ED Magedson – Founder
National City BankInternet United States of America
Everything began with my tendency to overdraw my checking account. I would never keep a record of my spending so this was never that big of a problem as I would pay the overdraft fees when I got my next paycheck(s). Over time this became too costly to keep up with and finding myself running into hardship I started to keep a physical record in my checkbook of what I would spend on a daily basis. Still I would find myself with overdraft fees. I found that the reason for this would be based on this type of example:
Lets start the day with $10
Spend $5 at .
And then spend $12 at .
The $12 would be taken out of my account first giving me one overdraft fee. Then the $5 would be taken out second causing me a second overdraft fee.
I fought this time and time again and was told many different reasons as to why it happens. Including it was the sum of charges for the day that would make me overdraft twice. If this is true my total spending combined together should make one amount, and give me.one overdraft fee?
Poor me, poor me. I gave up.
I set gears into motion to close my checking account. I was told to wait a sufficient amount of time (almost one month to the best of my knowledge) over which time there was absolutely NO activity on my checking account. I went to the branch and closed my account. I assumed that closing my account would end this problem of over drafting and owing
I received my credit card from
Unfortunately for me about 2 months prior a
When finally my grants arrived and I took $125 to pay for some living expenses and such I took the remainder of the money and called National City in order to pay off the balance of my credit card. For some reason I was never sent another credit card when mine expired and I had assumed that this was because I was delinquent on my account. I told the operator that I needed to pay off my balance and that a new card needed to be sent out to me because I had never received a replacement. I was told that this was not a problem, the operator took my information, set up the payment to come out of my bank account the following business day and then passed the phone over to another associate that looked at my information, said that she could report my card lost/stolen and then did so and said that I would receive a new credit card within 7-10 business days.
It was now 11-12 business days and I am beginning to worry. I call National City Bank and explain what is happening. I receive unsure words from the operator. After a time she concludes that I am not eligible to receive a new card because I was on the hardship plan and that they just close the account after its paid off. Something I was unaware of, was never told vocally and Im sure is in fine print somewhere, or in one of theyre nifty letters that look like my bill that I no longer open, as I already have the paper that I fill out to mail in to the collection department filed and ready to be sent inonce my credit card is paid off and helping me consolidate my debt.
I am told by this operator that I most call another department and they are open on Monday.enter hours and times here. Either way I have to call back after the weekend. And I do. I wait for Monday and call first thing in the morning. Im given back and forth to a menagerie of people all of which tell me that they can not do anything for me and I have to call somebody else. Thats not what we do here, we dont do that here, was applied to many different aspects of the questions that I was asking and/or the help I was asking for. The only person that was of any reassurance to me was not able to offer me any real help, he was from the collections department and sadly the only real person I spoke to in my game of tether phone and the only person I believed had a soul. It is a shame that the only people with any sense of compassion or sense work in the department where they will be mentally beaten by people unwilling to pay their bills.
I just wanted to pay mine. And I did. I just wanted my credit card back. But I wasnt allowed.
After a trying time and a trip to the branch, in which they told me to call the 800 numberI called the 800 number again. I was able to find out that the reason I never received a new credit card is that they no longer make my credit card. And that the only way I could get a new one was to re-apply for one. As I am still currently out of work and only self-employed making just a small amount I decided to go ahead with the idea. The associate took down all my information over the phone and I am sure she tried not to laugh when I told here my total monthly income is approx $200-$400 dollars. (I also might mention that I do work one day a week at a paid apprenticeship, always forgetting about that. One day a week will do that to you.) Youll receive our reply within 7-10 business days. And was at a point in my life where I just went ahead and asked here, what do you think? You do this all the time right? What are my chances, do you think? This is what she told me, Youll receive our reply within 7-10 business days. Deeply programmed.
And yes, I was denied.
I would rather give my money to Wal-Mart. The tell me up front that they are going to charge me a fee. Then I tell them that this is an acceptable fee and I accept the service. They then provide the service, charge me my fee which Im already in love with, give me a receipt proving that Im now married to my transaction and tell me to have a good day. After this all happens I can skip away to the food department and look at everything that I am unable to buy.
I have posted here upon finding out that National City Bank is not listed on the Better Business Bureau Website. I am not a writer. I have terrible grammar and my vocabulary is rather limited. My biggest regret is that I did not keep a proper journal with names of who I spoke with, what number I called to get them and dates/times of the events. Somewhere in the depths of the National City Bank there is a chance there are call logs. I doubt that anyone will ever hear them even by the slim chance that they do exist.
This report was posted on Ripoff Report on 11/25/2009 12:41 AM and is a permanent record located here: http://www.ripoffreport.com/r/National-City-Bank/internet/National-City-Bank-National-City-Checking-Account-Strife-Hardship-Plan-Pipe-Dreams-Cred-528357. 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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