) ago I opened my account while I was starting my career with the then Michigan Bell. As years passed it became neccessary for me to open a second account and add another person to my original account. Since his death in 2003 they closed my original account and claim I've only been a customer of theirs since 2002...When in actually I had an account with them since the early 1980's. Well to make a long story short...I get hit with overcharges, so many that I was force to change my direct deposits form 2 different sources to another bank.
And of course they have not once removed the overcharges even when I personally went in with proof that it was their error. The kicker of it all is that they continue to call for example today 2-11-2009. they have called my home number 14x between the hours of 9:46 am -6:40pm est without leaving a message on the answering machine!! what is the purpose of having a answering machine if they do not speak to it??? Thanks to att I do have caller id it says toll free number 1-8669255972. After the 10th call from them this evening i called the number yep it was national city...I spoke to candace and andrew and paul and candace again with just a simple message..."LEAVE A MESSAGE"!!! Talk about poor phone etiquette and customer service!!! On the last call I advised them they are making harrassing and annoying calls unecessary and if this practice continues I will press charges. Anybody else out there getting these calls? I should charge them $36.00 for every call to my home phone and another $36.00 for every returned message of advice I call back to them to get the correct handling of business thru to them!!! THEY ARE BREAKING THE LAW!!!
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Angry
January 1, 2009
checking/investment
I rolled my Ira over into Nat City. I wanted some money out because I just moved and wanted to get caught up on bills. Weeks passed and no deposit. I called several time no response. My car and rent was to be be paid. I explained that to them when I got money out. They never called me back I couldn't tell my people not to take money out..because I did not know when it would come be deposited. Finally got a hold of Nat City, they stated the paperwork was wrong and were waiting on banker to fix it. So, after approximately weeks money was deposited. During that time funds had been taken out, which of course acquired NSF. The NSf ate up most of the money deposited. Well NSF were acquired, then bank put my account on HOLD. Which meant NOTHING WAS PAID. THE BANK didn't even tell me the account was on hold. My account was put on hold, which means MY CAR PAYMENT WAS NOT TAKEN OUT. Since my account was on hold and funds could not be sent for my car loan MY CAR WAS TAKEN. So, I decided to take more out of my IRA to get my car back. It has now been another weeks and the funds are still NOT DEPOSITED INTO MY ACCOUNT. THE PAPERWORK IS STILL INCORRECT. I HAVE SPOKE WITH MANAGERS I HAVE GONE INTO THE BANK. I HAVE DEALT WITH THIS SITUATION AS MUCH I AS I CAN ON MY OWN. I still am not getting anywhere. My car is officially gone. I am now currently speaking with a manager from corporate. I have also filed a complaint with the Federal Reserve /OCC.
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Howard
December 25, 2008
Overcharged
Being on the road for work most of the year I had mistakenly missed a couple payments to my National City credit card.
When I called to pay I mentioned my forgetfulness to the representative. He asked me if I had a National City checking account (which I do) and thus proceeded to tell me about a service that would automatically take a specified amount of money out of my National City checking account each month to go towards my National City credit card.
Obviously, I liked this idea and we proceeded to discuss what amount I should decide to have deducted each month. I debated for a minute and decided that since I didn't use the card that much that I would stick with $75. It would be enough to at least cover the minimum payment if I were to miss a payment again but not too much where I would over pay.
Fast forward about 10 months. I was home going through my bills and statements and noticed that my checking account had been getting a $10 fee each month. I called National City and they couldn't figure out what the fee was for. I noticed that the charges were coming at the same time as my automatic credit card payments and they told me to call National City Credit Card.
Luckily, I had kept the name and number of the representative I spoke with when I originally set up the service (he mentioned to call back in a year to continue the service). When I called and spoke with him he told me that yes there was a $10 monthly fee and that he had mentioned it when we set things up.
I should have been tipped off to how things would go by that statement of his. How could he have remembered me from 10 months ago and be so sure that he told me about the monthly fee? I asked him if they recorded the phone calls and he said that many times they did. I said I would like to hear him telling me and me agreeing to paying a $10 monthly fee. I asked him why I would agree to pay $120 in fees per year when the whole point of our conversation was to eliminate me paying extra fees due to forgetting a payment a couple times per year. The cost of missing a couple payments was far less that the $120. I asked to speak with a manager.
After about 2 minutes a manager came on the line. She had been briefed on the story and stated that there was nothing they could do. She asked why it had taken me so long to report the issue. I will admit, I could have checked my statements online while I was gone but I didn't. However, that does not excuse the fact that I was not told the most important detail of this 'convenient' National City service.
I asked the manager to hear the recording of my phone call. She stated it was against company rules to share it with me. When I persisted she said she had already listened to the call and that the representative had told me about the monthly fee.
At this point I was beside myself. How could she have listened to the call in the short time I was on hold? The original conversation took about 5 minutes and that doesn't even include who knows how long it would have taken for her to find the recording let alone listen to it.
I asked her what was said in the conversation. Here she made up some fake dialog that said how he told me about the fee and how I agreed. If I hadn't been so angry I might have found the whole thing comical.
After her blatant fabrication she wouldn't make any concessions on removing the charges. She was adamant that the company did no wrong. She also would not even agree to the logic that I would never have signed up for a program to save money when simple math could prove it would cost me more.
She offered to remove another fee from my bill which amounted to approximately half the cost of the unwanted charges and essentially gave me a take it or leave it ultimatum. Frustrated beyond belief, I took the offer. Since then I have regretted taking the 'bribe' and not pushing my case further.
I wonder how many people they coerce into this plan either on purpose or via negligence only to keep their money.
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October 28, 2008
Scam and fraud
I have had problems with their online banking system - THREE times in the past TWO months I have had mysterious overdraft fees placed on my account when I never carried a negative balance. Each time it cost me over $90 in fees. They say it is b/c of their system assuming their will be a negative balance if a pending deposit doesn't clear - but it DID clear and each time the deposit was made in person and in advance of the business day in question. I just had to accept it b/c their system said it was so. I am currently in the process of moving all my money over to the local credit union and will NEVER use National City again - what a bunch of crooks! I can only hope that these practices (as well as their history of predatory lending) will make them the next bank to go belly-up in this economy.
If you are considering National City for your banking needs, please heed the complaints of this site and STAY AWAY!!!
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