National City Bank Complaint - National City Ripoff
Why am I always overdrawn the amount of the overdraft fees the bank charges...meaning if they didn't charge me I would not have been overdrawn!!! My husband and I are really close to the vest about spending money from our checking account. I have been very sick this past year and we no longer have savings but we do have a checking account with National City. Unfortunately, it won't be for long. I can't tolerate their abuse of overdraft fees. I just had them refund 2 overdraft fees 2 days ago since according to MY records I would not have been overdrawn if they had not added those fees..there were NO overdrawn checks, no amounts in my book or on their on line record that should have made my account overdrawn.
Still when they refunded the 2 fees, a total of $68 we were apparently (according to THEIR records) we were. 50 (50 cents mind you) overdrawn. So the girl on the phone said if my husband could get to the bank and deposit this. 50 I could safely start my check register with a zero balance. Instead my husband deposited $100 giving us a positive balance of 99.50. This was the balance after the OD fees were refunded. The next morning, on line I check the balance a viola (!) suddenly my balance is $150odd dollars!!?!? huh?? WHERE DID THAT COME FROM? I waited 24 hours and the balance was the same...actually it pretty much balanced with my book..so if I suddenly went from $99.50 to over $150 where did the money come from? The next day (yesterday) the balance showed an overdraft amount of $36.03 so my husband zoomed to the bank and deposited $75 at approx 9:30 am since the bank told us if the money was in by 2p there would be no charge. Now again this morning I checked my account which granted should only have a $2 balance but nonetheless a positive balance and they have taken ANOTHER over draft fee leaving me $32 in the negative..their overdraft fees are $34.00 dollars..see where I am coming from???
Does anyone know where I can report a bank for deceptive practices?? I have had it with them and will be opening a new account somewhere else..Can anyone recommend a good financial institute in the Chicago area? This bank always has an excuse, saying they can charge OD fees on PENDING charges????? I have never heard of that since sometimes those charges don't even come through!
Often I have an OD fee charged on one day for a check or charge that isn't on the register till the NEXT day ..how could that be legal? Anyway, my recommendation DO NOT BANK WITH NATIONAL CITY!