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Report: #182863

Complaint Review: National City Bank - Cincinnati Ohio

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  • Reported By: Cincinnati Ohio
  • Author Confirmed What's this?
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  • National City Bank nationalcity.com Cincinnati, Ohio U.S.A.

National City Bank Overdraft charge when balance was never below 0 Cincinnati Ohio

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And i thought Fifth Third Bank was bad. Recently National City charged me an overdraft charge when my account was never overdrafted. I deposited $1200.00 on a wednesday of which $600.00 was a check. My car payment of $330.00 went through the next day which was a thursday. There was a problem with the check because it was made out to my wife and I and only I endorsed the check. Therefore the check was sent back to me (which took a week when the brach is a 1/2 mile from my house). National City's next action was to debit my account for the entire $1200.00, including the $600.00 in cash! I was never notified of this until the folling tuesday when I checked my balance online and called the bank. They had no explanation of what happened to the $600.00 in cash. They did admit that the $600.00 in cash should be in my account and they said it would placed into my account immediatly, but even that that took 2 days and three more phone calls. Finally, when the $600.00 was put back into my account they were nice enough to date it for the date of the original $1200.00 deposit. The only problem was there was an overdraft fee for my car payment when my balance showed $800.00. National City said it was because my cash deposit was pending when my car payment went through, which is totally false. My "available" balace said it was $800.00 and when I talked to National City they said my "available" balance does not include any pending items. I talked to 6 different people in one phone call that lasted 90 minutes that got me absolutly nowhere. They in no way had any intention of refunding my overdraft charge until I went to my brach to close out all of my accounts. They promptly refunded my overdraft charge, but to their surprise I closed my accounts anyways.

Kirk
Cincinnati, Ohio
U.S.A.

This report was posted on Ripoff Report on 03/23/2006 09:20 AM and is a permanent record located here: https://www.ripoffreport.com/reports/national-city-bank/cincinnati-ohio-45245/national-city-bank-overdraft-charge-when-balance-was-never-below-0-cincinnati-ohio-182863. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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