National City Bank Complaint - Not "My Bank" , only A bank that steals my money!!!! - overdraft and non sufficient fund fees (AKA fleece the customer program)

Posted by bearkatkitten on 2009-09-16:

Regardless of what the teller either says or doesn't say to you, check your receipt and also make sure the funds are posted to your account before you start writing checks or spending money.

"all signs at the bank say " transactions after 2pm available next business day")"

Unless there's a hold on the check. The teller was in the wrong for not bringing it to your attention but it helps to either ask or look at your receipt as it should be printed on there.
That's why you always want to make sure the funds clear first.

This advice isn't just for your bank but for any bank, local bank, or credit union.

Posted by justthefaxx on 2009-09-16:

All banks do this to their customers. That's why they have a disclaimer that says something to the effect of, "we reserve the right to clear transaction in any way we choose, not in the order they are presented."

Posted by KenPopcorn on 2009-09-16:

The sign does not say that the funds are available the next day, there is no way they could do that since all checks are not created equal. What the sign says is that all transactions after 2pm are POSTED the following day. It is telling you what time the tellers cut over, and has nothing to do with availability.

Posted by GI Guy on 2009-09-16:

Obviously you all are working for National City Bank!

Posted by bearkatkitten on 2009-09-16:

How do you figure that?

Posted by GI Guy on 2009-09-16:

I am amazed at the crap people are willing to put up with!
I feel the question is not is the fee legal, but rather is it ethical! Banks don't care for there customers by looking for opportunities to steal ther money, give out bad loans, then get bail out moneys for the mess they created, and continue on screwing us more! We would have been better off to let them all fail and rebuild as they did in the great depression.

Posted by bearkatkitten on 2009-09-16:

All I did was give you some advice and you accuse me of working for the bank. That was advice for no matter where you bank. You could either take it or leave it, you don't have to be rude.

Posted by Ponie on 2009-09-16:

'I have banked with NCB for the past six years...' What a piker--only six years. Get some mileage behind you before you think longevity hath its privileges! I have been in more National City branches than I could ever count, including Regional Headquarters which is about 1/4 mile from my apartment, and nowhere, absolutely NOwhere does it say transactions after 2PM will be available the next day. It says exactly what Ken stated--they will be POSTED the next business day. I've seen some branches that give us a break. Their cutoff time is 3PM. And, no, I don't work for NC, but keep those fees coming. I'm not only a long time customer--much more than a paltry six years--but also a stockholder.

Posted by GI Guy on 2009-09-16:

advice is great, but you are missing the point. We are the customer they work for us. If you trust me as your bank, I should do my best to look out for your money. This bank and probably most banks act like your money belongs to them and youy have no right to question them.

Posted by GI Guy on 2009-09-16:

You a classic example of whats wrong with our country today! What's in it for me? Screw my felow man as long as I profit! "To Whom Much is Given Much is Required" HE will come to collect from you one day!! Read the story of the rich man in your BIBLE.

Posted by Ponie on 2009-09-16:

I think all banks should revert to the system used a long time ago. They should not pay checks when funds are not available but simply return them marked 'NSF.' Wonder how much the company that financed your son's car would have charged you? Of course, then you'd be complaining about that instead.

Posted by bearkatkitten on 2009-09-16:

I'm not missing any point, GI. My whole point was I was just merely giving advice and the only response from you was, "you work for the bank, don't you...." And you never answered my question of why you thought that.

Posted by GI Guy on 2009-09-16:

Oh by the way "great american" I was busy defending my country fro 20 years while you and National City were fleecing the rest of us! So get some time in a uniform and do some real fighting and then youmay be worthy.

Posted by Ponie on 2009-09-16:

Isn't it also written in your BIBLE 'Thou shalt not steal?' If you're taking something (money from the bank) that isn't yours (because you don't have it), that's stealing.

Posted by bearkatkitten on 2009-09-16:

What does the bible and serving your country have to do with banking?

Posted by Diabolical on 2009-09-16:

You deposited the check, which, they clearly stated would NOT be available until the next day.

Then you wrote a check that same day for money that had NOT cleared yet.

Hence the NSF fee.

Posted by Stew on 2009-09-16:

Ponie, how is it stealing if the banks pays the draft. That's not theft that's called a loan. There's a huge difference. It tickles me every time I see a commentator call it illegal or theft. LOL.

Posted by Ponie on 2009-09-16:

Incidentally, National City received NO bailout money. Their now-parent company, PNC, did.

Posted by GI Guy on 2009-09-16:

You are right it does say that. I am not the one stealing it is National City! The BIBLE also speaks of "ill gotten gains" and " what does it profit a man to gain the whole world if he loses his own soul" keep doing business with the Devil, but read the back of THE BOOK, he doen't win we do.

Posted by Stew on 2009-09-16:

GI Guy, If the bank teller pulled out a gun then shot you in the head for asking to use the bathroom many of these commentators would blame you for being in the way of the bullet. It's just what they do.

You learned a valuable lesson and that is don't do business with the likes of NCB. I use a locally owned and operated bank. My deposits are immediately available. Case in point earlier this year I deposited a teller's check for over 30 grand and it was immediately available as soon as I made the deposit. There are plenty of banks out their who will value you as a customer and quite frankly they're hurting for customers. There are so many better options available to handle your banking needs why in the world anybody risk doing business with the likes of NCB.

Posted by Ponie on 2009-09-16:

Incidentally, National City received NO bailout money. Their now-parent company, PNC, did.

Posted by justthefaxx on 2009-09-16:

GI, I too served our country in Operation Desert Storm. Still, if I give a bank the opportunity to rip me off they'll do it. That's why I don't give them the opportunity. No bank cares about its customers these days, its all about turning a profit. I understand you're upset but you're still playing with your account hoping they won't "get you". Trust me, they're not on your side. Ethics, unfortunately means nothing here.

Posted by bearkatkitten on 2009-09-16:

Just make note: make sure the funds are in your account before you start writing checks off of it. That goes for no matter where you go.
It never hurts to ask... "hey, when are these funds going to be in my account?"
Credit unions are wonderful places to go. I've met the nicest people there.

Posted by Stew on 2009-09-16:

National City however was seeking TARP money and upon finding out they probably wouldn't get any then had to sell the farm to PNC. Whether they got the funds or not they certainly did have their hand out.

Posted by GI Guy on 2009-09-16:

Diabolical, If I mail you a check dated today, it takes three days to reach you, you can't take it to the bank until the next day to cash. The day before you take the check to the bank, I deposit the money to cover the check.
My deposit transaction and the check you cash are processed
on the same day. Does the check clear? the date of the check was four days before the deposit, but the funds are in the account today.

Posted by JohnInSoCal on 2009-09-16:

Here is My3Cents and it may not be popular. I understand that banks hold checks and usually (not always) they are up front about how long each check will be held. My question or rhetorical question is if we write a check and it can be electronically processed the very same day, why cant the checks we deposit with the bank be electronically processed and posted to our account the same day, or the next business day?

Posted by GI Guy on 2009-09-16:

I respect all of your comments "Freedom of Speech" is a good thing, I am in the process of closing out with NCB, they don't deserve my business any more, Credit Union is exactly where I'm going, a very small personal one. We make up this country, not the politicians, banks, mortgage and insurance companies they only exsist to serve us, we are allowing them to take advantage of us. Keep your eyes open, be vigulant, call em out EVERYTIME!

Posted by bearkatkitten on 2009-09-16:

Depending on where you bank, John, they have certain policies. I've heard Chase holds your checks no matter what. Others, will normally post the next day unless the hold. And the reason for holds is based on account history... mostly the account history is based on your average monthly balance and if you've had any overdrafts.
And, nowerdays, with fraud happening all the time... a check does not guarantee funds.
I don't agree that holding checks is good. It sucks... especially when you live paycheck to paycheck. But, there's always someone out there that had to ruin it for everyone else. Like the fraud that comes Craig's List. Or the checks you get in the mail from a lottery you don't remember entering. Or the a$$hat that pays for work done on their house with a check from an account that was closed 2 years ago. It's because of a$$hats like that, that have ruined it for everyone else.
Maybe, someday in the future, everything with be electronically processed and we wouldn't have to worry about fraud anymore.

Posted by bearkatkitten on 2009-09-16:

Good luck to you, GI. :-)

Posted by GI Guy on 2009-09-17:

Here's another senario, 15 Sep 09 I'm on phone with customer service, trying to get account after an "Idenity Theft issue. I go line by line over each transaction back 30 day, everything matches up except the running available balances are more than $200 off (we are both on-line, looking at the same account) I get nowhere taliking in circles on phone. I printed the statement to show what I was seeing on my end, went to branch in person on 16 Sep 09, get the same talking in circle routine, the guy tells me there is nothing wrong with my account, all funds have been returned, I explained we still have a $200 difference, I need to figure out where the money went to and get a correct balance, he kept insisting the account was fine, I finally gave up and left. I checked my account prior to going to bed that night (no running balances are available) as when they are updating accounts. I checked my account this morning 17 Sep 09, ALL balances as far back to Jun 09 had been adjusted to take up the $200 difference. CAN ANYONE GIVE ME A REASON WHY A BANK WOULD DO THIS if they are an honest bank ????

Posted by DigitalCommando on 2009-09-17:

Moved From Other Review: Your entire problem is caused by your selfish decision to own a phone that enables you to call and complain about bad service to the totally innocent bank which is completely incapable of error. Please disconnect your phone and remember, banks are the only true light in our existence and they are to be worshipped and revered, now slip into your zebra pattern snuggie, face the bank and bow down 5 times. You'll feel much better, I promise.

Posted by JohnInSoCal on 2009-09-17:

Moved From Other Review: You posted a complaint against this company yesterday. That post should have been updated with this information.

Posted by PepperElf on 2009-09-17:

Moved From Other Review: perhaps admin can combine his new complaint in with the old one then?

Posted by JohnInSoCal on 2009-09-18:

Moved From Other Review: Yep, they can.

Posted by GI Guy on 2009-09-18:

Moved From Other Review: Here's another senario, 15 Sep 09 I'm on phone with customer service, trying to get account after an "Idenity Theft issue. I go line by line over each transaction back 30 day, everything matches up except the running available balances are more than $200 off (we are both on-line, looking at the same account) I get nowhere taliking in circles on phone. I printed the statement to show what I was seeing on my end, went to branch in person on 16 Sep 09, get the same talking in circle routine, the guy tells me there is nothing wrong with my account, all funds have been returned, I explained we still have a $200 difference, I need to figure out where the money went to and get a correct balance, he kept insisting the account was fine, I finally gave up and left. I checked my account prior to going to bed that night (no running balances are available) as when they are updating accounts. I checked my account this morning 17 Sep 09, ALL balances as far back to Jun 09 had been adjusted to take up the $200 difference. CAN ANYONE GIVE ME A REASON WHY A BANK WOULD DO THIS if they are an honest bank ????

Posted by GI Guy on 2009-09-18:

I as incorrect on the date of 15 SEP 09, I spoke to customer service on the 14th by phone, I spent all day on the 15th at the Veterans Hospital, I'm hoping some one with both legal and accounting background could answer my question. When would a bank go back this far to change information ? I wasn't contacted by any means, to say " we found the error, we've corrected information back to the date of error..." nothing, no contact! JUST CHANGED 4 MONTHS OF ACCOUNT DATA. So are my paper copies mailed every month no good ?

Posted by KenPopcorn on 2009-09-18:

GI... do you balance each statement? If so, it would be a snap to show them where the difference happened.

Posted by GI Guy on 2009-09-18:

No, unfortunately I don't, but it shouldn't be too difficult for customer service to assist in this matter, espescially due to the idenity theft. If the customer comes in with a question or concern THE BANK should help answer that question or concern WITH OUT FAIL, even if customer is very upset. I was an Army Recruiter for 13 years, I handled many hostile situations from parents, to educators, protesters, and worked every situation through to a satifactory conclusion. I never got rude! I continued in a calm voice until the other party calmed down and then discussed the issue.