• Report: #294765
Complaint Review:

National City Bank - National City Bank Of The Midwest - National City Corporation

  • Submitted: Thu, December 27, 2007
  • Updated: Thu, December 27, 2007

  • Reported By:DELTON Michigan
National City Bank - National City Bank Of The Midwest - National City Corporation
1900 East Ninth Street Cleveland, Ohio U.S.A.
  • Phone: 216-222-2000
  • Web:
  • Category: Banks

National City Bank - National City Bank Of The Midwest - National City Corporation National City wouldn't Close Joint account with my Minor Daughter, stole all funds from this and all of my accounts using overdraft fees Kalamazoo Michigan, Cleveland Ohio

*Consumer Suggestion: Minors and debit cards.

*Consumer Comment: The problem is with your daughter

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I wanted to use this forum to warn consumers about the practices of National City Bank. They are generating Millions upon Millions of Dollars by charging overdraft fees by allowing overdraft debits to minors and adults.

While I understand the practice of allowing an occasional overdraft as a service to account holders, they have taken this fee generating service to an extreme that must be stopped through Government intervention...LOL

This is my story, based on actual events.

I was working in Iraq from December of 2005 until May of this year (2007). I have a daughter who was 16 at the time and was living with her mom. Even though her mom recieved child support each month, it seemed like a reasonable idea to provide my daughter with an allowance. To accomplish this, while I was home on R&R in 2006 I opened a joint checking account with her to which I could transfer money from my seperate account over the internet.

Well, let's just say that she wasn't the most responsible with the money and had generated a number of overdrafts which I paid immediatley and counseled my daughter about. Things improved dramatically until I returned home in April, then my daughter decided to go wild, she began to make debit purchases on this card, moved out from her mom's house with friends and started using her debit card with the full knowledge that there was no money deposited.

I attempted to close this account and was informed that my daughter must sign the papers as well, but as a consolation they would not allow further debits. I paid the $300.00+ in overdrafts for less than 60.00 worth of purchases and was assured that no more debits would be allowed. The following week an additional $300.00 plus in overdraft fees on less than one hundred dollars worth of purchases was charged and allowed by National City. When I stopped at my local branch, where they told me the debits wouldn't be allowed, they gave me the run around and told me I had to go to the branch where I opened the account in order to have any of the charges reversed.

I refused to pay the charges and withdrew most of my money from all National City accounts, over time National City debited money from my other accounts causing them to overdraft as well. After cleaning out those accounts, without even a note to tell me, they closed one other checking and a savings account.

I just want to warn anyone that has a minor child on their accounts at National City. They will get their money from you and take advantage of the laws and banking regulations that the banking industry have written and had adopted into law in most states and with the Federal Government.

DELTON, Michigan

This report was posted on Ripoff Report on 12/27/2007 08:05 AM and is a permanent record located here: http://www.ripoffreport.com/reports/national-city-bank-national-city-bank-of-the-midwest-national-city-corporation/cleveland-ohio-44114-3484/national-city-bank-national-city-bank-of-the-midwest-national-city-corporation-nationa-294765. 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 Suggestion

Minors and debit cards.

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

I always thought that a minor under the age of 18 was not allowed to been issued a debit card. Unless you had one and you gave it to her to use. When you talked with your daughter the first time, why didn't you take the card from her. If it was my daughter, the card would be gone and the $300.00 would be paid by my daughter to the bank. The bank branch could of stopped all debits from coming thru by just going into the account and set it up.

I would have gotten the name or teller number of the person who told me that the debits would not no longer go thru. Or I would have tried it myself to see if the bank done what it had told you it would do. But since you was on the account, even your debits would have been stopped. And also that you are responsible for your daughters debits. Unfortunately the only person here that got the valuable lesson was you..not your daughter.

As far as removing the overdrafts, it is the banks discression to remove them or not. When overdrafts are removed at the branch level, it comes out of the branches allowance. No one but the manager can approve overdrafts. And then it is based on several factors. Like how many in the past was commited and removed. Paying for the cost of the overdrafts and bringing the account back to normal and closing it was a good thing, that or take the card away.
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#2 Consumer Comment

The problem is with your daughter

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

Sounds to me like the real problem is the spending habits of your daughter. Regardless of what bank you were with, the problem would have been the same. Apparently the orginal "talking to" did not work with her. I realize that she is young, and all children go through a learning curve, but you can not blame the bank. In essence when an account is overdrafted, you are then spending the bank's money. They have every right to charge for that service. I agree that the charges are a bit high, however that is spelled out in the terms of the agreement that you signed when opening the account.
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