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National City Bank Complaint - National City Ripoff - Overdraft Fees
Overdraft Fees - Complaint
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!
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!
Comments:
Posted by bearkatkitten on 2010-02-17:
Are there purchases posting that you didn't write down?
Any auto debits coming through that you've forgotten about?
Any checks?
It doesn't take much to overdraft account. All you have to do is go over by just a penny, and you get hit with an overdraft fee.
There's something going wrong if you *are* keeping track of your account and not just relying on what it says online... if you keep getting hit with fees. If you can, stop spending money for a few days... let things catch up... then, when you know (for sure) what your balance is... knowing nothing's posting or anything like that... start off fresh and new that way. If not, you're going to keep trying to fight a losing battle.
Any auto debits coming through that you've forgotten about?
Any checks?
It doesn't take much to overdraft account. All you have to do is go over by just a penny, and you get hit with an overdraft fee.
There's something going wrong if you *are* keeping track of your account and not just relying on what it says online... if you keep getting hit with fees. If you can, stop spending money for a few days... let things catch up... then, when you know (for sure) what your balance is... knowing nothing's posting or anything like that... start off fresh and new that way. If not, you're going to keep trying to fight a losing battle.
Posted by sharpasice on 2010-02-18:
Let me just give you an example..on the 16th the bank took an OD fee and left me with a balance of POSTITIVE $22 HUH??? Positive??? Well then why the OD fee? On the 17th I was overdrawn BECAUSE they took the OD fee the day before...(for NO apparent reason) so in addition to the fraudulant OD fee on the 16th there is ANOTHER OD fee on the 17th! For a balance that the bank made OD ...not me! Today is payday so...viola! we now have $68 less than what we should have..Account will be closed today..even if I have to do money orders from now on!
Posted by goduke on 2010-02-18:
Your ledger balance may have been $22 in the positive, but your available balance was undoubtedly below zero, due to an authorization.
You may find that, if your bank balance is going to get close to zero, you might want to switch to cash and stay away from the debit card, as the authorizations are clearly causing problems for you.
You may find that, if your bank balance is going to get close to zero, you might want to switch to cash and stay away from the debit card, as the authorizations are clearly causing problems for you.
Posted by sharpasice on 2010-02-18:
maybe you should google class actions suits agains banks..you will see that this is a frequent happening and banks are being sued for this..If my "available balance" shows positive according to their on line records..AND mine ledger balance then explain to me how/why they are taking OD fees??!?!?! When the were Mid America Bank I NEVER had this problem..
Posted by KenPopcorn on 2010-02-18:
Sharp, If you have a balance of $100 on Monday, and a check for $150 comes in, they will return the check. On Tuesday, the overdraft for that returned check hits the account, so you have a positive balance of $62.50. Your balance is postive because they returned an item unpaid.
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