NATIONAL CITY BANK will STEAL money from you!!! Don't bank with ncb!!! I had 8 OD charges post to my account because they held onto a deposit. I made a deposit at 9:06 am 7/7/08 and even, though it posted on 7/7/08 the branch manager told me that I shouldn't have counted on the funds being available until 7/8/08. He told me I was in the error and that the bank was providing me a service for paying the debits. WHAT?
First of all, I was not in error and second how is the bank doing me any favors by charging my account 272 dollars for 70 dollars worth of so called unpaid debits!!! MY money was in the account to cover the debits, my bank just chose to put the debits through before the deposit. (Even though on paper, on my Interim statement, the deposit went through first and then the 8 OD charges appear.)
I had a Interim Statement print out, of my account, before I went to talk with the branch manager. He said ' oh, I can't read that.' Let me take a look at your account from my computer. He sat there and crunched some numbers. Then he told me I was in error. Blah Blah Blah. I don't know where he got his numbers but they didn't match my bank ledger or my statement. I ask him for a copy of my account numbers from his computer screen so that I could compare numbers. He said NO. I ask him why? He said it just wasn't possible. HOW SHADY! How could that not be possible for him to make a printout from his computer?
I asked him if he could please just refund half of the overdrafts charges. I said that the 272 dollars was going to hurt my family pretty badly this month. All this CREEP of a bank manager had to say was that it was my banking error. It was all my fault. There was NOTHING he could do about it.
SO... What can we the people, who have been RAPED and ROBBED by NCB do? I told the branch manager that I would be closing my account next week and filing a complaint with the OCC. (Office of the Controller of the Currency, Administrator of National Banks). This guy was unfazed. He said go right ahead. I was in the wrong and that was that.
I am not the only one, either! I have read MANY similar complaints about NCB holding onto deposits to their advantage. If they aren't predatory, why are so many other consumers closing their National city Bank accounts?
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