• Report: #385857
Complaint Review:

National City Bank

  • Submitted: Wed, October 29, 2008
  • Updated: Thu, January 08, 2009

  • Reported By:Pullman Michigan
National City Bank
131 N Main St Plainwell, Mi 49080 National City Holland, Mi. 12353 James St., Michigan U.S.A.

National City Bank being unfair, James St. Michigan

*Consumer Comment: Scammers know the banks release fund before the check clears

*UPDATE Employee: funds

*Consumer Comment: You were ripped off...

*Consumer Suggestion: Wait until checks has been posted first.

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I was selling puppies on the internet I receied 2 checks we put them in the bank, the next day they were posted, the next day the money was available.Checks total was $6800. They never said a word to us. The checks were out of state.

Now we never kept that much in the bank wr don't have that much. Since then I have received$12800 . Then they called after I took the money out of the account and a said they were frauds. The checks came from Suntrust Bank, 14425 Miramar Pkwy Miramar, FL. 33027. Phone # 954-432-6085. They also have Batchgrc Wireless, 11551 circle, south Miramar, Fl. 33025.

The bank told me they were frauds and they can not trace them. The bank said I am responsible for $4500 and some odd cents. I call there fraud department I said I had proof that the money was available. They told my husband the reason they did that because we have been consumers for long time, but they know we never have that kind of money in our account.

The guy from the fraud department said you have proof, but would say no more. The general public does not know how long a check takes to clear. Or to tell if it is a fraud. They should of held the money until they fround out. Is there any way that I can fight this?

I have tracked down the one, I have his IP address, the other one work for google. The FTC, FBI, Federal Marshall office out of detroit. I have not heard from any of them. The loclal police depart will not return my phone calls The one guy claims to be deaf. I ask the government if they could get a phone line and see if they could trace the call
Kind Regards,

(((email redacted)))

Pullman, Michigan

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

This report was posted on Ripoff Report on 10/29/2008 01:48 AM and is a permanent record located here: http://www.ripoffreport.com/reports/national-city-bank/national-city-holland-mi-12353-james-st-michigan-49424/national-city-bank-being-unfair-james-st-michigan-385857. 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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Updates & Rebuttals

#1 Consumer Comment

Scammers know the banks release fund before the check clears

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

Banks usually put a temphold on checks then releases them even if the check has not cleared yet. It takes about 2 weeks before the checks officially come back as bogus, but the bank has already allowed you to take those funds from the account.

Its like the Lottery, Sweepstakes and Mystery Shopping Scam checks - the scammers tell you to wait for the check to clear then wire them the money - so they can steal your money from you plain and simple

Next time you get checks for that amount - you can call the banks the checks are from and ask them to verify - Your bank can also do it for you - BUT YOU HAVE TO ASK FIRST - without depositing them.

I suggest you read the information provided on the Federal Trade Commission Wbesite about counterfeit checks
Giving The Bounce To Counterfeit Check Scams
How to recognize, avoid, and report counterfeit check scams.
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#2 UPDATE Employee


AUTHOR: Bankworker123 - (U.S.A.)

Per your account agreement it clearly states we are your collecting agent only. We have no way to verify if the checks are legit or not or how long it will take to clear. Could we call the bank on every single check deposited, yes but then the teller lines would be out the door, literally, consumers can actually do this themselves. When you endorse a check you acknowledge receipt and liability legally. So no there is nothing that can be done
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#3 Consumer Comment

You were ripped off...

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

But not by the bank.

You were ripped off by scammers. By any chance, did the person who sent you the checks request that you send some of that money back to him or to someone else?

Banks often make funds available for some of their customers before the check clears. If it turns out that the check is fraudulent, they can simply reverse it. As the account owner, you are responsible for what you deposit in your account. The bank is absolutely correct in this matter.

I do wish you the best of luck. I don't like to see people get ripped off but you should focus on the people who scammed you.
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#4 Consumer Suggestion

Wait until checks has been posted first.

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

When depositing your checks, I do agree that your bank should of held those checks up to 10 days (depending the amount and if out of state).This would of not caused you any grief. When depositing a check into your account, it will show as part of you account balance, but not ready to use until it is posted.Was it posted to your account? Only then can you use it, not before. Since the checks are fraud and you did use the money, I am afraid that you do owe the bank back their money..I have never ever seen a bank not put a hold onto a out of state check..It's for their protection and yours..But remember that National City is going under, but it's the same with all banks..There is state and federal laws that has to be followed by all banks.
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