National city bank Complaint - 588% interest - Checking Account

Posted by Ponie on 2006-10-12:

Doesn't matter if you're overdrawn two cents or $2,000--overdrawn is overdrawn. I agree the fees are high. I recently got their new list of fees, also. One difference between us though. I keep my check register current and if I ever got to the point of where a $.02 error in math might slug me with a high fee, I just don't write checks until I have a cushion. I think it 'sucks' that people can't add and substract!

Posted by rhondam718732 on 2006-10-12:

I have to admit I cringe when I read unfair complaints. Your analogy is similiar to being a "little" pregnant...either you are overdrawn or you aren't. Banks don't set an amount they are "ok" with you being overdrawn and they shouldn't

Posted by Slimjim on 2006-10-12:

Bigbang, if you don't have a history of overdrawing your account, they really should waive the NSF fee even though they don't have to. If you haven't already, you should be making a call and asking for a break here. If you've gone over before though, your going to get socked every time thereafter.

Posted by bigbangerik on 2006-10-12:

its not that im writing checks without a cushion, i dont even use checks. its that i budget every penny, and i guess two of them got away from me somewhere

Posted by Sparticus on 2006-10-12:

I agree with slim. I would kindly notify them of your accounting error and ask if they can waive/refund the fee. If this is your first offense, they will probably do it.

Posted by bigbangerik on 2006-10-12:

i just think that banks should charge a percentage, not a flat rate when it comes to overdraft fees. instead of charging me $34.00 for two cents, charge me 2cents!

Posted by shawnp80 on 2006-10-12:

Erik, You know what they say in Russia............................. Tough $ h-i-t-s-k-y

Posted by MollyDolly on 2006-10-13:

wow JayD you are mean to everyone here

Posted by bigbangerik on 2006-10-13:

no, it costs them two cents, then they make a nice little profit off my 2penny mistake.

Posted by Lidman on 2006-10-13:

bigbangerik: I agree with your post and would only add that it is a computer, a cold hartless, uncaring computer that charges you the overdraft fees. That's how they get rid of the human factor, you know people like JayD, I think he works for the IRS?

Posted by UVsaturated on 2007-07-24:

The fees are high, which are bad enough, but NCB is not justified in changing posting dates for debits, which they do exceedingly well to create the most overdrafts as they can. I purchased stuff at Wal-Mart on a Wednesday, and it was posted on my account that day. Then it became pending again and more debits came in. I knew one would be overdrawn, but NCB rearranged all of them largest to smallest so that one Overdraft becomes 3 or 4. My Wal-Mart purchase eventually became a debit for 5 days later. Is that fair to charge someone $34 X 3 when by all means it should only be one?

I have created a special website just for National City Bank:

http://natcitysucks.proboards52.com/index.cgi

Posted by Tjalsma on 2007-12-28:

I think it is fair. National City, as well as many other banks, really on you using YOUR money to purchase items and pay bills, not THEIRS.

Imagine if everyone that had an account with them made "budgeting errors" every month by just a few cents...

They have to charge a fee to stop you from doing it or else most people on earth would just over-draft and be fine with it.