• Report: #415877

Complaint Review: National City Bank - PNC

  • Submitted: Sat, January 24, 2009
  • Updated: Tue, April 21, 2009

  • Reported By:Bedford Ohio
National City Bank - PNC
23711 Chagrin Blvd Cleveland, Ohio U.S.A.

National City Bank - PNC, keeps their jobs by ripping off their customers with outrageous fees!! They intentionally overdraft your account to charge more money. Cleveland Ohio

*Consumer Comment: Reply to Abigail

*UPDATE Employee: Hm, that's odd...

*Consumer Comment: Why should it matter?

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Wow! I thought it was just me who was having trouble with National City but after reading some of the other reports, I'm glad that it wasn't my imagination. If I had listened to a co-worker years ago who said that she thought that National City was taking her money, I wouldn't be in the worst shape that I'm in today. She had the sense to close out her account. My account is constantly being over drawn my no fault of mine.

I check my balance constantly and substract my transactions when needed. However, my account magically becomes overdrawn. When I talked to customer service at 1-800-866-6276, they made an attempt to explain what went wrong. Indicating that I didn't substract my transaction. When I tell them I do, and that there was money left over in my account. They give me another explanation that I shouldn't use my account over the weekend because the transactions don't appear until Monday which is the business day. (I used my ATM card to buy gas twice and not on a weekend). And that I should use debit instead of credit, because whomever the company is who submits the credit transactions do so at their discretion. That they could even hold a credit transaction for 2 weeks then submit it for clearance.

This doesn't seem legal if at all its true. I have various check deposits made to my account and National City has eaten up every one of them. This time they charged me 9 times in the amount of $36 and $8.00 running fee each day the money isn't paid. I just got paid on friday and when I called the bank for a total I was told that I was $360 overdrawn. So by the time I borrow from a payday loan again to pay them I will owe them double and a fee to payday loan as well. Every time I pay the overdraft fee, they tell me they paid something else and OD my account over and over even if there is no money in my account and nothing is pending to my account.

So therefore, they are holding back debits/bills until my account is low and submitting them to od my account in order to charge me outrageous fees. If anyone has an idea about a class action suit, count me in. I am going to stop all direct deposits from going to National City, this is the only way out. They aren't leaving me with any money to live on. Any other suggestions???

E. ****
Bedford, Ohio
U.S.A.

This report was posted on Ripoff Report on 01/24/2009 11:23 PM and is a permanent record located here: http://www.ripoffreport.com/r/National-City-Bank-PNC/Cleveland-Ohio/National-City-Bank-PNC-keeps-their-jobs-by-ripping-off-their-customers-with-outrageous-415877. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Comment

Reply to Abigail

AUTHOR: Tony M. - (U.S.A.)

Hey Abigail, stop sticking up for your precious National City sham bank like they do no wrong. I've heard horror stories from former Nat. City bank account holders over this same stuff repeatedly. I've had several problems with them myself which is why I've told people not to do business with them. You are just another payed crooked employee for these scum at Nat. City that will say ANYTHING to make it appears as your bank has and does good business practices! I left your hell hole bank after I got over drafted on a purchase I did not make. I hadn't used the account in 2 months because I had switched banks and had yet to have time to close my account through them and yet they still insist I made a purchase with a bank card I had destroyed 2 months prior to the said purchase! So, tell us another fairy tale about your glorious bank!
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#2 UPDATE Employee

Hm, that's odd...

AUTHOR: Abigail - (U.S.A.)

I talk to thousands of people that have never had an overdraft fee... so that's a little strange... are you saying National City is targeting you and charging you "intentional" overdraft fees?

The only person responsible for overdraft fees is YOU. You clearly don't keep track of your transactions and therefore the fees are valid. If you were a little more responsible with your money you wouldn't have to pay overdraft charges.
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#3 Consumer Comment

Why should it matter?

AUTHOR: Robert - (U.S.A.)

You first stated
"..I check my balance constantly and substract my transactions when needed..."

You later stated
"..They give me another explanation that I shouldn't use my account over the weekend because the transactions don't appear until Monday which is the business day. (I used my ATM card to buy gas twice and not on a weekend). And that I should use debit instead of credit, because whomever the company is who submits the credit transactions do so at their discretion. That they could even hold a credit transaction for 2 weeks then submit it for clearance..."

So here is the question. If you really are writing down all of your transactions then why should it matter when the purchase is submited. After all YOUR register would show what you have actually spent. Well I have a feeling your answer is that you really don't keep an accurate register as you spend it, but rely on on-line banking to give you your balance.

As you have found out on-line banking is not accurate for the exact reason they gave you. A merchant can submit a transaction a day or so after your acutual purchase. Is this inconvienient, Yes. Is it illegal, No. So there is no ripoff here other than the one you are causing yourself by not keeping a register. When you do switch banks, don't expect any other bank to be any different if you refuse to keep your own register.
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