Complain about a product or service

National City Bank

nicole of monroe, MI November 10, 2009

I was charged continous insufficient funds fees, contin. overdraft fees every few hours everyday by National city, and there was fraud on my account that helped result in this mess. I have been taken advantage of in excees of 600.00 by them in less than a two week time frame.

Carol of Fishers, IN November 2, 2009

Same thing as I've read many times on this website..only we've been a National City customer for 30 years...and in the last week we deposited a check that apparently didn't "clear" before their dealine..although on my STATEMENT it showed up before any "withdrawal transactions"... left us in the red of 102.00....called and talked to Tonya who was definitely reading from their script...."felt my frustration..blah blah blah...CALL YOUR CONGRESSMAN!!!!" ws her advice....unbelievable! They did refund 1 overdraft charge,after I brought it up and she said "well if that's what you're asking"! after 1/2 hour...no what I was asking was WTF are you trying to pull off.... but they should have refunded all 3!!!! Yes 3!!!! Granted....I may be going through a spell when my finances are not the best..but I always cover my expenses and pay my bills on time...they will wish they had done business differently in the future....

A of Columbus, OH October 24, 2009

Wow....every posting here reflects what happened to me so well that it is uncanny. With a banking holiday on Columbus Day, my regular posting of deposited items was delayed by a day causing a regular payment against the account to create a negative of 2.65. After the negative and their 34, two more items were presented, paid and charged. I phoned the bank manager. She said, "Oh, no problem, we will refund these overdraft fees for you. That comes to 112 dollars. I'll do that right away". "Right away" came and went. I checked every hour for three hours then called again. "Oh, we are not going to refund the overdraft fees to you. It was a misunderstanding"....WHAT?

I was apalled and stunned. I said as much. Then this manger said she would refund one of the fees. Then put me on hold. Then came back and said she would refund two of them "very soon". Another two hours passed. I phoned again. "Well, I will make the refunds to your account by the end of the business day". Knowing now that I could not believe a word this person said I told her that I would be calling every 30 minutes to check. Five minutes later, the refund of two of the fees had been made.

I was lied to and humiliated by this bank in this situation. I had had an account with them for 7 years. My mother was a teller with their predecessor, BancOhio. I even knew the family that founded the blasted bank, the Wrights. I waited for every item out to clear. I took my cards and went to that branch to close the account. Here's what I told them when they asked if there was a reason why I was closing my account.

"Having an account with your bank means that I am in business with your bank. I was lied to by your bank and I do not do business with dishonest people. I am a business person and when I give my word, I keep my word. Even if that means cost to me. My word is very important to me and it is important that I be able to rely upon the word of those with whom I do business. Now your profit and loss department for this branch had gained and extra 34 this month by doing this to me and with that perhaps you can have a few extra pizzas at your next meeting, but you will never have the opportunity to do business with me again nor earn any benefits from my money.

Keeping an account with you after what your bank put me through would constitute tacit approval of lying, which I absolutely will not do." Suddenly, I had their attention. "Let me look at the account. Oh, I can refund that remaining overdraft charge for you. Will you stay with us as a customer". "No, I replied. I would like for you to refund the overdraft fee and to close my account immediately." Which I did.

I will never do business with whatever sort of new world order lying monster this place has become. She kept trying to sweet talk me and refer to the "misunderstanding" to which I retorted "I wish that I could say that what happened to me was a misunderstanding. That's a much nicer word and I would feel better about what happened to me if that were the case. Unfortunately what happened to me is that I was LIED to".

I got all of my overdrafts back and they'll never have the chance to fleece me again.

David of Bloomington, IN October 16, 2009

Yet another overdraft charge horror story. I should mention I moved to a town where there are no National City branches, but kept the account open because my insurance payment was automatically deducted from there. So, knowing there was a 133.10 charge coming up, on the evening of September 30th, I deposited 140 into my checking account bringing the balance up to 147.27.

I logged in to my account online this morning (10/16) for the first time since then and discovered I apparently owe them over a 109. The account on 10/01 shows first a deposit of 140 bringing the balance up as expected. Then its the charge of 133.10 bringing the balance down to 14.17.

And the charge after that is an Overdraft charge. Then a few days later, it's the "continuous overdraft" charge where they take 8 every day from your balance. You'd think they'd email you or call you if your account is overdrawn. But that's not bank policy. They mail you a statement. A statement I've yet to receive. Considering the amount of junk mail I receive, I may have tossed it out with all the other flyers and ads. Though considering their customer service and bank policy, I can't help but wonder if they really did send something out.

The only thing overdrawn was the overdraft charge. After discussing the situation with an online specialist, I found out that when you deposit at an ATM, you only have 100 of that deposit available the first day. The rest is available the next. So even though my account balance was in the positive, apparently 40 of the deposit on the 30th was not available. This is not the policy of an institution with any concern for customers or service. This is cold-hearted business practice leeching and sucking anywhere they can. And since I didn't think to check my account until today they legally stole 124 from me.

I've closed my accounts and know that there's nothing I can do. Other than warn people about the kind of bank National City is.

Melanie of Lincoln Park, MI October 16, 2009

I went negative in our account 4.00 on Monday (due to 4 ATM fee I was not expecting) and was told if I made a deposit same day, I would not get charged NSF fees. So I had my husband rush to bank after I got some money to deposit 157. He got there 10 minutes late and I told him to deposit through ATM (cash) so it was the same day. Woke up in the morning to find they took out 68 in fees. Called and was told ATM doesn't count as same day. So, National City went on to charge 34 seven times and keep me negative. I called branch and manager removed one fee. Called headquarters and after arguing about the fact that it is Same Day and I have receipt to prove it...even if they have loop-holes- they wouldn't refund even the original 70.

Tamera of Corbin, KY October 15, 2009

my son's checking acct was neg 17 on Tuesday(10/13/09) when I checked online banking that evening so I immediately t/f 22 into his account. Thursday morning I checked online and his acct was charged 36 x7= 252 in overdraft fees. He is an 18 yr old full time student at EKU and works PT and this was the first time he's ever been in the negative. We went to the branch to rectify the situation and I got nowhere except that they'd take off 2 of the charges as a courtesy.

Well his atoumatic deposit from work went in his acct Thur. as well, a total of 157 and that left him in the neg still 90. She refused to do any more but refered me to the call center instead, I called from the parking lot and was told I shouldn't have even called them at all..it's the branches decision to rectify the situation. At this point I continued to try to get somewhere with them by asking a slew of questions on what we could do & he could not come up with that kind of money..I was told the same thing over and over and she wouldn't let me speak to anyone else at all and after 30 minutes of going in circles, she hung up on me! WOW! What else can I say or do?

Keith of Erie, PA October 15, 2009

I keep getting hit with 34.00 overdraft charges. Just this week I was charged 12 Overdraft charges totaling 408.oo Even after my girlfriend deposited 620.00 Tuesday Oct.13th.2009, my current balance is -695.00 (minus) The bank automatically just takes the money out.

Jasmin of Dayton, OH October 14, 2009

I made a deposit at National City bank. The following Monday was a holiday, so my check should have posted Tuesday. Conveniently, it didn't. BUT, all of my debits came out. So instead of having a balance left over after everything came out, I was charge 9 overdraft fees and am almost 300 in the negative. This is not ok. I made phone calls and even went in to rectify the situation, and was told, "Well, you did overdraft your account" THE ONLY REASON MY ACCOUNT OVERDRAFTED WAS BECAUSE YOU IDIOTS CHARGED ME 9 FEES FOR NO REASON!!! This bank has horrible customer service, rude employees, and defunct website that is of no help, and worthless managers.

James of Clarion, PA October 9, 2009

October 2 deposited paycheck to local branch and received money back. Receive message from fellow employee 1 week later about problems with their check stating National City Return Check. come to find out all other checks for payroll ok except 4 ( interesting) all 4 were deposited at National City Bank so all have been changed fees and have to wait to receive check in the mail with reason why not deposited.

Seems like national City must really be hard up for money to screwing people like this. Note spoke with employer no issues with their account and nothing has changed with the process of how they do their checks. no access to money, over 250 in fees, time spent inconvience, embarassment,

John of Pekin , IL October 8, 2009

On Oct.1st I deposited a check into the ATM on my lunch break for 460. This was a personal check written to myself and my wife from my mother in law. The problem or at so I am told so far is that only my name was signed on the check. We used the card for gas and diner a few times never had any problem until five days later my wife went to use the card and it was denied.

I contacted the National City bank who told me that the check was returned because there was only one signature on it and that my balance was now -600. This has been 7 days now and I still have not seen the returned check . I never recieved any notification that the check was returned via mail , email , phone call or anything. I even cashed my paycheck at the bank two days later and nother was said. However this hole time I was getting miltiple overdraft charges adding up tp -600.

I finaly talked to someone who said that they would make sure no more overdraft charges were added but they would not refund the ones that had already occured. Their response was that it's not their fault that we forgot one of the signatures on this and when I said we had no idea this happened and that there was no notification, plus they let charges build up on it for several days even though there was no money in the account

National City Banks response was that we should have checked online after we made the deposit. This is a rip off and I fell that i have been taken advantage of. They seen the error and abused it to their bennefit. the bank took all of that money plus more because they knew thye could take advantage of the situation. Plus I have had no money for seven days now to feed my children and still have not seen the returned check.

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