National City Bank is ripping people off even when its not the customers fault. This all started the other day when I called to cancel a subscritption with Best Buy for $42.79. I got the autherzation number from the guy on the phone as well as an email stating they canceled it.
I knew I didn't have the money in my account which is why I canceled the service with Best Buy to begin with and what happens the next day my account is overdrawn. I then sent them an email telling them that the charge should not go through I canceled it with Best Buy.
The response from them... We can't do anything until the charge posts. So how do you charge two overdraft fees at $36 before a charge post yet you can't take care of the charge before it post. This doesn't make sense to me. Second I don't understand how National City would let this go through on my account when I didn't have enough to cover it. If I go use my card somewhere it would have declined me. So why not decline the $42.79 from Best Buy. Problem Solved.
Nope not even close.
The following day I get another overdraft fee. My paycheck gets direct deposited every Friday. This all started on Wednesday. So now I have 3 overdraft fees at $36 on my account... All of which is not my fault.
I emailed National City again about this problem. They said they would look into and get back to me.
Come Friday my check post to my account and I have a positive balance again. And the charge for $42.79 is no longer pending but is not posted either. I thought well they must have solved that problem but what about the overdraft fees.
Wrong again. Come Monday the charge for $42.79 was posted to my account. Again I canceled this service and I notified my bank while it was pending. I emailed them again. The response I get back is to contact Best Buy and they need to give me a letter stating that it was Best Buy's error before they will refund any fees to me.
Keep in mind I have an authorization number that I canceled this service and I told my bank about this. I'm not asking the bank to refund the $42.79 I'm asking them to refund the 3 overdraft fees at $36 each... Totaling almost $100. I understand that Best Buy is responisble for the $42.79 but its not their problem or fault that the bank 1. Let the charge go through to cause the overdraft fees and 2. They can't refund the fees to me. 3. I have an authorization number which I gave to National City as well. They can take the time to call Best Buy and find out if it was canceled or not.
Because of National City doing this I could not buy groceries or put gas in my car this week.
And all the person at National City could tell me is they are sorry but they only refund fees that are in the bank error. I call this a bank error. It wasnt my error.
I did get the address to Coporate Office which I am going to be sending a letter to as well. If there is anyone else I can send a letter to please let me know. This problem needs to be brought to attention to someone. I have no choice but to live pay check to pay check and I count on every dime I make. If this was my fault I would take responsibility for it. But I didn't send the charge through on my account when I didn't have the money. I took all the steps I could take to prevent the overdraft fees.
Yet still nothing from National City. I also don't understand, which I have noticed a few times with my bank, is right before some charges post to my account they dissapear the day before. So if I check my account on the phone it looks like I have more in my account than I actually do. Its like they are doing that on purpose so you will overdraw your accout to get money from you.
Someone needs to stop these Banks from doing this. Please let me know who else I can contact about this problem.
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