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National City Bank Complaint - Overdraft System Is Criminal - Check/Debit Car
Check/Debit Car - Complaint
DETROIT, MICHIGAN -- This all started when I deposited my workers comp check into an ATM on Labor day weekend. I was aware it would take an extra day to get into their hands because of the holiday. But what happened next is criminal in my opinion.
I already had funds in the account and had used my debit card thinking I was drawing on these funds. I wrote my rent check out of the deposit funds the day after I made the deposit. I was estimating that the check would clear and my landlord would make his deposit all in about the same time. Why would I assume this? Well the workers comp check was written from a National City Account and when I made previous deposits to tellers, the money was available right then.
When I checked my account on the Wed after Labor day I was shocked to see numerous overdraft fees totaling over $350.00. The deposit I made was still pending even thou it was drawn on the same bank. I called numerous people including the branch and 800 #s. I was actually told once "Hey, we are in this to make money."
My biggest complaint with this is the fact they cashed the rent check knowing this would cause a shortfall when the pending debit charges came through. If they were ethical and cared about their customers, and I would understand if they did this, they should have bounced the rent check which would have saved me a couple hundred dollars in fees. But according to another branch employee, the fees they rack up go to whichever branch you opened your account at. It goes toward their total profit for the year. There was not enough money in the account to cover the rent check. I guess I am guilty of writing a bad check. That's fine. But they allowed it. This "we are doing this service for our customers" is a load of crap. They are doing this for themselves. I was also told by the branch I opened the account at, "we have policies we have to go by." There is no human factor inputed into the equation anymore? It was clear I was not out writing bad checks and using my debit card knowing I didn't have the money.
This is why I hope all the banks fail and these people who gave me the run-around are out of jobs. We actually gave tax payer money to banks like this! It blows my mind. My advice is stay away from National City. They are full of crooks.
The other problem I had was when I withdrew 100.00 from their ATM and only received 80.00 Take a wild guess if I got my money or not? As a practice I count my withdraw in front of the small camera as soon as I grab the money. It was clearly short. I went inside to complain, fill out a form, two weeks later was told the machine was in balance. Nice to see they can review the security tape if something happens outside one of their machines. They had no answer when I told them I counted the money in front of the camera. For once, they were dead silent which tells me they are nothing more than dirty thieves.
I already had funds in the account and had used my debit card thinking I was drawing on these funds. I wrote my rent check out of the deposit funds the day after I made the deposit. I was estimating that the check would clear and my landlord would make his deposit all in about the same time. Why would I assume this? Well the workers comp check was written from a National City Account and when I made previous deposits to tellers, the money was available right then.
When I checked my account on the Wed after Labor day I was shocked to see numerous overdraft fees totaling over $350.00. The deposit I made was still pending even thou it was drawn on the same bank. I called numerous people including the branch and 800 #s. I was actually told once "Hey, we are in this to make money."
My biggest complaint with this is the fact they cashed the rent check knowing this would cause a shortfall when the pending debit charges came through. If they were ethical and cared about their customers, and I would understand if they did this, they should have bounced the rent check which would have saved me a couple hundred dollars in fees. But according to another branch employee, the fees they rack up go to whichever branch you opened your account at. It goes toward their total profit for the year. There was not enough money in the account to cover the rent check. I guess I am guilty of writing a bad check. That's fine. But they allowed it. This "we are doing this service for our customers" is a load of crap. They are doing this for themselves. I was also told by the branch I opened the account at, "we have policies we have to go by." There is no human factor inputed into the equation anymore? It was clear I was not out writing bad checks and using my debit card knowing I didn't have the money.
This is why I hope all the banks fail and these people who gave me the run-around are out of jobs. We actually gave tax payer money to banks like this! It blows my mind. My advice is stay away from National City. They are full of crooks.
The other problem I had was when I withdrew 100.00 from their ATM and only received 80.00 Take a wild guess if I got my money or not? As a practice I count my withdraw in front of the small camera as soon as I grab the money. It was clearly short. I went inside to complain, fill out a form, two weeks later was told the machine was in balance. Nice to see they can review the security tape if something happens outside one of their machines. They had no answer when I told them I counted the money in front of the camera. For once, they were dead silent which tells me they are nothing more than dirty thieves.
Comments:
Posted by justcuz3993 on 2008-12-18:
Your mistakes started with "thinking" and "estimating" funds were available. You have to "know" what is available before you spend, that's how you don't get stuck with these fees.
Posted by Cyane on 2008-12-18:
Unfortunately, National City ATMs don't distinguish between cash, NC checks, and non-NC checks. The tellers can make the NC checks available to you immediately.. when you make the deposit inside the branch. Your deposit wouldn't have been available until, at the earliest, Wednesday morning because of the Monday holiday. The bank could have declined to honor your rent check, but you still would have been hit with an NSF fee, and probably an additional fee from your landlord. ATM issue should have been looked at and you should have been credited your additional $20, but if you've caused problems in the past, the bank isn't going to give you $20 for goodwill, esp if the ATM balanced. It's okay though. NC is getting bought up by PNC, have fun dealing with them.
Posted by Ponie on 2008-12-18:
National City is one of the banks I do business with. Did you check the receipt you got at the ATM? There are two dates shown on it: 1) Today's Date; 2) Business Date. If you make a deposit on a week day after 3:00PM, #1 will be the current date, but #2 will be the next day. Over the holiday weekend, it may have been even more than just the next day.
Posted by Chitwngirl on 2008-12-31:
You wrote a bad check and you knew it when you did it...the rest that happened was KARMA!
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