• Report: #430456

Complaint Review: National City Bank

  • Submitted: Tue, March 03, 2009
  • Updated: Tue, April 21, 2009

  • Reported By:Bellefontaine Ohio
National City Bank
145 South Main St. Bellefontaine, Ohio U.S.A.
  • Phone: 937-5928035
  • Web:
  • Category: Banks

National City Bank DEPOSIT SCAM OF NATIONAL CITY BANK/PNC BANK Bellefontaine Ohio

*Consumer Comment: I feel you

*Consumer Suggestion: For Ken

*Consumer Comment: For Mr Common Sense

*Consumer Comment: You Caused Your Own Crisis

*Consumer Suggestion: LEARN YOUR FUNDS AVAILABILTY POLICY

*Consumer Comment: Educate yourself

*Consumer Comment: Educate yourself

*Consumer Comment: Educate yourself

*Consumer Comment: Educate yourself

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National City Bank/ PNC Bank after receiving billions of taxpayer dollars just like the rest of the bank industry has -is inventing a new way to screw you. That is when you make a deposit whether by cash or payroll check they hold it forever and ensure they get as much overdraft fees charged to you.

Here is my case- On 13 Feb. 2009 I deposited my entire manual paycheck from the State of Ohio in my Checking account. As any reasonable and prudent person would believe and ascertain the money would cover all funds to be posted over the weekend-and should be effective in my account. When I got up to go to work Sat. 14 Feb,2009 at 0530 the ATM said I was in the negative. I had to scramble to find enough money to pay for gas fill up my tank and get to work at London, Ohio by 0710. Due to the banks being closed when I got off I then called Customer No Service who then promptly told me that it was bank policy to withold deposits until the next business day-although they can debit any day.

I then on Monday 16 Feb., 2009 had to go into the London, Ohio branch and speak to their account managers- The old woman had enough audacity to state that the check that the State of Ohio had put my name on which is my money- earned keeping the citizens of ohio safe from bands of marauding criminals-wasn't my money but theirs and she wouldn't help me-especially if I Have had any overdrafts on my account before. I got asistance after making the statement-Do you know about Clark Howard's Radio show-that exposes rip off companies scams and mega banks just like you- if you don't get someone who will do it I will put this on the airways so that millions of people can hear. The Bank manager came down shortly and took care of the fees.

Fast forward to 27 Feb. 2009, I deposit $1,180 dollars cash into the ATM Deposit-since they don't have a deposit box. It did not post till Tuesday 3 March, 2009- They charged me 8 I say again 8 overdraft fees @ $36.00 each for a total of $288.00. Thats how much they robbed me. I found out last night which was 2 march that all deposits are held till the next day.They had the money for 3 days and did not credit my account with it. I had to speak with one the bellefontaine bank officers-and the gave me back (aren't they kind) 3 of the overdraft fees-but had to refer 5 other fees all related to their failure to credit my account.

AND WE WONDER WHY WE HAVE A BANKING CRISIS- THE CONSTANT UNETHICAL,DISHONEST AND FRAUDULENT PRACTICES OF THE CORPORATIONS,SMALL BUSINESSES AND PRIVATE PERSONS- WHO THEN STICK A HAND OUT AND EXPECT THE TAXPAYER REGARDLESS OF AMOUNT PAID TO FORK OVER MORE MONEY TO ENABLE THEIR CRIMINAL ACTIVITIES OK'D BY LAW.
THAT'S NOT THE UNITED STATES I DEFENDED AND REFLECTED IN IRAQ FOR 20 MONTHS.- MAY GOD JUDGE THIS NATION WITH A HEAVY HAND AND MAY HE SPARE NO MERCY WHEN HIS WRATH IS INCURRED- YOU HAVE BEEN WEIGHED IN THE BALANCE AND HAVE BEEN FOUND WANTING

John
Bellefontaine, Ohio
U.S.A.

This report was posted on Ripoff Report on 03/03/2009 04:33 PM and is a permanent record located here: http://www.ripoffreport.com/r/National-City-Bank/Bellefontaine-Ohio-43311/National-City-Bank-DEPOSIT-SCAM-OF-NATIONAL-CITY-BANKPNC-BANK-Bellefontaine-Ohio-430456. 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

I feel you

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

They like to hold my Military direct deposit for almost a week and a half ALL THE TIME. What are we supposed to do? Not pay bills that we have to pay on time? I'm always in the red because of their bad business practices! This is why Banks are in trouble. It's not just because of people,but because of their horrid practices and business ethics,or lack there of!
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#2 Consumer Suggestion

For Ken

AUTHOR: Mr Common Sense - (U.S.A.)

I thought that was what I said?

"If you made a deposit on Friday of a check (payroll, government, etc) $100 is available that day and the rest the next business day. " $100 available same day and the rest available next business day?
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#3 Consumer Comment

For Mr Common Sense

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

Good advice....but...by law State and Federal checks are not subject to float and must get next (business) day availability. This is also true for postal money orders and cashier's checks.
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#4 Consumer Comment

You Caused Your Own Crisis

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

You have a lot of bad assumptions and poor money management skills. If you overdrafted your account on a Saturday, the real intent of your deposit was to hope your debits/cash would be covering your overdraft transactions. If you deposited your money after 2PM on a Friday - you won't have access to that money until the next business day, which would have been Monday. If they gave you even one of those overdraft fees back to you - here's what you should do:

Kiss their feet.

They gave you their money (it wasn't yours any longer) to keep you a satisfied customer despite your poor money management skills. And for that, you complain here. I think they deserve your thanks, not your contempt.

Next time, don't overspend your money and you'll never
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#5 Consumer Suggestion

LEARN YOUR FUNDS AVAILABILTY POLICY

AUTHOR: Mr Common Sense - (U.S.A.)

The bank makes it clear and has posted in the branches when funds you deposit are available to you. If you are too lazy to read them then you can't argue validity of fees. If you made a deposit on Friday of a check (payroll, government, etc) $100 is available that day and the rest the next business day. Checks/debits that come in Friday night only have the $100 available to pay items. If there isn't enough available - OD or NSF fees. Pretty simple. Even if they had a deposit box, the deposit would have been made Saturday - which again is Monday business so it all would have worked out the same. Now the deposit you made at the ATM on Friday the 27th... Most ATM's cannot distinquish between cash and check so deposits are made available assuming all checks. Again, the first $100 of the deposit is available, the rest is not until the next business day. Now if your deposit was made after the ATM cut off time - many are 7:00PM, then the deposit is no longer a Friday deposit but a Monday deposit (even if the bank is open on Saturday - because Saturday is not a banking day and is considered Monday business). This means that $100 of your ATM deposit is available Monday and the balance is available Tuesday. Pretty simple. Know your funds availability policy and cut off times. The banks give you this information - if you choose not to read it or ignore it then you deserve the fees you are being charged. Blaming the bail out has become the excuse for people not understanding how their account works. There is no rip off here - only consumer ignorance!
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#6 Consumer Comment

Educate yourself

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

It appears from your post, that you are your own worst enemy.

If you see a negative status on Saturday morning, it means that that the transactions that were processed in the early hours of Friday morning caused overdrafts. So your deposit on Friday wasn't going to save you. Even if the overdrafts happened on Friday, the bank posts debits before credits (most commercial banks do) so the deposit still wasn't going to help.

ATM's always have an extra day's float. This si disclosed in the account opening documentation. This is because they generally only get opened once a day.

It's your pattern of writing checks and/or using your card before you have available funds in the account that is killing you. It's an expensive game to play.
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#7 Consumer Comment

Educate yourself

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

It appears from your post, that you are your own worst enemy.

If you see a negative status on Saturday morning, it means that that the transactions that were processed in the early hours of Friday morning caused overdrafts. So your deposit on Friday wasn't going to save you. Even if the overdrafts happened on Friday, the bank posts debits before credits (most commercial banks do) so the deposit still wasn't going to help.

ATM's always have an extra day's float. This si disclosed in the account opening documentation. This is because they generally only get opened once a day.

It's your pattern of writing checks and/or using your card before you have available funds in the account that is killing you. It's an expensive game to play.
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#8 Consumer Comment

Educate yourself

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

It appears from your post, that you are your own worst enemy.

If you see a negative status on Saturday morning, it means that that the transactions that were processed in the early hours of Friday morning caused overdrafts. So your deposit on Friday wasn't going to save you. Even if the overdrafts happened on Friday, the bank posts debits before credits (most commercial banks do) so the deposit still wasn't going to help.

ATM's always have an extra day's float. This si disclosed in the account opening documentation. This is because they generally only get opened once a day.

It's your pattern of writing checks and/or using your card before you have available funds in the account that is killing you. It's an expensive game to play.
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#9 Consumer Comment

Educate yourself

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

It appears from your post, that you are your own worst enemy.

If you see a negative status on Saturday morning, it means that that the transactions that were processed in the early hours of Friday morning caused overdrafts. So your deposit on Friday wasn't going to save you. Even if the overdrafts happened on Friday, the bank posts debits before credits (most commercial banks do) so the deposit still wasn't going to help.

ATM's always have an extra day's float. This si disclosed in the account opening documentation. This is because they generally only get opened once a day.

It's your pattern of writing checks and/or using your card before you have available funds in the account that is killing you. It's an expensive game to play.
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