National City Bank Complaint

amandanorris26 says: (7 months ago)

 0

National City Bank is the most unethical bank I have ever had. They have dishonest practices that lead to making money off their customer base. Examples that I have experienced is that they deducted from my balance immediately for any pending charges before they have sent the money. They also hold deposited money until the next day in order to give unecessary overdraft fees.
National City programs the processing system to take the smallest charges last in order to give the highest number of overdraft fees as possible.

I was not even negative in my bank and had 2 deposits entered into my account leaving me with a positive balance. However, they switched around the dates in order to give me 5 huge!!! overdraft fees. That evening when they processed everything National City took out the large charges first, then all the small ones, and then processed my deposit (but before doing that they took out 5 overdraft charges for my 5 smallest transactions that took me into a negative balance). I wasn’t even negative in my bank and I check my account constantly to try to avoid any issues. I am left with little money to pay the necessary bills I need to get by and am seriously thinking about not using any banks at all anymore. I really think I would be better off writing money orders and keeping the money I work so hard for in my pockets instead of being tricked by the banking system. There has to be something that consumers can do to get this process changed because it is so unethical and I know I am not the only person who goes through this on a regular basis. So far in my experience of banking (even though the others are terrible as well) National City Bank seems to be the worst. I highly recommend never getting an account with them.