National City Bank had charged me a NSF fee for a transaction that did not clear yet. I had spoken with four different representatives, and they all had given me different excuses. One of the reps before had told me that as long as I deposited CASH into the account before the transaction cleared (usually the next business day), I would be fine.
One said it was for the check that was written two days prior to the credit transaction, I went on to explain to him that wal-mart automatically deducts funds with their checks, and those funds were available. Two other reps said it was for the check also but they had different reasons why. The one guy even went on to say because when transactions post, they post based on the amount available, although the money for the transaction was already set aside.
No one would even admit that what they were doing were wrong. I would NEVER suggest them to anyone... I didnt realize what they were doing to me until now, I have been letting them get away with it for the past year, and in this time they have gotten maybe eight hundred dollars from me overall from NSF fees.
I asked if they had a customer relations department, because what they did was just morally wrong... Everyone i asked said no, but I could file a complaint but it would have to be written and they only accept them via mail. How great is that?
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