• Report: #513460

Complaint Review: National City Bank

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  • Submitted: Thu, October 22, 2009
  • Updated: Wed, October 28, 2009

  • Reported By: Sweetmate — Romulus Michigan U.S.A.
National City Bank
Detroit, Michigan United States of America

National City Bank DOES manipulate accounts to charge NSFs Detroit, Michigan

*Consumer Comment: Answers to Edgemans questions...

*General Comment: Banks charging fees to responsible customers...

*Consumer Comment: Seems I struck a nerve with the bank DEFENDERS...lol

*Consumer Comment: Indisputable Ripoff Facts

*Consumer Comment: For proof that Ronny G has gone off the deep end, look no further...

*Consumer Comment: Hilarious...

*General Comment: MY NAME IS SUPER BANK... I DEFEND BANKS FROM THE LIKES OF YOU!!!

*Consumer Comment: Unnecessary rude responses from bank defenders, typical...

*Consumer Comment: I just don't understand the bank "defenders"...

*Consumer Comment: YOU ARE RIPPING YOURSELF OFF

*Consumer Comment: Question for IamGood

*Consumer Comment: To The Individual Known as IamGood

*General Comment: tsk, tsk tsk, you overdrafters will never learn

*Consumer Comment: More bank tactics, deception and manipulation...

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I don't care what anyone says, National City does reorder debits, hold credits and manipulates accounts to be able to charge more NSFs than should be necessary. True, they have the right to charge you a fee if they cover a bounced item, but to change things around to cause more fees is wrong.


I've had a case where I had $100 in my account. I overdrew my account by ONE CENT--ONE CENT. It was a mathematical error on my part and I admit it, before anyone jumps my butt about not spending money I don't have, yada, yada, yada.


So basically, my account should have been $-.1 and fine, they can charge me $34.00 due to my own stupidity. However, this is how it went down: they put the $10.01 debit through first, because they knew it would overcharge my account. Then, they charged me the $34.00. Then, when I had a balance of $55.99, they put a $60 debit through, then charged me $34.00 for that since my account was now under the available amount, bringing my account to$-38.01. Then, they put a $40 debit through and charged me another $34.00, making my account $-112.01. All that for my original ONE CENT mistake. When I called them, the girl admitted they put whatever they can through first to cause it all and will charge on stuff that hasn't even posted yet to cause overdrafts. Deposits and credits are definitely LAST in line to post, so don't think since you put money in to cover it that you will be in the clear. They'll bounce everything, charge you the fees and then post your credit.


I've told me husband for years that they reorder debits and hold stuff to make sure they get more money and seeing all the posts about NC, I now know it's true.


This report was posted on Ripoff Report on 10/22/2009 04:29 PM and is a permanent record located here: http://www.ripoffreport.com/r/National-City-Bank/Detroit-Michigan-/National-City-Bank-DOES-manipulate-accounts-to-charge-NSFs-Detroit-Michigan-513460. 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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#1 Consumer Comment

Answers to Edgemans questions...

AUTHOR: Ronny g - (USA)

And responses...

First off...when to state things such as "rationalize his hypocrisy" it would be considerate if you can list a single example of any hipocrisy I have posted. The only reason i 'rationalize" anything..is because of the implications by the BANK DEFENDERS that every single customer who overdrafts...or lodges a complaint against the banks here..is irresponsible...stupid....child like...a criminal...a thief...stealing the banks money...can't  understand some kind of "contract"...and that the bank ALWAYS did "nothing wrong".

It is not that difficult for Edward and I to understand and post what the banks ARE doing "wrong"..(I guess depending on ones interpretation of what "wrong" is) but it is difficult that for the hundreds and hundreds of complaints that come in...a small handful of the SAME banks defenders always troll in to defend the bank..and belittle and insult the posters..and that is what leads to these long winded futile pissing matches. No one can see the reasoning from either side..and both side apparently have enough conviction to continue debating...So be it. Until I know I am wrong..I will not step down.I will stand my ground and defend the posters who I believe in my heart were done "wrong".

I have been coming here long enough to realize I will not be able to make many BANK DEFENDERS see our side...but as eveident..there does seem to be changes happening..the EXPOSURE has made a difference..and WILL continue to.

Now on to the questions...


"How many people in this thread are aware of a new fee that Bank of America is going to be testing? This fee isn't for people who can't be bothered to manage their own finances. No, this fee is for the people who actually practice financial discipline. You see, the bank wants to charge people who pay off their BofA credit cards every month in the form of an additional annual fee. CitiGroup is planning an additional fee and some people are speculating that annual fees on cards that offer airline miles or other perks may also increase.
"

I was unawere,,but not at all surprised. Thankfully, I do not have..nor will I ever have or use a credit card from BofA..or CitiGroup. However I have stated in a few posts before ever reading this that everyone just watch..the banks ARE going to start attacking the "good" customers...and low and behold..I was mocked..and a bank defender posts the evidence for me....thank you.

"Of course, customers could simply close their accounts but that has a very real possibility of impacting one's credit score. No doubt we will see RipOff reports from people who don't read the updates to their terms & conditions and wonder where this new fee came from."

The way things are headed..I am seriously starting to wonder if a credit score is going to mean anything. The banks are seeing to it that there will be a very long period of time before any recovery can begin..or be maintained. Why they are doing this is beyond me...but we can only hope our government "of the people, by the people" can offer some relief...because if the bank have their way..this recession will surely become a depression..and that is something I actually prey every night I do not have to say "I told you so" over. It is not woth my pride..we need to start recovering or your interest rates and credits cards won't mean much on a food line. We can not allow history to repeat itself in this case..on this we should all see eye to eye..you think?

As far as you always having to through in an insult..or implication..presumption etc that "people who don't read the updates to their terms & condition's"...is it fair to say that maybe some people will not be notified? Is it remotely possible? Or do I need to post evidence that this happens? As well..even the people who do read it..don't you think many are STILL going to lodge a report here regardless. I mean we have been over this time and time again..that just because something is in a contract or a brochure...does not disqualify it as a ripoff. And does not mean people do not have a right to complain about it..or be upset.

And I hope when these "good" customers come to complain..that no one belittles them and insults them as well..and places no blame on the bank for making the policy change decisions.



"Answer this, Ronny and other defenders of irresponsibility: If the banks are willing to charge fees to their responsible customers, is it within the realms of possibility that they will charge new fees to their other customers or establish stricter criteria for new account holders? Could a fee for declining transactions or a credit check for new account holders be possible?"

First of all..I do not "defend" irresponsibility. I simply EXPOSE the banks tactics..and the banks part in causing the fees and expense. And apparently everyone's complaints and all the exposure is making a difference..much to the chagrin of the bank defenders..who should not really care..since they are so perfect and never overdraft anyhow...they should not be affected by those that chose to opt ..and by the banks that chose to stop the unnecessary re-sequencing..and fee limiting.

As far as establishing stricter criteria for new account holders...if they did this all along with all their endeavors...we would not be here now..and the economy might still be growing. As I have stated a million times..the banks need to find a way to profit by fair lending..if they can not do that..they will continue to fleece us all...good..bad..deadbeat..overdrafter...high balance, low balance..poor, rich..it does not matter to the bank..they just see us all as cash cows..or they don't need us...this is going to hurt us all. We bail these bastards out..and the only thing we hear them talk about is their bonuses...why not talk about helping out the customers a little during a recession? Or a new "tactic" to help us recover from this recession? I won't hold my breath..I just hope we all have work in the next few years...it's going to be a tough time if things don't start improving fast.
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#2 General Comment

Banks charging fees to responsible customers...

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

As Ronny has managed to rationalize his hypocrisy and there is no point in expecting rationality out of an irrational person like him, our time would be better spent considering a very real possibility.

How many people in this thread are aware of a new fee that Bank of America is going to be testing? This fee isn't for people who can't be bothered to manage their own finances. No, this fee is for the people who actually practice financial discipline. You see, the bank wants to charge people who pay off their BofA credit cards every month in the form of an additional annual fee. CitiGroup is planning an additional fee and some people are speculating that annual fees on cards that offer airline miles or other perks may also increase.

Of course, customers could simply close their accounts but that has a very real possibility of impacting one's credit score. No doubt we will see RipOff reports from people who don't read the updates to their terms & conditions and wonder where this new fee came from.

Answer this, Ronny and other defenders of irresponsibility: If the banks are willing to charge fees to their responsible customers, is it within the realms of possibility that they will charge new fees to their other customers or establish stricter criteria for new account holders? Could a fee for declining transactions or a credit check for new account holders be possible?
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#3 Consumer Comment

Seems I struck a nerve with the bank DEFENDERS...lol

AUTHOR: Ronny g - (USA)

Okay...time to debunk it all..one by one..section by section...this is gonna be a long one....

First Iamgood...the F*KING JACK*S....yep..I said it AGAIN...and he consistently proves that is what he is by his actions..no need to "sugar coat" that...here goes..


I am going to skip over most of the nonsense..since it is apparent no amount of reason will ever get into a bank defenders head...but others should be aware of the banks part in this as well...overdrafts are not always caused by irresponsible customers..there are other factors that bring on so many additional fees...and these have been discussed in much detail...

Iamjackass stated at the end...


OVERDRAFTS ARE EXPENSIVE!!!  FOR A REASON, THE FEES ARE  MENT TO STOP THE OVERDRAFTERS FROM DOING IT......

SOME PEOPLE WILL NEVER LEARN THOUGH!!!!


Uhhh...well you would think it would be working then..wouldn't you? I mean the bank goes through so much effort to prevent overdrafting...like excessive hold times...incomplete and unreliable online statements...mandatory FORCED courtesy overdraft protection...the totally UNNECESSARY re-sequencing of transactions...to name a few...

Yep..it would seem to me the banks can't figure out that the fees apparently are not stopping anyone from overdrafting...like Iamfuckingjackass claims the banks mean for it to do..interesting take...

As far as "the people who will never learn"..I never came to the defense of any customer that was aware of the banks tactics..and then overdrafted with intent..if you have EVER seen me do that...kindly post an example...or stop responding to me with stupidity. And I also think you need some medication..you are getting way too upset over this..you would think you were the one paying all these fees...

SIGNED

Defender of the American hard working ripped off bank customers.


Next...

Ahhh..my buddy Robert from right near where I live....lets see how we can respond to this wisdom...


"I just want to thank you again Ronny for giving me a great laugh to get my day going.  I mean after all someone who a few posts earlier calls someone a f*king jacka*s and then says that other comments after that were "Unnecessary rude responses" is just freakin' hilarious.  But since I am a "bank defender" I am sure you expected this since it is typical.  It is too bad that we just don't get your sort of logic.  Oh well..C'est la vie."

I take no shame..and make no apologies for insulting or criticizing anyone who belittle an insults someone who comes here to lodge a complaint...feels they were ripped off..already upset and angry..already at a financial loss..and a few sadists come on to do nothing but attempt to make someone who already feels bad...feel "more" bad. The Bank defenders that continue to do this will be insulted back 10 fold...especially the ones like Iamfuckingjackassgood..and i have no remorse whatsoever.

If any bank defender can not tell the difference between insulting and belittling an alleged victim of a ripoff scam fleecing...from someone who is defending said victim of ripoff scam fleecing..I don't know what else to say..I guess if you can't take the heat..but only dish it...stay out of the kitchen...the same kitchen some of these bank defenders offer no help..unless they believe pouring salt on the wounds of another is "helping". In my eyes that is a sign of a sick person...and they may be feel more at home at a fetish website..then here.

I don't expect most bank defenders to ever understand logic, reasoning or compassion..so i give them what they do understand..and so it wil stay until they treat the posters with dignity and respect. Or do they expect kindness in return?? Get serious Robert...I don't understand why sometimes you make so much sense...and other times it looks like you are simply here to troll me out in a feeble attempt to discredit me...it will NOT work my friend.

Next...

Truth Detector from Intercourse...ah another old friend. He is here with "proof" that I went off the deep end....we shall see...



"Yep...I'm sure that all banks will suddenly impose charges on their valued account holders to make room for overdrafters. I think it will be more likely that banks will just exclude these deadbeats from their customer roles altogether and report the offenders to ChexSystems (and the 5-year exclusion from checking accounts that accompanies it)."

The reason I stated what I did..and it is and WILL prove to be fact..is that the bank defenders have consistently claimed that everyone should follow their advice..and the banks did nothing wrong.

Now we find the banks apparently discovered they need to make the EXACT changes in policy Edward and I have been harping about since day one. So perhaps the banks have a reason?

Now again...I will try to speak logic to a bank defender. The bank have been making a lot off these overdraft fees..and many were the result of not only irresponsible customers as the bank defenders call them all...but from the tactics such as forced mandatory OD protection combined with re-sequencing,,which that policy is not necessarily for 90% of the customers who got caught in that trap.

So when the banks cease this activity...they will surely as the day is long look for other ways to profit. Mark my words...if I am wrong...I will come back here and admit it and take full mocking from the few bank defenders.

"Now I ask you, won't that be a welcome development for overdrafters? Nothing like living life without a debit/ATM card, checks, bill pay...the works. Once they become a drain on the bank's finances, off they go to the payday loan/check cashing business of their choice. Victory won, Ronny G!
"

That will be if it comes to it. If someone can not afford to live within their means..or can not figure out how..those are not the ones I have been defending. Some of you bank defenders do not comprehend anything I have stated..so it seems futile to go on and on. I will say this again for the 100th time. IF SOMEONE IS AWARE OF THE BANKS POLICIES..AND THEN CONTINUES TO OVERDRAFT WITH INTENT...I WILL BE THERE RIGHT ALONG THE BANK DEFENDERS DEFENDING THE BANK.

Is that clear enough???????????? Jeez...


"While we're on the subject, let me address another flaw in your thinking, Ronny. With all due respect Mr. "My feelings are hurt from this unnecessary rudeness", since when did it become a good thing to impose penalties on RESPONSIBLE account holders by raising their interest rates and charging them fees while letting worthless, deadbeat overdrafters off the hook?
"

Another flaw in my thinking?? Or is the "flaw" actually in your lack of comprehension..or what you choose to comprehend??

I don't think it is a good thing for the bank to impose penalties on anyone. I was being sarcastic...the smart ones should have picked up on that. However...the banks were making these fees off plenty of customer who WERE good customers as well...actually good enough to line the banks pockets with over 38.5 billion dollars in fees for 09 alone. Now when the changes in policy cut this amount down..how is the the fault of the overdrafters? If overdrafting was such a "problem" for the banks...why did the BANKS ALLOW IT? You can not turn everything on to all the customer how paid all these ridiculous fees. Since if these so called evil thieving overdrafters never actually overdrafted to begin with...what would the banks be doing different to turn a profit? The answer to this will be apparent in the not too distant future...and it will be NO ONES fault but the banks. If they can't make a profit by fair lending as was the banks purpose to begin with..then WE WILL ALL PAY THE PRICE sooner or later..once again..mark my words.

"That line of thinking is precisely what led to the credit crisis we find ourselves in as a country. Too many deadbeats took out loans, credit cards, auto loans
, and home mortgages they were unable to pay. Now, RESPONSIBLE consumers are forced to pay the price for the IRRESPONSIBLE and DEADBEAT ways of the few.
"

Well this is certainly one way to look at it. All these people that just wanted the American dream....a little slice of the pie..and what did they get??? If you open up a paper you would find that not all these people were deadbeats...so if you choose to blame the current economic conditions on "your" line of thinking..there is nothing I need to say to rebut it..the ignorance...SHEAR ignorance speaks volumes. I would be thanking the Government and the banks for the current economic conditions...the so called "deadbeats" seem to me to be the only one who actually gave the banks any profit this year....well that and the 700 BILLION dollar bailout in TARP funds...so who is really the deadbeat here?????

"This sort of brainless thinking may make sense to you right now, Ronny. After all, it essentially removes RESPONSIBILITY from your vocabulary and always punishes someone else for your inability to manage your account like an adult. However, understand that your little "opt out" mantra will fall as flat as that unused check register in your junk drawer.


You are preaching to the choir and do not even realize it. You refuse to see that I do not defend irresponsibility..I simply expose some tactics that banks have used to maximize fees...and I expose the fact that these fees were excessive..and i expose the fact that something needed to be done then JUST blaming millions of bank customers....and look what is happening...something IS being done...imagine that.

So..does it still seem like I am the one falling off any deep end? I feel pretty well grounded if you ask me.

Deadbeats don't read terms and conditions. They just spend and spend until they don't have any money left - then they spend someone else's money i.e. the BANK'S MONEY (hence, the overdrafting). Without the option of overdrafting constantly without penalty (again, after the bank closes their accounts, freezes their funds, and mails them a check in 10-12 weeks) and hindered by a life on Chexsystems, their account options will vanish like a toot in the wind.

Wow..this is a long winded post..Why all the hate buddy? Regardless of how much you can't stand these "deadbeats"..and how much you think it helps or makes any difference in you assuming they are all deadbeats..it just takes away any and ALL credibility to your posts...it only feeds the other bank defenders..it does nothing at all to sway a decision..it does nothing at all to change anyone who is actually a dead beat...and in all honesty..you would do MORE good if you simply didn't reply if you hate these posters so much.

"Mark my words: The "reform" you trumpet won't change a thing. Without making money on the overdraft fees of deadbeats, banks will not tolerate their deadbeat ways. They will justifiably be assigned a high-risk status and dumped like a bad prom date. All your pom poms and cheerleading won't change the fact that they will continue to pay fees, week after week, and keep my checking account free - that or they will earn frequent flyer miles at the Buy and Bag after paying $25.00 a pop to cash their check."

Yes it will change things. But not for ALL the deadbeats as you call them..because exactly... they will continue to get fees. Edward and I have NEVER stated an overdraft does not deserve to be charged a fee by the bank. And this is why our advice has been more sound then the bank defenders. If all these deadbeats listened to your advice..and never overdrafted again..the banks would be screwed and you know it, and so would we all even worse then we are going to be.

The changes will make banking more fair to many though..who would have normally been charged many additional fees due to re-sequencing..which is being charged fees for transactions that technically were not the cause of overdrafting..so it is only fair. The opting out of OD protection is a good defense for anyone to protect from the bank ALLOWING transactions to go on and on when the account is below zero due to error, fraud, deadbeatness..whatever..the point is by allowing this CHOICE...the customer has no one to blame BUT themselves once the changes are put into effect...and that is all we ever wanted..no free rides..just fairness and the ending of tactics.

So sit down...take a deep breath..yoga breathing is good to lower the blood pressure. Perhaps you will find happiness and not be so hateful and resentful..and can be of some actual use here other then bulling alleged victims.
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#4 Consumer Comment

Indisputable Ripoff Facts

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

Quote from Truth Detector: ''By virtue of their cheerleader mentality, Edward and Ronny essentially GUARANTEE that this cycle of irresponsibility will continue.''


First of all, I am not a CEO of any of these banks that are voluntarily backing down from their own ripoff policies. I am not a member of the Federal Reserve Board who just announced upcoming policy changes to bank overdraft procedures. So my very humble comments and opinions mean absolutely nothing in the grand scheme of things. They mean nothing, unless they cut right to the heart of the hypocrisy and failed logic of the 'bank defenders' thereby causing their frustration, embarrassment and subsequent retaliatory, hypothetical, futuristic comments.


Maybe it's possible the bank CEOs and the Federal Reserve Board read the survey conducted a few months ago from the research group Moebs Services. The survey that confirmed this is the first time that banks have increased their profits from overdraft fees during a recession in more than 40 years. Now what's so unique about this year compared to the previous 40 years? After all, there have always been irresponsible customers who don't manage their finances responsibly, so why hasn't this occurred before during the previous 40 years?


- Could it be the ripoff Unavailable Funds Fee? Yes, that's probably a big reason.


- Could it be re-sequencing of transactions? Yes, that's probably a big reason.


- Could it be mandatory courtesy overdraft protection? Yes, that's probably a big reason.


This post is for informational purposes only, for the record. Regarding the information presented in this post, by all means, anyone please feel free to respond but in no way feel obligated to respond.

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#5 Consumer Comment

For proof that Ronny G has gone off the deep end, look no further...

AUTHOR: Truth Detector - (U.S.A.)

Ronny wrote:

When these changes are in full force..(which is not from Edward and I...the banks have decided)...the fees from overdrafting will decrease..and probably substantially. I wonder who the bank defenders will blame when their free checking is gone..and their interest rates start to suck...and their credit limits are lowered or their cards are canceled for no apparent reason..this ought to be fun so stay tuned.

Yep...I'm sure that all banks will suddenly impose charges on their valued account holders to make room for overdrafters. I think it will be more likely that banks will just exclude these deadbeats from their customer roles altogether and report the offenders to ChexSystems (and the 5-year exclusion from checking accounts that accompanies it).

Now I ask you, won't that be a welcome development for overdrafters? Nothing like living life without a debit/ATM card, checks, bill pay...the works. Once they become a drain on the bank's finances, off they go to the payday loan/check cashing business of their choice. Victory won, Ronny G!

While we're on the subject, let me address another flaw in your thinking, Ronny. With all due respect Mr. "My feelings are hurt from this unnecessary rudeness", since when did it become a good thing to impose penalties on RESPONSIBLE account holders by raising their interest rates and charging them fees while letting worthless, deadbeat overdrafters off the hook?

That line of thinking is precisely what led to the credit crisis we find ourselves in as a country. Too many deadbeats took out loans, credit cards, auto loans, and home mortgages they were unable to pay. Now, RESPONSIBLE consumers are forced to pay the price for the IRRESPONSIBLE and DEADBEAT ways of the few.

This sort of brainless thinking may make sense to you right now, Ronny. After all, it essentially removes RESPONSIBILITY from your vocabulary and always punishes someone else for your inability to manage your account like an adult. However, understand that your little "opt out" mantra will fall as flat as that unused check register in your junk drawer.

Deadbeats don't read terms and conditions. They just spend and spend until they don't have any money left - then they spend someone else's money i.e. the BANK'S MONEY (hence, the overdrafting). Without the option of overdrafting constantly without penalty (again, after the bank closes their accounts, freezes their funds, and mails them a check in 10-12 weeks) and hindered by a life on Chexsystems, their account options will vanish like a toot in the wind.

Mark my words: The "reform" you trumpet won't change a thing. Without making money on the overdraft fees of deadbeats, banks will not tolerate their deadbeat ways. They will justifiably be assigned a high-risk status and dumped like a bad prom date. All your pom poms and cheerleading won't change the fact that they will continue to pay fees, week after week, and keep my checking account free - that or they will earn frequent flyer miles at the Buy and Bag after paying $25.00 a pop to cash their check.

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#6 Consumer Comment

Hilarious...

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

I just want to thank you again Ronny for giving me a great laugh to get my day going.  I mean after all someone who a few posts earlier calls someone a f*king jacka*s and then says that other comments after that were "Unnecessary rude responses" is just freakin' hilarious.  But since I am a "bank defender" I am sure you expected this since it is typical.  It is too bad that we just don't get your sort of logic.  Oh well..C'est la vie.


I now return you to your regularly scheduled postings....

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#7 General Comment

MY NAME IS SUPER BANK... I DEFEND BANKS FROM THE LIKES OF YOU!!!

AUTHOR: IamGood - (USA)

To all the bank BASHERS out ther who want to blame the banks for your mistakes:

You bounce checks, and make improper deductions from your accounts when you dont have the money in them, and then you get upset because the bank resequences your transactions?

What is wrong with that????   if you wrote a check a year ago, or made a ATM transaction a year ago, and it has not hit your account yet, your "RECONCILLED" CHECK REGISTER should reflect that fact, and a "RESPONSIBLE" individual will not make any transactions that will exceed their "RECONCILLED" Bank Balance. 

This way it doesnt matter if a check , or debit card is sorted in amount order, or dated order, or in order by the payee.  It just wont matter at all.

Further more, the "Irresponsible" check writers will go by the avaiable balance on their ATM receipts, or the online balances ONLY.  I would like to remind you that that balance DOES NOT REFLECT ANY CHECKS OR DEBIT TRANSACTIONS YOU HAVE MADE THAT HAVE NOT YET BEEN PRESENTED TO THE BANK.

This available balance is a Tool provided by the bank for you to use, to Reconcile your check register balance with the bank balance.

A person who refuses to RECONCILE his bank balance at least on a monthly basis, is being FOOLISH.  If you make it a habit of receiving overdraft fees, you should RECONCILE your bank check register DAILY.

YES, I AM A BANK DEFENDER, BECAUSE THE PEOPLE WHO COME TO RIPOFF REPORT, AND POST THESE COMMENTS,   BLAMING  THE BANKS FOR THEIR FOOLISHNESS, NEED TO HAVE THEIR SHORTCOMINGS BROUGHT TO LIGHT, IN THE HOPES THAT THEIR FOOLISH BEHAVIOURS WILL STOP.

OVERDRAFTS ARE EXPENSIVE!!!  FOR A REASON, THE FEES ARE  MENT TO STOP THE OVERDRAFTERS FROM DOING IT...... 

SOME PEOPLE WILL NEVER LEARN THOUGH!!!!

SIGNED

IAMGOOD, BANK DEFENDER !!!

 

 

 

 

 

 

 

 

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#8 Consumer Comment

Unnecessary rude responses from bank defenders, typical...

AUTHOR: Ronny g - (USA)

The bank defenders believe anyone who overdrafts...for any reason..even if by a penny....is criminal. Yet...they hold no blame on the bank whatsoever...who not only allow overdrafting to occur...not only encourage it...but automatically enroll every single customer in "courtesy mandatory overdraft protection". So if overdrafting is such a crime...even if by a penny..I guess this makes the bank an accessory to a crime???


Regardless..the defense of "the bank did nothing wrong" no longer is valid..since the BANKS THEMSELVES have recently decided to change many of these policies on their own...leading even a person of average intelligence to conclude the banks must themselves believe perhaps they were doing something wrong.


It appears some of these bank defenders are only here in feeble attempt to discredit the true voices of reason on this site, and not care to help the customer in any way..most of these bank defenders get some kind of thrill out of making someone who already feels bad...feel "more" bad...and I have yet to figure out the reason why..perhaps some things are better left unsaid.


I have never ONCE said a customer has no responsibility to keep track of their money..and neither has Edward. What Edward and I have noticed..is the bank is using policies that perhaps years ago when most customers only used checks..and for larger purchases..that these policies had a reason..but now with debit cards..are nothing more then a tactic to increase fees...and how they are doing this has been well explained..and the fact the the banks are changing policies...congress is putting pressure on the banks..the FDIC has taken note...pending lawsuits abound..and endless complaints..are bringing on changes that aside from the customer keeping track "to the penny"..the banks are also going to help customer keep track and better protect their money.


What I don't understand about these bank defenders...is if they really believe their advice would work..then no one would ever overdraft again. And in that case..I wonder how they would feel if the bank started using tactics to hit them up with more fees..since most of the banks profit has been from these very overdraft fees. Seems the bank has not been able to come up with a business plan which they can profit from any other way.

When these changes are in full force..(which is not from Edward and I...the banks have decided)...the fees from overdrafting will decrease..and probably substantially. I wonder who the bank defenders will blame when their free checking is gone..and their interest rates start to suck...and their credit limits are lowered or their cards are canceled for no apparent reason..this ought to be fun so stay tuned.

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#9 Consumer Comment

I just don't understand the bank "defenders"...

AUTHOR: Truth Detector - (U.S.A.)

Seriously, why do bank "defenders" go out of their way to debate Edward and Ronny?

Let's resonate some understanding here: As responsible account holders, Overdrafters are our best friends.

It is by way of the irresponsible account management habits of so-called "victims" of overdraft charges that we receive FREE debit cards, FREE bill pay, FREE checking accounts that earn interest, FREE checks for life, and FREE online banking.

By virtue of their cheerleader mentality, Edward and Ronny essentially GUARANTEE that this cycle of irresponsibility will continue. The priceless part is their assertion that "opt out" provisions will somehow end the cycle of overdrafting. Think about it, folks: These "opt out" provisions will be included in the same terms and conditions that these knuckleheads don't read in the first place. Is it even plausible to believe that they will read them in the future?

To Edward and Ronny, I say the following:

KEEP UP THE GOOD WORK!

Until you take off the skirts, put down the pom poms and stop cheerleading, irresponsible account holders will continue to pay the bank fees and keep my services FREE.

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#10 Consumer Comment

YOU ARE RIPPING YOURSELF OFF

AUTHOR: Kathie - (USA)

What does it matter what order they put your charges through? If you have $100, you only spend $100 and if you have $1,000, you only spend $1,000. Once it's gone, it's gone. They are not stealing your money. You are choosing to spend money you don't have. If you don't get paid until Friday, don't spend your money until Friday.


You ripped them off when you spent their "one cent and one cent". If you choose to spend the banks money, you choose to pay their overdraft fee. A bank is not obligated to let you use their money, free of charge. If you can't play by the banks rules, use cash.

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#11 Consumer Comment

Question for IamGood

AUTHOR: Ronny g - (USA)

You stated in your reply...

"I am sick of all these overdrafters   who bitch about the banks "stealing" their money


."




You have every right to be sick of anything you choose to be sick of...but why are you subjecting yourself to it by coming here and reading these reports?


Seems to me if it made you that sick...you would not want to come here and read the reports.


At least a person of average intelligence would know to simply avoid something that makes them sick...would you not agree?




But to your defense...I can understand you attacking this poster...the evil horrible criminal overdrafters...who had their accounts fleeced by the bank...over ONE penny. The nerve of these criminals.


You want to know what I am sick of??? Using 700 BILLION (not "one penny" mind you..that's "Billion" with a B) of taxpayers money for these TARP funds to bail out these screw up banks...and in return during an economic recession...they charge a customer all these fees for going over by ONE Penny...


Iamgood...I hate to resort to this..but I have to say it since it needs to be said...you are a f*king jacka*s.

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#12 Consumer Comment

To The Individual Known as IamGood

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

Let me take a page out of the book of the 'bank defenders', who, when insulting customers often make the statement ''the banks didn't force you to overdraft, you made your own choice''. Or ''no one stood by you and held a gun to your head and made you overdraft''.

Quote from IamGood: ''I am sick of all these overdrafters   who bitch about the banks 'stealing' their money''.

News flash for you. No one is forcing you to sit down at your computer, pull up the Ripoff Report and read anything. Furthermore, no one is forcing you to go even further and logon to the ROR and comment on anything. But the fact that you feel drawn or compelled to do so is very telling, as the wheels continue to fall off the bank mobile.

IamGood, you control the power to solve your own issue, just like you tell the overdrafters. See how easy that is?

Ronny G covered everything else, so nothing further for me to add to make it any more clear.

This post is for informational purposes only, for the record. Regarding the information presented in this post, by all means, anyone please feel free to respond but in no way feel obligated to respond.

 

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#13 General Comment

tsk, tsk tsk, you overdrafters will never learn

AUTHOR: IamGood - (USA)

first I would like to say to SweetMate, you overdreew by a penny?

That would mean that you spent your last dollar, and left absolutly NO cushion in your account.  VERY FOOLISH.

Second of all, it doesnt matter how the banks order the transactions, if you had the money in your account, it wouldnt matter if the bank held the checks for a year, or if the bank ordered them by check date, or by check amount, or if the only processed your checks only on a month that had a full moon on the 20th of the month.

I am sick of all these overdrafters   who bitch about the banks "stealing" their money.

 

 

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#14 Consumer Comment

More bank tactics, deception and manipulation...

AUTHOR: Ronny g - (USA)

The bank has a few key "words" they like to use to sugar coat their tactics...and one of those words is "courtesy"..yes...they have the stones to manipulate your transactions with intent of maximizing fees...and call this a courtesy... Bastards.

Now what the banks sometimes tell you if you ask why they do this...is some kind of malarkey like "well we process the largest transaction first because our customers want the more important transactions to be protected".

So..I guess your bank assumed that $10.01 was for a mortgage or car payment? As well, the banks reason for this is rubbish.. because they cover the large...AND small transactions the same...so why the need to re-order anything? AND...how could the bank know for sure a larger transaction was more important then a smaller one...what if you used $800.00 for a large screen TV...and $75.00 was for heart medication...which one is really more important?

As far as you overdrafting by .01 out of error....those days are changing soon..so expect the banks to be grabbing and clutching at every penny they get fleece, like a bunch of little children after scurrying for candy a pinata busts open...because soon..due to all the complaints and pending lawsuits..media coverage of the scams, pressure from congress...changes are going into effect even before legislation is passed, and lawsuits are lost or settled..imagine that?
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