National City Bank Took Payments not posted to account(s) Dublin Ohio

In a government sponsored moved from Columbus, OH I asked my realtor what banks she might suggest that I get a mortgage with; after a number of phone calls I received information from three or four mortgage lenders/banks in Cleveland.

I decided on National City as they could service my mortage, MC/Visa card and had online banking. We picked out a house in Lakewood, OH and proceeded with the mortage with National City. I transferred current funds from a credit union to National City to open a checking account, savings account, credit card, mortgage and a debit card. My mortage counseler (Scott Gaskins) ASSURED me that I would be able to make bi-weekly payments.

When I opened the account, in Columbus, Amy Searies, an assistant manager of the branch I was working with, showed me how to make out the bi-weekly payment slips, where to send them, amounts, etc. I also received from her my debit card and also the applied for credit card. So, now I have all my banking services with National City and I am off to Cleveland.

My first troubles began when I began using my debit card: I used it for EVERYTHING: groceries, gas, entertainment, buying off the internet: you name it. However, my third day there, while shopping for groceries, my debit card was declined. I could not understand, as I had transferred over $ 10,000.00 into my checking account at National City two weeks earlier; there was no way the card could be declined with that kind of balance.

I called National City from my cell phone while standing in the store line (luckily I had my briefcase with all my banking information) and asked to speak to one of the persons I had dealt with before. I finally spoke to someone, don't remember the name, and she advised that my debit card limit was set at $100.00 per day for the first six months as I was a new account holder.

I asked her to check my balance in my account; she said that there was over $ 12,000.00 in the account. I ask her how in the he-l could they put a limit of $ 100.00 a day on my card when my entertainment bill for an evening out could well, as usually was, over $ 100.00 !!! I asked to speak to a manager and they agreed over the phone to raise the limit to $300.00 per day.

Then came the online banking. I was looking at my deposits to my mortage and comparing them with my checking account; the deposits were made to my mortgage up to two weeks AFTER the checks had cleared. After many letters and phone calls I finally refinanced (at a lower rate) with my local credit union.

To top everything else off, I was so mad at getting my final bill for my charge card, that I overpaid $ 13.95 (or so)and have the last statement indicating a credit balance. That has been about two years ago. Do you think that National City has offered to refund the overpayment? Not on you life.

I keep getting information from National City for loans, checking, etc. I kept on returning them with letters/notes to be opted OUT of their mailings. I finally wrote a 'nasty' one to the Chairman of the Board, with copies of the previous requests to be taken of their mailing list. I have not received anything for a couple of months now, so hopefully, I am finished with that non-service bank. Don't under ANY circumstances, attempt to have any busines doings with National City Bank or their Mortgage Company. You will be sorry that you did.

Robert
Lakewood, Ohio
U.S.A.