• Report: #213382

Complaint Review: National City Bank

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  • Submitted: Fri, September 29, 2006
  • Updated: Fri, June 19, 2009

  • Reported By:massachusetts Massachusetts
National City Bank
108 E Michigan Ave Nationwide U.S.A.
  • Phone: 888-622-4932
  • Web:
  • Category: Banks

National City Bank Overdraft via Savings Account Transfer Chicago Nationwide

*Consumer Comment: Cheers to you Erikson!

*Consumer Comment: Another stellar posting from Shane...

*UPDATE Employee: totally wrong

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If you have a National City account, cancel immediatly. If you are thinking about doing business with them: DON'T.

I've never had as poor a customer service experience -- not only because my requests were unsuccessful -- but because of the length of time I was put on hold, the difficulty I experienced in getting in touch with supervisors, and the general hostility of their representatives.

I left Chicago about two months ago, to be with my family in Massachusetts. When I left I didn't close my account, because I expected to move back to Chicago in December.
That was my mistake.

Within a month, I received a letter explaining an overdraft fee of $34. News to me, as I hadn't touched the account in weeks.

It turns out the auto-transfer of checking funds into my savings account was unsuccessfully cancelled. So $25 was taken out of my checking (with a $20 balance) and put into my savings for the month. As a result, I was immediately slapped with an overdraft fee.

I called the branch in Chicago and spoke to a rep. He refused to give me a main number to call but said he could handle it. Then I told him, please make sure I'm not getting charged $8 (the fee on top of the overdraft, for every day an account is negative balance) for the days it's taking to clear up the matter.

Now, I've never worked at a bank, but I have worked in customer service and know, however much a hassle it is to do a write-off or refund a fine, it's still always an option. I really couldn't imagine how someone, knowing the details of this fine, could not return my money.

Not hearing from him, I assumed the matter was corrected (big mistake, I know now.) I am home for family issues that take up enough of my money and time. But to be safe, I checked my account online-- my balance is now negative almost $100, -- $8 for every day it wasn't corrected.

So I called the guy at the bank and he admit he basically forgot to do anything. So then he said he'd take care of it again. About an hour later, I got a hostile call from him, telling me there is no possible way to cancel auto-transfers to savings using the online services.

"Well, I made the transfer amount $0.00. Nothing said, I can't do that." "Well, you can't do that!"

From there, I finally get a number to a main customer service rep who tells me: "We can only return the overdraft fee if it's an error of ours." "Well, it was an error if it didn't go through" "No it's not"
and so began a Kafka-esque struggle of trying to explain myself that after several different calls, still ended up with nothing.

To clarify again: I didn't just write a bad check at the Gap, this is money going from one of my accounts into another --automatically. And I cancelled that automatic transaction (or thought I did.)

I got the overdraft the second the transfer went out of my checking into savings. And that overdraft fee is what made my bank account balance zero.

To make matters worse, there's no way for me to pay this fine over the phone or internet. For a company so committed to automatic transactions, it's ironic they will only accept my payment in the mail (as there are no National City branches in Massachusetts.) So, basically, I'm fined $8 for every day that check goes through the mail.

I'm sure I could have handled it better, but the fact remains is: it's a terrible company policy. And it's a new policy: apparently up until last month, even the tellers had the ability to refund overdraft fees.

J
massachusetts, Massachusetts
U.S.A.

This report was posted on Ripoff Report on 09/29/2006 01:08 PM and is a permanent record located here: http://www.ripoffreport.com/r/National-City-Bank/nationwide/National-City-Bank-Overdraft-via-Savings-Account-Transfer-Chicago-Nationwide-213382. 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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REBUTTALS & REPLIES:
0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Cheers to you Erikson!

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

ConsumerComment
Erikson
Warsaw, Indiana
U.S.A.
Another stellar posting from Shane...

That was meant as sarcasm, Shane...

The pure irony of narcissism-laden arrogance coming from a call center employee is enough to make even the most stoic person crack a smile. By the sounds of things, Shane, you measly reps run the center and your supervisors simply rubber-stamp every decision you make.

Let me know when they let you name your own salary, too...

I have seen three of your various ROR replies...and not surprisingly, you have sided with your so-called customer service reps each time. However, you speak to these customers in an ironically condescending manner. Let me remind you, Shane: YOU ARE SPEAKING FOR YOUR COMPANY WHEN YOU POST ON THESE THREADS. If that was not clear enough, I can always draw you a picture in crayon. Making snotty remarks (not to mention sloppy, putrid grammar) paints a poor picture of any professed professionalism you may claim to have.


Here! Here! My hat is off to you Erikson! Your post is right on the money. Shane is a blatant example of how National City treats their customers. And you called him on it, and put him right in his pathetic place. Applause!!
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#2 Consumer Comment

Another stellar posting from Shane...

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

That was meant as sarcasm, Shane...

The pure irony of narcissism-laden arrogance coming from a call center employee is enough to make even the most stoic person crack a smile. By the sounds of things, Shane, you measly reps run the center and your supervisors simply rubber-stamp every decision you make.

Let me know when they let you name your own salary, too...

I have seen three of your various ROR replies...and not surprisingly, you have sided with your so-called customer service reps each time. However, you speak to these customers in an ironically condescending manner. Let me remind you, Shane: YOU ARE SPEAKING FOR YOUR COMPANY WHEN YOU POST ON THESE THREADS. If that was not clear enough, I can always draw you a picture in crayon. Making snotty remarks (not to mention sloppy, putrid grammar) paints a poor picture of any professed professionalism you may claim to have.

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#3 UPDATE Employee

totally wrong

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

Ok I work at the customer service call center. First of all WE MUST cancel the pre authorized transfers, by putting zero it will default to $25 since that is the minimum. it states this VERY clearly online. So yes, the overdraft charge is yours if you didnt follow proper procedure.

OK, next correction, the 8$ a day compounds the 4th business day after being overdrawn not the first day like you said, secondly, we will waive the fees for your payment for the days it takes to get to us, come on, were not unreasonable. Supervisors? no chances are you wouldnt have been escalated to a supervisor as that is the sole decision of the first rep you speak with, to escalate or to refund if you do actually get to a supv they will back us 100% that is procedure. And how would we accept an electronic transaction? your not in the area, you cut your checkcard up so you cant use an ATM there, now can you.

So yes Bank by Mail was the best option for you. I commend whomever you spoke with as to how well they handle the situation.
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