National City Bank

This was a terrible experience! I was charged at least a $36 overdraft fee many times throughout the time I was a member, even though I had Overdraft insurance! I was going through major health problems and this stress contributed to my health issues of congestive heart failure, cancer, etc. I received a letter and was told I would be getting a refund, but have heard nothing so far! I was told I would hear something in August or September!

Went to an ATM to use debt card. Entered wrong pin number two times. ATM took my card. I went inside to get card back; they told me I couldn't have it back because I don't have an account. There it was, my unemployment card. Now I have to wait 5 to7 days to get another one. Thanks to them we don't get thanksgiving diner. Now I see why nobody wants to bank with them. The manager was rude and could care less. City Bank sucks. No money, no turkey dinner for my family. Thank you, City Bank.

I opened an account with direct deposit and only used the debit card a couple of times and when I went to the bank to withdrawal my pay check to pay bills my account was -$56.00 and that made me mad cause my weekly check was gone and they said I owe them $56.00 and I finally found out that I over drafted $0.13 cents and they charged me $298.00, so I closed my account and stopped my direct deposit and never been back since.

My law firm currently represents a National City Bank customer who was charged a finance charge even though her payment was timely made on a weekend due date. If you may have suffered a similar fate at the hands of National City Bank, we would like to hear your story. We can be reached at **.

I have had so much money stolen from me from this bank. I will cheer when they go under. First of all, their nifty trick of switching transactions around and holding larger ones is cute so they can charge you maximum amount of overdraft charges. So I got the overdraft protection linked to my savings, problem is over, wrong!

I found they started charging me $15 when my account was "low". So I called and asked what this limit was to prevent it in the future. She told me there is no set limit. So I responded that whenever you want, you can transfer money from my savings to checking and charge me $15? She said no, only if my account was getting "low". I asked what is low and who decides when to do this. She said again that there is no set limit. I laughed and had overdraft removed. Later, I had a pending charge that was a mistake that they charged me an overdraft fee for. Even after the pending charge was removed, they would not remove the charge. So I was charged a fee for a transaction that never happened!

I closed both of my accounts and had some nice words to say before I took my business elsewhere. I will never bank with them again. They are thieves and provide no service for the money they steal. From the tellers to the DM, they are all idiots. They should put a sign on the door that says no education required, just dishonesty. The consequences are to them for losing yet another customer. I hope they pay with their jobs. They are stealing from good people instead of trying to make an honest buck and provide a service.

I was trying to get the payoff information for my credit card through National City. I called and provided all the information they requested to get the amount needed to pay off the credit card. I provided my account number, address, phone number, social security number, and my mother's maiden name. The lady I spoke with said that there were security issues and she could not give me the information. I asked to speak to her supervisor and she transferred me to Jessica ** in security. I asked her what the problem was and once again provided all the information asked of me.

She said that I sounded too old to have been born in 1986! She refused to give me my payoff amount and told me to go into a local bank with an ID. I told her that I had just had a baby and did not want to get her out of the house nor was it easy for me to find a babysitter. She replied again, that I sounded older than my birthdate.

I think this is an outrageous behavior. I asked her to speak with her supervisor or how I could file a formal complaint. She said that I couldn't file a formal complaint and they couldn't send me the paperwork to file one because they were uncertain as to who I was. I am offended that I was treated like a criminal after providing all the information requested. I was told that I sounded old and I was denied my records because someone thought I sounded old on the phone. Isn't there a law against discrimination?

I have the same problem as everyone else. I stumbled on this site by accident and it made me sick to my stomach. Next day I went and closed my checking account and canceled the debit card. And because they had changed over to PNC Bank and I had an NCB account, they couldn't give me my money at their bank.

So here I sit, waiting for my money. I am really not expecting to ever see that again. People need to pull accounts and shut these crooks down. I was brought up that stealing is wrong and illegal, and there are consequences for your action why are they not. I now bank at a smaller bank in town. Fees are lower and you can actually talk to people and they treat you with respect and I breath easier. Good luck to everyone, hopefully someday they'll get theirs.

I had a certificate of deposit that matured Nov. 17, 2009. I elected to have the interest 'reinvested' at maturity as opposed to having it put into my checking or savings at the end of each month. I let the CD roll over into a new CD. It was about this time when National City changed to PNC Bank. In Dec., after it had matured, I called National City to see if I could have my interest transferred to my checking account. I was told they would make the change and in January, it would start.

Well, I had to close the account out Feb. 4, and when I did, the National City representative told me I must have made a withdrawal because my account did not show that I had that interest. I didn't take my monthly statements with me nor my 1099 tax document, but the statements clearly do not reflect any interest certificate deposit nor was there any increase in my monthly balances. However, my 1099 interest states I earned $364.86. Neither bank says they have those records.

I was told by a manager at the main headquarters of PNC that he found a $350 withdrawal in August from my savings which he would send me that record. That $350 is not connected to my certificate of deposit. I've made withdrawals from my savings and deposited into my checking, none which had any effect on my certificate of deposit. I don't understand how neither bank can have my records. Thank you very much for anything you can do to help me with this matter.

It has caused me great stress, as I have been unemployed and desperately needed the interest I earned, and then both gave me the runaround and no one seems to be able to find my records. Well, I have them, and I thought the customer was always right until proven wrong. The National City person who closed my account was not very professional when she told me that just because I said I didn't withdraw any money from the CD doesn't prove I didn't. I have no income so I was relying on that interest.

I opened this joint credit card for my son in college for expenses for school. Apparently, he charged something that took him over his limit by $50 (this happened during the time of the bill being received and paid on my end). I pay this bill off every month on time! When he went over his limit, they charged us a $39 over limit fee! I called to complain seeing that I'm a good-paying on-time customer and asked that it be reversed. I even spoke to the "supervisor" who was nasty as ** and said basically, "Oh well, it's not being reversed!" Do not bank at National City. This is not the first time I've had problems with them and their fees! Their fees are hidden to consumers. Their practices should be unlawful (and maybe are).

Here is the most effective method of cancelling the 24 Hour Fitness membership, whether you used debit or credit cards for the membership fees to be deducted every month. "Cancel" the card! Call your bank or credit card company and report your card "lost!" They will automatically issue you a new card with new debit or credit card numbers. 24 Hour Fitness can't deduct the monthly fees and you will not lose out on the cancellation scams.

When we join, they charge us the first and the last month membership fees. When we try to cancel, they always charge us for another month of service before they stop the service. So where is the initial fee they charged me in the beginning for the last month fee when I joined?

Sometimes after you thought you've cancelled, they still deduct the monthly charges afterwards like my scenario. When you call customer service at 24 Hour, the automated service that deducts the monthly dues is a whole different department, which even the Customer Service department has trouble getting a hold of.

Cutting the long story short, "call-and-cancel" the cards. Tell the bank or credit card company that you lost the card. Don't say it was stolen! They will honor legitimate charges to your account even after they replace your old card with a new one. A little mix-up in our financial laws to benefit the credit card companies and the banks. Remember to say, "lost" not "stolen!"

I have been a costumer at National City Bank since 2007. First of all, they always have a reason why they took a fee out. They don't tell you up front but there is always a reason. They don't listen to your proof. I had a receipt for my transaction and I was in the positive but they still charged me overdraft fees. They get a little crazy with the overdraft fees, which means that I can't pay my bills this month because I just paid enough in overdraft fees to pay someone's salary for the week.

I tried to explain that they were cold-hearted and didn't care. I know that they were bought out by PNC and they are messing up so many accounts--it's not funny. I had a lady who was talking to me in a clothing store who was telling me that for a $0.15 charge, she had to pay $200.00 in fees. That's ridiculous and that's what I'm am dealing with right now. But mine isn't $200.00; it's more like $500.00. How am I supposed to pay my rent, car insurance and cell phone bill? It's impossible.

They charged me overdraft charges on my savings and checking 3x for a $59 debit they put through twice. It was not even a check! I hope they go out of business. Now I'm out $75 for something they didn't even pay with overdraft protection that does not exist. When I noticed the charge, I immediately called them, as most banks will let one slide if you go in and make good. They did not.

I would stay away from these snakes if you can. There are many community banks that won't do this. Wish I would have read the reviews. I have since moved my money to a local bank. I incurred $75 in damages; no bill was paid. The other bill almost had a fee but agreed to waive if I paid out of the working account.

Wow, I read all of these complaints about the way NCB charges fees and have been through pretty much all of this myself. I.E. Largest checks paid then all small transactions assessed fees if OTL.

Here is a new one with NCB Visa account. After interest was assessed, they put me $1.34 over my limit. Of course they assessed a $39.00 fee for that. It gets better though. i found that i waws over and immediately transferred $50.00 from my checking account to cover everything and ensure that I did not go over again. Didn't matter. They assessed the fees at statement close and because the next day i was still over the limit, they charged me another $39.00 for over the limit fees. I was $1.34 over the limit for 3 business days and they charged me $78.00 in over the limit fees.

This bank was not great before but now that PNC has taken over, they have gone down hill really fast. cancelled the Visa and have just opened a new account at another bank. i also have just filed a complaint with the FDIC, we'll see what comes of that if anything at all. NCB, exceeds at ripping off the consumer. Hope they go out of business soon!

I've been getting frequent overdraft fees when I have money to cover ever charge. I complain and I'm told theres no one to figure it out today or no on who can reimburse me today. Last Fiday I deposited $400 after 4p. I knew it would not be credited until Monday midnight. So the money sat there and almost every charge that came in before Monday midnight I got 5 overdraft charges. $194! And my money was there.

I complained Tuesday morning and was told the Marion ,OHIO office would have to decide as that is where I started my account 7 years ago. I received a call that they would recend 2 charges only. But they didn't do that, there were still 5 OD charges . This will be my last experience with them. I once deposited a money order to cover a debit card charge and got an OD charge because they said it took 2-3 days for a money order to clear. That's the first I'd heard that. I'vr been paying someones mortgage too long.

I work 2 jobs as a registered nurse. I can save someones life and never care if its the right time of day or noy. I had to go back on a promise to my daughter to give her money to take a certification course to get her occupational therapist license. I worked overtime before Christmas to help her and the bank took it. I'm 55 years old.

These phone calls have now become a serious form of harrasment and we want it stopped.

I have a business account with this bank.

First For eg: I was told about over draft protection through Visa account by their rep, I thought it was a good idea to not let any checks bounce and have a good reputation. But from last month i.e Oct 09, they have started charging us 4% for every transaction from this account. For eg. I transferred 5000.00 from this account and I was charged $200. I was surprised to see this type of fees 4 times since Oct. I called them and they told they had sent us a letter stating this change, I don't recall this letter. And they have refused to pay me back this money, I told them it would cost me less to have a check bounce than have this overdraft account. Thought you must know.

Second, They have another very creative way to force fees on us. This case is of NSF funds. For eg: If I have $3000.00 left in the bank and I had 4 check to come out in the order of $10, $20, $30 and $3000. what they do is they first apply the 3000.00 check and then charge an NSF of $34.00 for each of the remaining 3 checks, if they followed the order I would only have 1 NSF for the 3000 check. We had to go thru this a number of times in the last 2-3 years. This is not fair. Our business is in a better position now and hence have got the time to write about this, but banks should be fined for this practice. It hurts small business like us and we don't have the time to call customer service to sort these problems out.

I gym membership was charged even after I sent a formal cancellation letter. This pending charge caused me to go negative even though it wasn't cleared to the account. This was Monday 12/07/09. Well all my other bill payments & charges came in so for each one they cleared I was charged an overdraft of $36 for a total of eight times.

After hours of phone calls trying to straighten this out, I was told if the merchant reversed their charge every one of me fees would be removed. On Thursday the 10th once the merchant charge actually cleared & posted I was able to dispute the charge.

I check Saturday morning & the merchant credited me back so I called the bank to see about those fees coming off. This is where I was told by every person that no its not the banks fault so they wont remove the charges. What?! Every person I spoke to prior told me yes. The bank told me to go into my local branch. I did. They didn't even want to listen to what happened, they wrote my name, account # & cell on a post it to give to the branch manager. It was the managers discretion to credit me back.

How are they going to make an informed decision if you don't hear what happened? I was told if it makes me feel better I can write out the situation & she will give that along w/ the post it to the manager. I let the personal banker know that once this was all cleared I would be closing my account. I called the banks customer service line again & was told again to go into the branch. I explained how rude they were & was told as a courtesy they would remove 2 out of 8 fees but to seek reimbursement from the merchant who was at fault.

I fired off an email to the merchant saying if they didn't refund the fees I would take them to small claims court. I received a phone call almost immediately from them saying they'd call me Monday the 14th to straighten this out & they would credit me if they did see they were at fault.

So here we are Monday the 14th & I just called my dispute followup line. Where oddly enough I was told they would refund all the overdraft fees. Shes told me she did it just then w/ me on the line. She checked to make sure it worked & said opps she refunded them all twice so she fixed it.

Well all the fees are still showing on my online banking so I don't know when they will go away exactly. I will check once an hour all day & probably call at lunch asking exactly when they will be taken off my online banking. Ive already submitted for my direct deposit to be changed so when this is cleared I will be going back to my old bank. I'm nervous that even though I was told they would remove the fees that it will be a run around again.

As a result of all these fees I am late in paying my rent, a scheduled online bill was declined & fee from that bill has to be paid, I may not be able to pay for my dentist trip this week unless those fees are credited back, the one Christmas gift I had to get may not be purchased. Thanks so much National City for screwing over the little guy who lives paycheck to paycheck at the holiday.

On 11-16-09 I received a letter in the mail and an email offering me a credit card. The offer said I was pre-approved and included an authorization no. I filled out the pre-approved certificate and returned it. On 11-23-09 I received a letter telling me that my request was not approved. Three reasons were given for the denial none of which occurred after the pre-approved offer. If I was not eligible for the card I should not have been pre-approved. There were no conditions stated in the letter or email, it only said I was approved.

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.

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....

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.

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.

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.

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?

The bank automatically just takes the money out.

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.

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,

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.

I was having some theft from my checking account, close to 3000.00. National City closed that account and opened up a new one. I asked if my account would have the same 2500.00 overdraft protection and was told yes. If would I would go into the overdraft, when my husband's automatic deposit went in, it would take care of the amount that went into the overdraft. The new account did not do that, I was supposed to make a separate payment of the amount that went into the overdraft. This got my account so off balanced, that every transaction we made for 3 days, we were charged 34.00 for each transaction. They charged us 34.00 20 times. I received notice in the mail 2 days after this happened. We told the bank we had no idea it had changed, our account was supposed to be like the old one. They said there was nothing they could do. We are also being charged 8.00 a day until we got our balance back up to 0. We have been a customer for about 15 years and treated horribly.

I am a nursing student at Edinboro univerisy in Erie, Pa and I received a financial aid refund check from Edinboro. I usually cash these types of checks at my bank, national city. This check was for the amount of $3114.94. Before I cashed the check I had an available balance of $232.00. I went into the National City branch located at State Street in Erie, Pa to cash the check.

What I did was deposit $2000.94 of the funds and got back $1114.00 in cash. The teller never entered into the computer the full amount of the check instead just entered the deposit amount of $2000.94. He told me that the $2000.94 would not be available until Septemebr 22, 2009. But he told me my available was $232.00 and current balance was $2232.94. Well, when I checked my account there was a negative -937 balance by Saturday, as I heard this I went into the bank branch on 12th and Pittsburgh to verify my funds, the bank advsior there told me that the money should be taken off my account by 9/22/09.

When Tuesday September 22nd came around, I had been charged a 34 overdraft fee, and my cash reserve of $250.00 was advanced to me to make my account $2317.00 which made no sense. The teller causes my account to be overdrawn when he didn't enter the full amount of the check, in which the bank held the funds of $3114.94 and used the $2000.94 as my check amount.

The way the bank did it was so deceiving because the transactions are so screwed up that you cannot even trace how they stole the money. I also had a pending credit of $82.95 in which western union credited back to my account but national city took that too and did not document that on my account. I have been hung up on and disrespected by staff and the dispute agents when I ask to dispute the charges, they state there is nothing they can do. With all the charges, and false overdraft fees I suspect that national city stole at least $400.00 from me total. I have my receipts to further prove my case because when you just read it, it sounds confusing but that is there technique to steal money.

I recorded a chat betweeen myself, national city and western union to give you an example of how bad national city lies. The national city rep is Justin and the western union rep is Nelly G just so you can understand the way National City is so careless and cruel about stealing your money. There is some overlapping when I recorded them but you will get the point. I cant explain all the details to you like I want to because I am so angry but I have evidence and I will put it together to pinpoint exactly how they stole this money. They are very evil and part of the beast, the government wants a one world economy so that they control our every move through money and they will be successful if we don't fight back.

National City charged 35.00 for a 7.00 over account fee. No wonder the banks are making a profit,off the fee's and they know it! WE NEED a consumer protection law tto protect us from these practice's . The banks are now back pedding to calm the customers. Not good enough, PASS the LAWS NOW!

I don't mind paying my overdraft fees but I think this case was extreme. Since I have no way to get money put into this account at National City Bank with out another fee occuring I closed my accounts with this bank. I had to pay overdraft charges that I felt could have been forgiven. I had banked with this company for a long time.

I bank with National City, which was acquired by PNC after they received a bailout. There were two overdraft fees of $36 and it was not to my calculations although my balance was low. The activity reported to me and any statement data simply did not show any cause for fees whatsoever. Yet I simply took their word for it online and deposited $160, that is what would cover it and then some. The balance was covered the next day...no further pending transactions showing and none made by me. It was $19.** available, the next day $45.**.

The next day some dates and postings seemed to be jumbled in my activity page online and I got two more $36 charges. This time I would have to deposit another $100. The account activity page somehow jumps from a positive balance to an overdraft fee. It leaves out any details. A reply letter to you only gives their fortunate ill-logical outcome. This bank apparently takes money when it needs it.

The computers can easily be programmed to target lower balances and those more probable accounts that could be charged fees. There is no oversight from the government for computer systems that can automatically benefit the bank, not to mention any regulations of this "info tech" kind. If you know anything about very basic computer programming you know it can easily be manipulated to automatically charge fees; without you getting any details.

All of this leaves you only the option of changing banks. they are counting on folks trusting in them again as to not bother...hoping it won't happen again. then it usually happens twice in a week as did me.

I made a deposit Monday morning before the bank opened. I put 360 cash and 135 in checks thru thr ATM. They did not honor my cash deposit. They said it would not be good until the following day. I was told cash is cash and available immediatly. They charged me 34.00 x five on overdrafts. Less than 100.00 in charges. My cash deposit should have covered it. They told me there is nothing they can do. I have to deposit cash with a teller or in the night deposit. This is not the first time I have had problems with this bank, but it will be the last. If I waited 30 more minutes when thr bank actually opened this would have never happened. This was some bill money I am so ****** *** I cant see straight if there is a lawyer out there that can do something please let me know.

I understand they are in trouble in Missouri for doing this. Evidently, the state cannot find the individual, and the money goes to the bank...even though the party may be in the military, or in my case - live very close to the bank. How can they have it both ways? The CD hadn't even matured, yet they were going to declare it domant and take my CD.

I talked to the manager about 10 days ago. Bessie said she didn't know what was going on, and would get back to me about paying me back to me the penalty for early withdrawal.

After arriving in the US I had to notice the opposite. My card was rejected, I could neither get money out of ATMs nor use it to pay in the supermarket. So I called customer service. They told me that my card was not activated (for no reason). Apparently, they activated it and said now I could use it.

Next day, same result, the card did not work. So I called customer service again. Now they told me that the card was activated, but the account was on dormant status since I hadn't used it for some time. In order to lift this dormant status, I should write a check. Only that I didn't bring any checks with me. The guy from the customer service told me that he was not authorized to lift this dormant status. This could only be done by people of the branch. And it was Friday afternoon (Pacific time), so I was not able to reach anybody from the branch where I opened my account. Customer service admitted (!) that he could not help me.

So as a result, although I have money on my account I was unable to access it - despite the fact that supposedly everything was OK with my account and checking card. I had to use my German credit card, thereby triggering additional fees. This is so unprofessional for a bank. And frustrating as a customer. Out of 3 people of the customer service 2 are either completely incompetent or the just lied to me. This behavior is inacceptable. And let to quite some emotional distress.

deposited by atm. took them 3 days to post. overdrafted me at the bottom, which meant 3 overdrafts instead of one which might be legitimate if it took 3 days to post at atm deposit. also charged overdraft because retailer made a mistake in entering information and immediately corrected it but this joe moore says there is nothing he can do.

i receive a $530 pension. they have taken $269 in overdrafts. i can hardly pay my bills as is. i have watched every day to make sure they haven't tried something new and still---- this is the third outrageous incident.

I had a National City bank account since 1992. This occurrence took place in 2008. A business was illegally taking money out of my account on a monthly basis for two months. As a result of me not being aware of this because I did not authorize ANY business to withdraw from my account, the account was overdrawn. When I called the bank to attempt to find out how this business was able to have access to my account and debit it, the manager insisted I gave this company permission to debit my account.

I kept pressing her on information when this authorization took place and who was debiting it and she was uncooperative in helping me get to the root of the problem. I was checking my online balance every couple of weeks and did not see the unauthorized debit or else I would have jumped on it right away. I had not been using my debit card and was just taking out cash as I needed it and was making only cash transactions but somehow this company got into my information.

I told the bank to close my account to put a stop to the incurring fees and put a stop to whomever was withdrawing on my account but the manager refused and I and stuck bearing the financial burden for their lax privacy and confidentiality policies. Only after I discussed the matter with the National City representative did the unauthorized transactions show up on my online banking.

The bank now says I owe over $500 to them. Plus, I am out the money that whomever it was having unauthorized access to my account and as a result withdrawing from my account. They expect me to pay for their lack of security that was supposed to be in place taking care of my account and my security as a long time customer.

The bank calims I owe a total of $1,680 in overdrafts and bank fees. The account has been currently handed over to a collection agency. I contacted the bank about these fees and asked for verification of three particular decutions totaling $906. The bank even sent me a letter stating that one of these deductions was returned to the bank due to lack of funds and charged me a returned check fee.

I asked the bank for an investigation prior to them truning this over to a collection agency, but they are unwilling to contact or work with me. If this truns up as a negitive on my credit report this is clearly a deformation of character and I could stand to lose thousands. The bank charged over $1,200 in overdraft fees with no explanation.

Lower unecessary low credit score. Undisclosed or illegal fees.

I have been banking with National City since 1991. Unfortunately in the past three years...I have been astonished at how the online banking works to their advantage and equally floored at how little they are willing to work with you in order to keep your business. Today I will be switching both my savings and checking over to a credit union in order to ensure that no more of my hard earned dollars goes to feed this machine.

I had a bank attachment and with that it was all of my unemployment checks, National City didnt review any of those checks that were deposited and therefore gave them a check for over 2,447.37 which took out the reserve and bounced a check.

I had no money to pay for my bills, had to go to court to get my money back and had no money to pay my bills or to live on. Now National City wants me to pay them 517.99 for the overdraft plus to repay the 300.00 reserve money.

I will relate two stories of abuse by a lender and a credit card company: 1. National City Bank In 2002 I took out a Home Equity Line of Credit for $15,000 (with my ORIGINAL mortgage holder) which I used on occasion and ALWAYS paid earlier than due and more than was expected. National City took over my bank 2 years ago. Last month they notified me that my equity line has been suspended due to the market value of my home being lowered to $96K (that is rubbish!) and if I objected I had 3 days from date of letter.

However the date they sent it out was 5 days after it was dated and rec'd 7 days later! This is so wrong on so many levels. My house value did not drop from $175K to $96K in 2 years; the date of their letter was a sham; and, most importantly, how do they have a legal right to negate my contract?? I did not sign a new contract with them and I did not negate the terms of my contract, therefore they should not have the right to arbitrarily suspend my equity line of credit! I am 65 years old and this is the only resource I have in the event of a home or personal emergency.

Should any emergency arise, I have no way to pay for anything and subsequently could end up losing my house as well. This is a predatory practice when they get into financial trouble and make me pay the consequences. I have never done anything to warrant this action and they are trying to justify their misdeed by lying about my property and their pre-dated notifying letter.

On 11/18/08 National City Bank allowed someone woman, who I do not know, withdraw $800 out of my checking account. She simply walked into a branch in Carol Stream, IL(I live in IN and my account was opened here almost 9 years ago), filled out a withdrawal slip and was able to walk out with my money. From what I am told she has an IL ID with her picture on it but with my name on it. The bank did not hesitate to question this transaction, even though this has never been something that I have ever done. This is an unusually large counter withdrawal for me and if they had checked any of my history they would have seen that. It should have also raised red flags because she showed an IL ID and the bank account is in IN.

It was also Black Friday(the day after Thanksgiving), so the bank should have been particularly on alert anyway. I contacted customer service and was given the phone number to that branch(to note, the customer service person said that I would have to make the phone call first, which made no sense to me. So they were unhelpful in that aspect.) I spoke to the Office Manager Sam, who did absolutely nothing to help me, except to tell me about the fact that this woman had an IL ID and that it could take about 2-3 weeks for this to resolve. I was not satisfied with the answer so I called back, asking for the District Managers number so that I could file a complaint. Instead I was put in touch with the Branch Manager(Dave S.) who was wonderful.

That day he contacted Loss Prevention, who told him what information to gather and to overnight the information to them, which he did. Within that week I was reimbursed the $800, plus $136 in overdraft fees. However I was owed $210 in overdraft fees, so I called Loss Prevention and they did credit the other $68. To note, the bank was not overly helpful in identifying this woman because according to Mr. S., that branch does not have sufficient cameras to capture perpetrators on film. I then went to my local branch(#108 ) and opened a brand new account on 12/4/08. On 12/18/08 I got paid and on that very day the same woman walked into 2 different banks in Bardstown, KY(Branches #42 and #52) and withdrew $500 from one bank and $800 at the other bank. She did it the same way, by simply walking into the branches, filling out withdrawal slips and showing a false ID.

However this time there was a signature card on file, which I had filled out on 12/4/08 when I opened the new account. I called both banks, spoke with both managers and was told that they are not obligated to check signatures. If either branch had bothered to do so then I would not have been out $1300. The branch manager at one of the banks(Danielle) was snotty in defending their non-policy of checking signatures, the other branch manager(Shannon G.) was equally if not more unapologetic. He basically stated that if they checked the signatures of all the customers the lines would get too long. He asked me, Do you know how long our lines would be if we checked everyones signature??. He also blamed my bank of origin for not putting alerts on the new account, which I had assumed had occurred. There were numerous alerts on the old account, so I just assumed that that the alerts would follow the new account. They did not.

I called my branch of origin on 12/24/08 to ask for authorization of provisional funds and the bank manager(Julie W.) refused. She asked me if I wanted to escalate the issue with the District Manager, which I agreed to do. I spoke to him( Rick C.), who told me that there was no mechanism? to authorize such funds and that I would have to wait until Loss Prevention completed their investigation and they would have to reimburse me. Mr. C. was insensitive and his statements were also questionable. He also basically eluded that this was possibly my fault, as he told that I needed to examine my life?. No one in National City(except for Mr. S.) has admitted responsibility for the theft of my account, which occurred three times in 3 weeks. I now have a deficit of $240.39 (including $68 in overdraft fees) in my checking account and no way to pay my bills, including my mortgage that National City holds.

At this time I am dealing with the Loss Prevention Department and I was told that this time the process will not go as fast because there are other people ahead of you who have been ripped off too?. I was also told that it could take up to 60 days. The department already has all of the information from the first time that this woman stole from me, so it is baffling as to why it would take longer. I called the department on 12/26/08 and I was advised to escalate the issue to the IWE Department, which I will do on Monday 12/29/08.

National City has demonstrated much negligence in handling my account, including not putting alerts on the new account, not checking signatures, and not notifying me of unusual activity, even though I specifically told them after the first time that I wanted to be alerted each time someone tried to withdraw money at the teller window. I asked this of the Carol Stream branch office manager Sam and I was on the phone with him when he allegedly put this alert on my account. However I later found out that there was no such alert that all of National City could see, just his branch. I am extremely angry with National City and I am currently in limbo with no money in my account. I have filed fraud reports in IN and also KY, I am waiting for the officer in the investigations department in IL to return my call to file a report there. ?

I have notified the 3 credit bureaus and I have also put an alert on my credit report. To note, National City never offered assistance with until I spoke with a Loss Prevention Specialist while I was at the branch on 12/24/08. She asked me if had been in touch with their Identity Theft Department yet, which I had not been. That is something that should have been done the first time this woman stole from me. She assured me that someone from that department would be contacting me about the matter, however they never did. I ended up calling them on 12/24/08 and spoke with a woman who was terse and rude, and was of no help whatsoever. The things that she had told me were things that I had already done, on the advise of friends, law enforcement and a lawyer. I have sent a letter of complaint to the corporate office today(12/27/08) and I also emailed the same complaint last night(12/26/08).

My husband and I have had an account since 2006 with National City. We have had nothing but problems with them from the begining. We open the account with a very large amount of money and they wanted to place a hold on the account for 10 days. In not dealing with a bank, the fact they will run your debit card through if you are in negative standing is wrong.

At this time our account is overdrawn we have tried to make arrangements to close the account. The manager at stated that we can not close the account until the balance is paid in full, as the account is receiving a $8.00 charge daily. My husband stated that we would have not had this issue if we were able to bring in the money before the items were to post. Per prior experinces with National City when a transaction is pending, it does not matter if you bring in the money or not you have the overdraft fee. The manager said well if we had brought in the money we would have not had the overdraft fees. The double sided stories with this company. I cannot in my right mind pay money to an account for them to constantly charge me.

In the past year, the money has been very tight causing banking issues. With the inability to get the money in to pay the pending items prior to the overdraft charges has caused a large debt. And now the consiquence is an account that the bank will not close, take payments, and is charging money every day.

Just noticed after I ordered parts for my refigrator that this bank charge 2% on the dollar amount because it was shipped from out side the USA. They have done this twice this month. I thought we had free trade, not including the dollar devaluation, we get charge from a bank for our own money we spent for imports. Just like Ceo's getting extra greedy even tho they got billions from tax payers threw the goverment! How am I going to know if being shipped from here (USA) or off shore,no company tells you that info. Granted I always try to buy USA products, BUT the company's don't tell you if its instock or their shipping it in over sea's!

On 12/01/2008, I sent out several payments but I accidentally sent out one extra payment worth $300. After I noticed the extra payment, I went to the bank and I deposited $1300 check in order to avoid overdraft fees. The next day, I noticed that the bank actually charged me 10 x $34 in overdraft fees. Instead of charging me for one extra payment, they actually charged me $34 for every small purchases that I did during the weekend. ($1.80, $3.17, $3.07, 4.65, and so on).

I called the bank and I spoke with the bank manager. I explained to her the situation. She was so mean and she wouldn't waive any of the overdrafts. My husband went to another bank and he explained the situation. The bank manager was nice and he was about to waive the fees; however, when he read that the bank manager in Dearborn wrote a comment denying the waiver, he said that he can't do anything about it unless the lady approves it. So, he called her, and she refused. Afterward, I called back. She told me I see you went to a different bank. You didn't believe me when I told you that I won't allow you to have a waiver??? It seems that she took it so personal and she acted so unprofessionally.

$340 in overdraft fees for one extra payment is ridiculous. I make $616 every 2 weeks. So, by taking $340, it feels like she stole from me more than 1 weeks worth of work. It is not fair especially now, so close to the holiday. I am very upset. I had to borrow some money in order to cover the remaining bills for the month.

I have had an account with National City Bank since 2001, although twice the account went dormant from inactivity while I was away at college and opened an account at a closer institution. About eight months ago, I reopened my old National City account since I was living in my old hometown again, and my experience with the bank has not been particularly positive. Transactions appear and clear in an order that makes absolutely no sense, and apparently OVERNIGHT I was hit with not one but TWO overdraft charges that I simply cannot rationalize.

There was approximately $405.37 in my account. My rent, which I paid last week, finally posted yesterday ($397), along with a $4.09 charge my finance made at a gas station and $4.00 I charged debit at a grocery store (I intentionally charged that amount because I knew it would leave something in the account, albeit $.28-- National City claims no minimum balance)...twenty-eight cents is sad, but the account wasn't empty. However, last night suddenly a transaction from I DON'T KNOW WHEN appeared on the account with a date for the next day. The account showed a negative balance, and I was bewildered.

Worse, when I woke up this morning, everything but that random $7.44 transaction had cleared, and we were hit with TWO overdraft fees. Worse still, that transaction was showing again TOMORROW's date. I am not blind, nor am I stupid. Last night, after bank hours, my account had a whopping twenty-eight cents, but a positive twenty-eight cents. That included the rent, and the $4.00 and $4.09 charges. How then could I be charged two overdraft fees? I do not understand. I'm keeping my fingers crossed that the computer doesn't decide to consider my check the straw that broke the camel's back, or I'm going to lose my apartment. Outrageous, considering I've always had my rent and bills paid on time.

Now, we're out at least $72, if not an apartment, which might not seem like much for many people-- but we budget very carefully, and $72 is going to kill our grocery bill this week. I wish I could make sense of how this bank functions, but thus far I'm at a loss. My fiance's company, as a result of the current economic strain, has cut its employees' hours back to a four-day work week, so we're already working with less money. I am seven months pregnant, thus no longer working, and we have an 18 month-old daughter. We can't afford this!

Back in summer of 2008, I received a notice from National City that they did a computerized assessment of the value of my home, and said it has depreciated by 57K dollars and they were pulling my home equity loan. Frankly I didn't care, I have paid my bills always on time and at the branch offices. Today 10/30/08 I got a letter in the mail that they were terminating my account privileges because I was late 10 days on the payment because I didn't receive the bill. Out of sight out of mind. This was my first incident of being late on my payment, and they automatically revoke privileges.

I told them that I didn't care for the tone of the letter, and that I would never do business again with their banking institution. I have excellent credit, have always paid my bills on time, and managed to make all my bills during this 2008 economic disaster. I asked for the address to their corporate office so I could lodge a complaint and the girl on the other end said she didn't know it (yea right). I googled it and found it and this sight as well. Also after reading all complaints, and living in Michigan, anyone who has issues with big banks, big companies, can lodge a complaint with the attorney general's office in lansing. They work wonders and I have used them several times.

My husband is working in texas for the utility company after the hurricane. his checks get mailed home, then i put them into our checking right away. on saturday 10/18 i put his money in, which brought our balance up from $130. i know their policy is that it won't post until monday, and on 10/20 it said we had current balance $1602 with available $-787. his debit card was working for him part of the day, but when he went for dinner, it didn't. i checked online today 10/21 and we got hit with 9 $36 overdraft fees totaling $324!! but our balance is $1100!! i called them, and tracy otto wouldn't let me speak to a manager and said the check didn't clear until monday night, but yet said saturday doesn't count since it's not a business day. won't do ANYTHING about it. seems like this bank is ripping off the hard working people to pad their pockets! i wish some type of class action could be taken, since their taking OUR money from US!

For the third time, this bank, which is in the middle of this mortgage mess, has taken fees off my account, claiming that my account was negative. Their own computer system, which I use almost daily to track my balances, shows that I never went negative. But that did not stop National City from taking 9 $34.00 fees off of my balance. This is money I use to pay my bills and feed my family. This practice needs to be stopped. On three occasions, Nationla City has charged me several $34.00 fees. They have refunded some, but at this time are not willing to do so any longer, costing me $306.00.

I get paid on Wednesdays and my check is direct deposited after midnight on Tuesdays. National City charged me for 9 overdraft fees, my check was there, they could see the deposit, my account never showed a negative balance and I even had money in there the next day although I supposedly was overdrawn. I called the branch to enquire about my acccount and was treated terrible and I was even told that my husband and I were not good customers. We opened our accoutn in 1996. I had not contacted that branch for anything in well over 2 years possibly 3 but we were bad customers.

Finally after being lectured and treated like scum they agreed to give back $153.00 of the $306.00 they had taken and then I was asked to close my account. The first person that I spoke with did not want to give me any numbers for upper level management, but I found the phone number for the Office of the President of the Michigan division of National City and spoke to his secretary. She stated that my complaint would be forwarded to a dispute resolution committee, it was forwarded to a women that works in the same branch, one person, not a committee. They simply do not care if they lose customers, they asked us to leave, unbelievable. This was a horrible experience.

$153.00 they took for supposed overdraft fees. Stress and humiliation

On 8-29-08, I deposited $900 of my work check and kept out $200. On 8-30-08, when I logged onto my account, I had 5 overdrafts. Yet the balance never went under $600. When I called, they stated that checks are held 1 business day. Their literature states that checks made before 2:00 will account for that day. And my account clearly posts the deposit for 8-29-08.

I have spoken to 2 managers, and they are dumb founded. They don't understand why, but the computer is accurate, National City swears they DON'T make mistakes. Come On, they accuse my of not being able to balance a check book...but as I stated earlier my balance never went below $600. It's in black and white. I have no voice against a big bank like National City. They not only charged me 170 in overdraft fees, but they also charged me 15 dollars for overdraft protection transfer.

Problem is...No funds were in my savings to transfer. They won't even remove the $15 fee. $170 in overdraft fees and $15 for useless overdraft protection transfer. Emotional stress! Unable to buy groceries this week.

Continuous penalties being taken for overdrawn account. If a payroll check is deposited on a Friday afternoon or early Saturday morning, that check can be pending for as long as 3-5 days. Not a personal check, but a payroll check which my bank has cashed every week since I opened my account with National City. Check being deposited by me on a Friday, not posting until possibly Tuesday....When it does finally post, any and ALL transactions made after the check is deposited acquire a penalty fee of $36.00. Now, my account is overdrawn by the 5 purchases made Sunday and Monday. I am being constantly robbed. Even after my check clears, my account is still showing a negative balance.

I have been reading over many other complaints about the very same financial institution that has been causing my family much grief.

It seems that there is a repeating pattern with client deposits and withdrawls not being recorded in the order they were placed and/or recieved. If my paycheck is deposited via teller (inside) on Thursday afternoon, I stand there and watch as she taps away on her keyboard the check number and balance and cash back ammount. Why then is my account charged $36.00 each time i make a purchase on the following sunday and monday? This week in the ammount $180.00 in penalties. The women at the bank had me convinced that it was my record keeping that was causing such actions against my account. This is the rape of the working man by a seemingly invincible financial institution. What can we do about stopping such practices if not recovering our stolen monies? Thank you to all who read this.

i made a CASH deposit to my account on 7/1. i had several withdrawals post on 7/3 which caused my account to be overdrawn-even though the money was in my account, and the bank has admitted that the money was in my account. The bank has taken $171 out of my account to cover the over charges. i have tried calling several people, including the corporate office of national city, and no one will help me get my money back. this was no fault of mine- the money was in my account. i went to national city's website and sent an email to customer service and asked if cash deposits are made how long til they post and the reply was immediately!

i am a single mother working to support my 3 children. taking any money away from my check hurts-this was no fault of mine. and this is the 3rd time that national city has taken money out of my account for events that occured that were not my fault. i need this money back to make ends meet.

I had a bank bill due on May 24th, per the statement. I went to the bank and paid the bill along w/ 2 other bills on May 24th. The bank did not post until Tuesday, May 29th. I was charged $40 for a late charge. However, I paid the bill on the due date per the statement. Shannon said I could have paid it on May 23rd. Per Shannon, Saturday's are not banking days so nothing gets posted to an account on Saturdays. The due date on invoices/statements are there for the consumer to pay the bill on or before that due date.

I am formally filing this complaint with you about my bank, National City located at 1385 North Green Mount Road, OFallon, IL. 62269. I made a deposit on the 9th of this month of 200$, I personally went to the bank and stood in line at 1:45p.m., I wasnt serviced until slightly after 2:00p.m. They did not have enough people to handle the incoming traffic.

My deposit should have been placed on that days business but the bank delayed it till the following Monday the 12th due to their lack of being able to get to me in time. Over the weekend I made purchases on my account that was in the positive to begin with, that I assumed my money was available for.

Monday morning I updated my Quicken account to find that my deposit was still pending, even though it should have been placed on the 9ths business!! I wasnt worried due to the fact that the pending items listed my deposit as being processed first. Tuesday morning I found that my account was placed into the negative. Additional deposits had been made to cover any upcoming expenditure I might have had. The bank said to me that there is nothing they were willing to do for me and that I should practice better accounting methods, which is ironic due to the fact that my accounting is done through Quicken which downloads from their web service.

The Branch Manager says to me that he would refund 2 of the 9 overdraft fees. I told him that I wasnt satisfied with that and would be closing my account and he said ok. I work in the customer service industry and it seems to me that if I had a customer that I had wronged I would do anything in my power to rectify the situation. This is not the practice that the bank philosophies state. I feel as if they stole money from me and my family and will do anything possible to get it back.

I am not able to buy food or clothing for my family due to not having the funds available to me.

I was contacted by SRA Associates, Inc. and told I took out a loan in December/2006 for $500.47. I informed her I did not know what she was talking about. I have never taken out a loan at all with National City Bank. I requested her to fax me as much information regarding this as possible. Then Katie Layman of SRA Associates, Inc. faxed me her information showing I owed National City Bank. However, the address is in Traverse City, MI 49684-8982. I have never in my life lived in Traverse City. The information is showing an account number 01170462 for $500.47, she indicated she would settle for $255.00. This is a Identity Theft issue if this is truly an account open in my name.

Katie Layman could not give any information, and she was very demanding of me to send the settlement amount of $255.00. I asked her how did she get my name and number? The address is totally not mine. She told me she had mailed several notices. I informed her I never have lived at this address. She could not give me any information. I do not want my credit damaged due to this loan I clearly did not make. I will upload the information she faxed me. I have lived at my address for 8+ years, never have moved or changed my phone number since I have been here. Never have lived or visited Traverse City, Michigan, nor have I banked at National City Bank.

This information is with this collection agency SRA Associates, Inc. I want this matter settled prior to damaging credit. As I said they refuse to give any Social Security Number and License Number for me to verify and clear my name as the one who owes this debt.

On 11/22 I tried to make a payment on line on my credit card, the payment was due on 11/23 it would not let me make the payment the next day I contacted the company and they said I was receiving a late fee and a over limit fee even though I tried to make the payment the day before and couldn't and it was due that day, they wouldn't work with me at all and the next bill I got the minimum due was $420.36 which I couldn't possibly pay my regular payment was $122.00.

At this point I didn't know what to do so contacted a credit negotiating company to help me, National City told me they would not work with them. I tried several times to get on a National City Bank program. I finally was able to get on the program with National City, I thought everything was taken care off. The next week I received a notice in the mail that I was being sued by National City Bank, I contacted them and they said I was on the program and not to worry.

The following Monday I received a call saying I was being taken off the program

as I spoke with the woman trying to find out why A third party who was listening to our conversation got on the phone and was really rude, verbally abusive and told me I deserved to be sued. All I have ever done is try to make payment arrangements with this company and they have never allowed it.

I am now in litigation and have talked with their attorney several times. I call him every time I get papers from him. He has told me not to worry about it right now because I not working consistantly and I don't own anything, he can't get anything from me. But, the amount I owed in the beginning was $4,885.46 when I wasn't able to make my payment online and I am now owing $6425.94 to the attorney. Most of the time he does not return my phone calls. I even left a message asking him if I could borrow the money what type of arrangement could I make for a pay off and I never heard from him. Today I received notice that a lien on any property had been filed. The attorney acts like its no big deal and just forget about it right now.

The emotional stress this has put on me is horrible. They are ruining my credit which I worked terribly hard to get good again last year. Because I went to the debt negotiating company and then they wouldn't work with them, I canceled with them I got three months behind in all my credit. I tried to get them to work with a credit counselor and they said they didn't work with them either. Most of the creditors were willing to work with me so I could get back on track but not all of them. Basically this is ruining my life. I don't make alot of money and I always made my payments to them. They have said terrible things to me and demeaned my character and ruined me financially. I recently received another letter from them asking if I wanted to go on a program to pay off the debt. It seems they don't know what they are doing at the company but they treat people awful and ruin their lives. This is not fair to do to people. The single woman who is trying to just keep her head above water does not have a chance with companies like this who seem to enjoy destroying you. I have made every effort to correct this, I need help from someone.

National City charged me two bounced check fees, when they transfered money from my checking to my savings..this fee was charged on my own money, but when I called to complain, the woman I talked to wouldn't let me talk to a manager. I argued with this Ms Horton in regards to talking to a Manager, not really the actual account, but when I went to use my atm card, it had been deactivate...for no reason, come to find out this Ms Horton put this on my account...

Had no money until it was activated again. Think its unfair for an employee to bother account unjustifiable. She also has access to my address and social security..Fearful she may retaliate, and use my social security #. I will be notifying the credit bureaus.

My wife was told by the Haslett Branch teller (Megan)that upon deposit of my payroll check that the funds would be made available immediately. My wife wrote 4 checks the following day, all of which bounced. I contacted the bank via internet about the overdraft charges and was told that the Bank had changed it's policy and that Checks deposited on Saturdays would clear on Wednesday at 12:00am. I bank online as much as possible and never received notice of this change in policy. I went to the bank for some written notice of the change and was handed a small piece of paper with about 10 policy changes and 5 different dates in which the policies would take effect.

I was told by the bank online that they would refund half of my overdraft charges. I wrote back and explained that their teller had given us false information and that they had not effectively notified us of the change in policy and I would like all of my money back. I was told it was not a bank error and indeed it was a abnk error on multiple levels.

In addition to the first 4 overdraft charges, I have now incurred 3 more overdraft charges ($30 each)as a result of their failure to refund my money. I have now lost a total of $150 from this bank and I want all of my money back!

In June of 2004 I purchased a car from Courtesy Kia in Alliance, Ohio. National City Bank gave me the loan. The agreement was I didn't have to make my first payment until 9-2-04. I was not given an account number nor address to send the monthly payments to. In late August I called the dealership to inquire about the billing invoice. Basically, I was told to sit tight and National City Bank would send me the monthly bill if they wanted their money. Again, in September and October I called the dealership and got the same answer. I did put the monthly payments in the bank while waiting for the first billing statement.

On 11-04-04 Ohio-Penn arrived at my front door late at night showing me an unsigned Repo Order. I called the sheriff's department to verify Penn-Ohio's claim. The sheriff's department confirmed they had a legal right to my car. So I gave the keys up voluntarily. On 11-04-04 was the first time I had a phone number and an account number and that was given to me by the repo guy. I called National City Bank several times on 11-05-04 before I got an answer. Two different ladies from national city repo section admitted that my account was not coded right in their computer and that a monthly bill was never sent to me.

National City Employees state they only called my work place and residence once each in October. When they called my residence they only left a number for me to call and nothing else. When I returned their call I explained I had a car loan and hadn't received my monthly bill. They put me on hold and said they knew nothing about it. Now they want me to pay $600.00 for storage fees and repo fees even though they never sent me a montly bill. I am willing to pay the monthly bill times 3 months 9-2-04 thru 11-02-04 and even a late fee. I don't feel I should pay the $600.00 fee as they are to blame too.

I went to re-order check for my checking account, through the company provided by National City, Hartford, I then found out checks had been ordered and mailed with my account# to a completly different individual name, address, checks starting with 1001, I was on 300.

I have not been able to keep a correct checking account balance for months. I first noticed this in march of 2003. I notified the bank, they said impossible, but they would place a stop payment on the individual who recieved the checks with my account. I notified the local police credit bureaus and FTC. I am a disabled veteran recieving direct deposit, the bank is acting stupid, trying to find out how much I know about this situation. I do not know what the finacial loss is, but the emotional damage to me and the damage to mine and my fienc'es relationship, has been extreme. She would ask me to pay a bill or ask for money, I would say I don't have any she would look at my account and it would say for example $6000.00 dollars the next day it could be a negative balance.

Currently we transfer as much as we can into her account until I can get my direct deposits changed. The thing is the bank had to be directly involved for this to happen. Inclusive how much of my other personal financial implements did they hand out atm cards? I have not been using the account, and will close the account as soon as I can to complete financial obligations. This has reaked havoc on my personal and finacial life. I do not know how far-reaching this incident has gone nor how much damage to my financial reputation, is yet to come.