National City Bank

Item added by Willie A.. Added on 11/28/2004
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68 Reviews

bsan3
06/04/2009

National City Bank 1

Horrible customer service! I don't care how much or how little a customer has in their account, you should never stand up for being treated like garbage by your bank! I made a purchase online and the retailer had an honest to goodness issue on their site resulting in me being double-charged. I contacted the retailer immediately, they apologized and assured me I would be issued a credit instantly. I saw the item cancel but didn't see any credit back to National City online within a couple hours. I called NC's support and the CSR was very helpful and advised me to simply get the authorization number from the retailer and they'd be able to instantly credit me. I got the authorization number and called back with roughly 10 minutes before they closed -- this time, the CSR was very hostile. He kept stalling and finally pulled up the appropriate information. After asking me to hold for a couple minutes and telling me he couldn't find any charges (although the previous rep did so in under 10 seconds) he states "Oh, I found the issue here. Unfortunately, we're now closed. Call back tomorrow, hopefully you won't overdraft." He ended the call.. Needless to say I will be closing my account and moving back to my local bank (which had fewer services but GREAT CUSTOMER SERVICE) It cannot be said enough about these people at National City...HORRIBLE CUSTOMER SERVICE! Once they get their money, they will shit all over you.

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Ashlizzle07
05/06/2009

National City Bank 1

If I could give this bank negative stars, I definitely would. They charge you overdraft fees on things that have not even been posted to your account! I made a charge on my account and received overdraft fees for it when it wasn't even posted to my account yet! It was a charge, not a debit, and I talked to customer support, who was very rude to me like usual, and they said that charges now get sent to them right away and it's not their fault. I explained to him that I lost my job, I'm on limited income, and really needed help and he said "it's not our fault" and refused to help me. This bank can shove it. This is one of SEVERAL occurances I've had with them. They mess up accounts like crazy, they charge you tons of fees for nothing [like when my brother got below like 10.00 and hadn't used it in a while and they charged him 7.00 every single day until they over drafted him and charged him hundreds because he just hadn't used his account in a couple months], and they charge you overdraft fees on charges that are LESS than a dollar and if you have several of them you get charged 38.00 A PIECE for them and they refuse to help. About 5 years ago or so i had to pay them hundreds and hundreds of dollars because of small overdrafts. I'm so tired of this bank. I'm switching next week. THIS IS THE WORST BANK!

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misspriss19732 000
04/22/2009

National City Bank 1

Hi all you really need to read this we went to atm to withdrawl money from it and it made a grinding noise spit out the paper which said it gave us $420 and gave us no money at all when my man went inside and seen alady which was the branch manager putting money in the atm then she came over and said since we dont bank with them we had to call the number on the back and dispute this which after all said and done it will take 30 days to dispute this even though on the back of this card it says national city on it ,,, nothing like the banks trying to get over on people... i have spent hours talking to the people i needed to try to speed the process which doesn't look like it will,,, but we got the police and bbb and attorney generals office and was told to take them to small claims ya know this is just sad how people are this day and age we all have enough we are going through to even having to be dealing with such i will say this lesson learned never bank with national city and take very lil out when i go to atm and be from our bank,,, oh and to let you all know how bad it is they said that they have no video lol ok and the balance sheet was perfect whoever hit the jackpot i bet it was perfect for them but for us we needed our money in the worst way and to be done like that was amazing i also think the only way we can get tape by what we have been told is to take them to small claims court!!!

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sandman206
04/03/2009

National City Bank 1

Bank of Thieves is more like it!! I had a positive balance in my account on 3/31/09 and was charged eight overdraft fees at $34.00 apiece. After all of this I still had a positive balance and a day later was charged an additional five overdraft charges for a total of $442.00 of overdraft charges on my account despite never falling below a zero balance. They couldn't explain it over the phone or in person but offered to have a specialist call me back in 1-2 business days. How nice of them. They steal $442.00 of my money that I trusted them with and refuse to talk to me about it!! If anyone has had similar dealings with this institution, please e-mail me and tell me about it or post it here. I am considering a lawsuit and would like some other instances to show its not just a one-time error on their part.

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Jorell
02/13/2009

National City Bank 1

This is the most kniving, thieving bank I've ever had the displeasure of dealing with. They will do whatever they can to get you to overdraw. They will keep a fee pending until your account is low enough that it will cause you to overdraw, and then pull the money! Then they will charge a $36 overdraft fee and another $8 A DAY! They will sent you a notice in a letter, and who knows how long it will take to arrive! Do NOT OPEN AN ACCOUNT WITH THIS BANK AND ALWAYS READ REVIEWS!

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monica82198
12/17/2008

National City Bank 1

RUN while you can! I asked someone there about my fees and was told I would not be charged untill the item causing me to be overdrawn posted to my account..Well the day before it posted I was charged over $200 in fees, When I called to ask why, I was told becasue there was an item pending. How can they charge me a fee on something that is not even posted yet?? Now I have to pay back hundreds of dollars. As soon as I get that taken care of I am done with this bank!!

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killerisme107
12/12/2008

National City Bank 1

By far the worst bank I've ever dealt with. They promised me overdraft protection countless times and STILL charged me $36.00 for every time I overdrafted. Also those reward points are absolutely pointless because they never give you anything as promised.

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National City Bank 1

If I could give zero stars, I would. I finally got my priorities in order and joined a credit union with not nearly the hassle of a bank. National City NEVER ceased to amaze me, as far as what they were able to get away with and how bad they took advantage of everyt opportunity to trick me into every charge they possible could. They are definately crooks, as many banks, but National city is one of the worst! Not to mention lack of availability of customer service and poor store hours, very unfriendly and they have a policy of doing as little as possible to make a customer feel appreciated. STay away!!

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engthor
11/26/2008

National City Bank 1

Terrible bank!! Customer service rude and abusive! No corporate headquaters to resolve issues! Issues being constant taking in and out of your account. When presented with documentation, start the stare-down, sarcasm and prevarication.

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GodLuvsMe
11/11/2008

National City Bank 1

This bank sux! I banked with them for over 10 years, never overdrawing my account. Suddenly, I made ONE mistake with my account and they started holding my debits and overdrawing the account right before every payday. It would take them 2-3 days to post any credits and would send through all debits first. I dealt with this for 2 months before leaving and going to Commerce. I never been happier (or richer)!

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jak31379
11/01/2008

National City Bank 1

I have been with National City for over a year and a half now. I left Citizens Bank part of the RBS (Royal Bank of Scotland Group) cause Citizens screwed me with over draft fees when someone stole my account info from a paypal transaction that i did for ebay. In the time i have been with National City anytime i would get and over draft fee the tellers would refund me for the fee cause anything under a $1.00 to get a 36.00 over draft fee is just crazy. They will work with you. I will say there rates on there Loans are so high it could kill ya with the payments in the end. But they have dont nothing wrong in my book. Branch wise. As for the customer service department when you call there 800 number there a bunch of dipsh*ts. They can be the rudest people. I called to report my Visa check card stolen and cause i have two on my joint account i needed the number they said. I told them i didnt have the number just to cancel both for safty. they said they didnt have to cancel both that i was stupid for letting someone pick pocket me. Sorry i didnt know it was against the law for someone to be a victim of a pick pocket. there customer service department and call center which is located In Northshore, Pittsburgh Pa behind PNC park. you can see every one of them Cracked headed, Nappie haired, smartmouth, uneducated bastards walk out. They are the rudest people and ther eonly being paid 7.35 and hour. they ahve no reason to be rude cause there benofits package is out of this world. I am glade PNC bought out National City. I was wondering how long it would take this bank to go Titts up and it went Titts up fast. Bloody bastards need to all be fired and let PNC have it all. I ready to see my checks with the PNC logo on it now.

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Sweetbaby368
10/17/2008

National City Bank 1

NEVER EVER bank with National City. For about 3 months I had never had a problem with the bank. Until I get a call that someone had received my first and last name AND my SOCIAL SECURITY number on a piece of paper handwritten that came in their mail with their checks and bank info. That bank could have ruined my entire life if it had gone in someone else's hands. There was NO EXCUSE, that my PERSONAL information went into someone else's mailbox. PLEASE for your own sake DO NOT BANK WITH THEM. If it can happen to me, it can happen to you. They don't keep your information private and aren't a responsible bank.

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stanski68
10/09/2008

National City Bank 5

Ntional city does have an account you can add to your checking acct. It works like a credit card and deposits money in $50 increments whenever you go over, then it just charges you interest until you pay it.
It even automatically makes the minimum pmt if you forget to pay it yourself. I have been with Nat city for over 10 years with this acct. Anyone who has ever had an overdraft fee should have one of these accts, no more worries. Banks do make money on fees, they are in business to make money. Get one of these overdraft protection accts, best thing I ever did. PS Sorry,you do have to pay the money back!!! and the interest is high, but not as high as overdraft fees, just pay it ASAP.

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jessy95
10/08/2008

National City Bank 1

They have fees for everything if you bank with them make sure you keep track of your account. They make there money by charging extra fees. If you overdraft by 1 dollar you could end up paying 300 for it if you don't check your account. They like you to overdraft I think they may make more money on that then their credit cards. National Shitty is what we always called them and I think everyone else does too I changed banks recently and am very happy

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Bethzy
09/10/2008

National City Bank 1

Wow, I wish I wouldve read all these complaints before opening my account at National Shitty. I've been drowning in overdraft charges for "pendit debits" that are supposed to be instant. I made a debit paypal charge on september 3 which took .64 cents out of my bank account and IT DIDNT CLEAR UNTIL SEPTEMBER 10TH. WTF?! BAM $34.00 nsf fee for .64. Wonderful!! I would make deposits at their own branches ATMS and they would take 48hrs or more to even post on my account?!!! This is instant at otherbanks... what are they holding the money for? I would get charged a nsf but the charge that caused it would not show on my online statement. I'm very responsible when it comes to money and I'm very dissapointed in their practices. Debits would clear, and then dissapear. SOMETHING IS Very shady here.... Every day you're late on that overdraft charge they slap you with a $8 fee EACH and EVERYDAY. THEY DIDNT MENTION THAT WHEN I OPENED MY ACCOUNT A MONTH AGO NOW DID THEY?!! nope. They gave me a little plastic piggy bank as a gift and I was on my merry way thinking everything was good. I'm closing it as soon as the nsf fees are paid off. buh bye national city. never again. The only thing you have to say about yourselves are free atm fees, and youre not even worth that. Don't open an account here!!! run AWAY fasttttttttttttttttttttttt... trust me. I learned the hard way and now im paying for it, while the big guys are as happy as can be.

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CShaffer
08/12/2008

National City Bank 1

I have had my account for four months and it is the worst bank I've ever done business with. I was also told by TWO different representatives that I shouldn't go by what is on the online banking account because they are always wrong. Well, if you know this National City, CHANGE IT. There is a lot of shady mess going on and they can close my accounts they will not make any more money off of me. So far, in four months they have made about $800.

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Fred55
08/04/2008

National City Bank 1

National City closed my HELOC after 2 late (not missed) payments. They have a very rude and ignorant customer service department. The payments were both just 1 day late! Time to change banks. I hope they go belly-up!

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Jullya
07/22/2008

National City Bank 1

We have had horrible experience after horrible experience from National City. We have noticed a dramatic decline since their merger. There is no stablity in personnell, the attitude within different branches is consistant....who cares!

We have 2 checking accounts, several savings accounts a money market, IRA and business account which we are moving to another bank.

STRONGLY suggest that consumers pass on this bank.

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DailyGrind
07/16/2008

National City Bank 5

National City acquired Mid-America Bank, where I had a CD. I was able to renew the CD at an extremely favorable interest rate, so I opened another smaller CD a few months later, at a high-interest "manager's special". The account rep made sure I received the advertised rate, when, initially, it did not come up on the computer. I did not renew a larger CD with Harris Bank, so that I could open a third CD with National City Bank. The same account rep whom I had on the two previous transactions, discovered that my beneficiary information did not transfer over from Mid-America Bank and asked me to e-mail her with their information.

Yesterday, I e-mailed her about the penalty assessed on withdrawing some money from one of my CDs to keep my total business within FDIC limits. She did so.

My account rep came from Mid-America Bank originally, so perhaps, her competence and consideration is just part of her previous training, but I have had no reason to complain about National City Bank.

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NationalCitySu cks
06/15/2008

National City Bank 5

National City Bank is the single worst bank in the history of banking. There is no company that so callously treats their customers as Nat City.
Recently, I had this experience. A relative wanted to go to the funeral for her grandmother but had no money. I felt bad for her and did for her what I would want someone to do for me. I paid for her plane ticket. I had, at the time, an available balance on my card of $270 but the finance fees were due to be added in two days. On Sunday I purchased the ticket. On Monday, I visited a Nat City branch and paid again on my credit card ( I had already paid it for the month but I didn't want to go over when they added their monthly finance charge on Tuesday). Making my best guess using last months finance charge, and paying that amount, I still went over by $4.08, yes, four dollars and 8 cents. I was promptly charged their $39 over the limit charge. Ok, so still, whatever, they're a bank, they're going to make their money anyway they can and take advantage of any small error you make. Most banks do that. Here's the part where Nat City showed what a bottom of the barrel pack of creeps they really are:
The following Sunday, today, I get an email from my credit monitoring service "there has been potentially negative information posted to your credit bureau". I log on to their site and guess what, National City posted, to my credit report, this $4 overage as negative reporting. My card has an $11,500 limit. So, for exceeding my credit limit by .0003 percent ( 3/10,000th of one percent) National City gave me the only negative credit reporting I have had on my account for $25 years. No other bank has ever done this to me.
This is the single worst organization I have ever encountered (possibly, only besides Paypal corp)

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NCSux
05/19/2008

National City Bank 1

This is possibly the worst bank I've encountered. I deposited a $500 check and waited 2 days before I used any of the money. To my mistake, I thought (like most banks seem to accomplish) a check will clear in 1-2 business days. No! Not with National Shitty. Instead of crediting my account for $500, they debited my account and then had the nerve to charge me $32 overdraft fees THREE TIMES. I immediately went to my branch here in Michigan and this evil wench actually sat behind her desk and argued with me that I was not responsible enough to have an account if I don't know how to handle large sums of money.

She also told me that kids have no reason having checking accounts. To her surprise, she found out I wasn't a kid. I may look young, but age discrimination is a big NO NO in my book. Being a recent college grad. with a degree in Accounting, she messed with the wrong person. Needless to say, I dealt with another nice lady who credited all the money to my account and then I quickly withdrew all of it and ran.

National Shitty is a scam of a bank. Their online banking is the worst I have ever come across, they post items and then magically they are gone the next day until they post them again just to make some money. By far worst bank and customer service. They should be ashamed of themselves, but they are loving the illegal money they are rolling in. Until it catches up to them someday...Karma is a Bitch.

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MaxJ
05/13/2008

National City Bank 1

I've recently moved to the state of Indiana and have been looking for a local bank to do business with. National City Bank has a branch closest to my home so I made the decision to use them. Fortunately, I came across this site before I went through with it. I've dealt with scumbag banks before so it is not difficult for me to believe what the majority of their customers and former customers have had to say about their experiences with National City Bank.

Customer service personnel of all large companies, treat us consumers the way they are TRAINED to treat us. They get paid to do a job so I don't hold them accountable too much. They have to eat too. The Presidents and CEOs of companies like National City Bank are the predators. They are driven by unadulerated greed. They are the ones who scheme to create the unscrupulous policies, practices and tactics which are designed to financially rape and pillage in the communities in which they operate. All this, while THIS administration turns a blind eye. They are just as bad, or perhaps worse than the criminals at Enron ("the biggest contributor to the Presidential campaign of George W. Bush") and should all suffer the same fate.

Needless to say, I am so happy to have come across this site. I will gladly travel the extra few miles it may require, to find a local bank that doesn't intentionally manipulate transaction sequences or delay clearing deposits, so as to force their customers' accounts into overdraft status so they can milk them of all kinds of penalties and fees. What is this country coming to?

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robamjac1
05/10/2008

National City Bank 1

They are horrible! They closed my HELOC because I was 10 days late on a payment... my first late payment, and only by 10 days. So, rather than give them interest payments, I refinanced, paid off the balance and THEY charged ME a $350 early termination fee! How is that possible? They closed my account. All I did was pay it off and they they whammy me with that fee.

And, I agree, their customer service is horrendous. I've emailed, been on the phone... no one seems to be able to tell you anything useful.

If there was an option for a negative star, that's what they'd get.


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James1966
04/07/2008

National City Bank 5

National City is the best bank I've been to, never had any problems and when it said i was over drawn like $150.00 they credited my account $150.00 + $50.00 for the inconvinence. I dont know which national city you all bank at but the one i bank at has the best service i have recieved from a bank.

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mnielsen90
04/07/2008

National City Bank 1

piece of shit bank. Hidden fees, terrible customer service. I bank with Chase. I understand having to charge fines and such when people make mistakes, but at least Chase has a vast communications program that will let you know when you are overdrawn. Unlike National City who will keep it a secret from you on purpose so they keep bilking you for money.

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tony4mortgage
02/17/2008

National City Bank 1

National City will be reported they stole an ATM deposit for $871 i know i deposited it they said i deposited an empty envelope ...i do not bank with this piece of shit bank i use the star network to deposit near my home ....my bank knows its obsurd and i have plenty of cash otherwise....they have touched the wrong person i am in the banking industry and heads will roll come tommorow....the reason they stole it was for one of the checks was made out to cash and i have it logged at my store.....they are thieves

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NtlCtysucker
02/08/2008

National City Bank 1

This bank is a joke and is being run by a bunch of used car salesman. My son while serving in Iraq used his debit card to make a 3.00 purchase. Despite having funds in the account, there was a hold on 50.00 due to an error at a gas station. They charged his wife for what she bought, and put a hold on another 50.00 even though she did not use the pay at the pump feature. National City claimed he was overdrawn, 82 cents on his 3.00 charge. They saw fit to hit him with a 34.00 fee and then started the 8.00 per day charge for the next 3 weeks before he was even made aware of it. His .82 cents has now cost him close to $200.00. You people should be ashamed of yourselves. The branch manager in Traverse City, Michigan claimes there is nothing she can do if this is not the banks mistake and that he should have called earlier. Sorry he has been a little busy in a combat zone. My wife and I have over 500,000.00 in CD's at National City Bank and will be transfering them to another bank before the sun sets here today. You may have won the battle but you lost the war.

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scarl96
02/01/2008

National City Bank 1

National city needs to do what makes sense and that is take transactions out in the order that they occur, not largest to smallest! That's bullshit! For instance, I had $65 in my acct. and paid a bill for $50 by check, leaving me with $15. Then I deposited my paycheck and paid another bill for $80. The $50 was pending one day, then the next, the $80. But when I looked at the dates, they had switched which amount was coming out first! Yes, they took my 80 first, which put me negative for the 50 coming out. What happened to my paycheck and why didn't it count? Because National City is the worst [email protected]*#%ing bank ever! If everything would have been done in the order that it happened, everything would be fine. If anyone banks with NC, you need to change, they will do nothing but screw you in the ass! And no, they will not lube up first!

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sarahgrace
01/14/2008

National City Bank 1

The on-line banking offered by National City is horrible. I used to love the ease of being able to transfer money from my savings to checking and vise versa. However, recently the on-line banking allowed me to transfer money from my savings account that wasn't actually there, even though it said there was money in the account. My husband went to the bank to ask about the situation and they told him that the on-line information is not always the same that they have at the bank. Why would you offer a service if it's not kept up-to-date and if it's not reliable? I am going to switch banks as soon as possible.

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suzukijess
01/11/2008

National City Bank 1

I absolutely despise..no LOATH doing business with

National City

. They are completely incompetent and their answers always seem to be. “A… DUH I don’t know????” I feel like I am talking to a bunch of brain dead monkeys when I call them. I have had an account with them for some time now and they are always ALWAYS screwing me over one way or another. This time they locked our account and just decided not to let us know!!! We didn’t receive a call from them stating they were going to do this to OUR account, we had plenty of money and there was no apparent reason that the account would be on hold, lock or whatever. So we went to a National City Store front to ask about this new slap in our face…and guess what the answer was ….”Ahhhh well hmmmm I don’t know why this happened …and I cant tell you since I don’t have access to that information…so I DON’T KNOW!!????” Surprise Surprise !!!! So we had to go home and call a new number, sit on hold, sit on hold some more, and then finally we got a human voice and had to explain the whole thing AGAIN! Now the people we had to call about the lock on our acct. didn’t work directly for

National City

but they did business so (silly me) I was hopefull for an answer besides I DON’T KNOW….Well come to find out that was the answer all along. They did manage to have enough brain stem to unlock our account but sadly they didn’t have the where-with all to know why it was locked down in the first place.   We BARELY got an apology for the whole ordeal and what really gets me is did we get to charge them a $50 Dumbass fee??? NO no we didn’t but did they charge us a fee when because the acct. was locked we got an over draft fee????? Oh oh yes they did!!! A DUH!!!!! Please please for the sake of your sanity never ever EVER do any business with National City or any one who associates with National City. You  might as well just hand your money over to a poop slinging baboon  and let them at it (at least you wouldn’t get over draft fees)  I have lived and learned that obviously no bank is perfect and that most every one is out to royally SCREW you over. But please learn from my mistake and clear steer of

National City

.

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Jschlich
12/26/2007

National City Bank 1

25 year customer with National City....until this month.

National City hit me 4 x $32 = $128.00 for anticipated overcharges. Branch Manager credited $32.00 with the comment, I see those kind of charges and transactions more and more.

Screw them.....opened a new account with a true community bank. Moved $7,000.00 out of National City CD's and added $20,000.00 plus for CD's at the new bank.

My loss = $96.00.

National City loss...they don't really care.

I feel good about this!

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Upsydaisie
12/24/2007

National City Bank 2

The people at National City Bank in Grove City, PA are very polite and even patient. On my birthday, three days before Christmas, I sat in a dark room next to a heater by myself. I was devastated for what losing $34.00 meant to my family. By virtue of an overdraft of .35 just prior to my husband's direct depost paycheck at midnight, I was charged $34.00. I have been ill and trying to keep out of the hospital for my children over the holiday. I can't see leaving my family with $40.00 left over from more bills than Christmas presents for my family to care for themselves until the next paycheck. They could certainly use the $34.00 alot more than National City. People don't care because they are governed by "The Rules" of their big institution. Little people don't stand a chance against them.

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tnadeck
12/19/2007

National City Bank 1

Terrible bank, terrible service. They charged me 8 overdraft fees in one day because they posted my check after my debits. They couldve easily paid 7 of those charges and charged me on overdraft fee, but it is their policy to charge largest to smallest and thus maximize the opportunity for charging fees.

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danja75
12/03/2007

National City Bank 1

Nation city bank has charged me 4 oveverdraft charges(ODC) $34.00 each for 4 pending transactions that posted the same day Nov. 26 2007 when I had money to cover 3 of the pending transactions! These transactions wasn't made the same day, but posted the same day! I contacted the bank and talked to 1 of the tellers and she told me it's National city's policy that when 4 transaction post at the same time you will get 4 different overdraft charges! The charges was an total of $108 and some change, I had exactly $107.88! Three of the transactions should've been paid for, which I should've only had 1 (ODC), not 4! I went to the bank and the manager could not show me on paper where that was National City's policy! I told him that they was stealing from me! Once they took they money out , they pending items went through! You see this is right around christmas, HUM BUG!!!

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krcooper37
12/01/2007

National City Bank 1

well me and my friends both have checking and savings account with national city bank she went to cash here check to find out her checking account was closed and she just opened it up 2 weeks ago and she had not even used it yet not even wrote one check. and i found out that they closed my savings account and when they did these to both of us they did not even notify us that the account had been closed and my saving account was only 1 week old so if you are thinking about going to national city bank i will tell you DO NOT GO THEY SUCK

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merley
11/28/2007

National City Bank 5

Outstanding customer service and friendly people who actually take the time to explain banking products

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ally1010
11/07/2007

National City Bank 3

wow. I wish everyone would quit complaining! Do you not receive terrible service just about everywhere? It's reality. People are rude and businesses have crazy policies that benefit only themselves. Go ahead switch to another bank and more than likely a few years down the road you'll be saying the same thing about them.

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aleister
11/04/2007

National City Bank 5

National City "lost" a $60 cash ATM deposit, did not notify me that the deposit, which had been credited, was now subtracted from my account, and then charged my account $200 in overdraft fees for several small debit charges that totalled about ten dollars. Coincidence --the deposit was a cash deposit and they claimed that it could not be found. I find their practices highly, highly suspicious.

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gillee
09/07/2007

National City Bank 1

I have been a customer with National City for 10 years now and I don't know why so long. I am surprised at the comment below about reversing overdrafts, because it has never happened to me, even when it was the bank's fault. The straw that broke the camel's back was a call I made to customer service a couple days ago. I had canceled a few of my recurring automatic online bill payments a couple weeks ago, and to my surprise when I checked my account a couple of days ago the payments still posted. The customer service rep told me there was nothing she could do, and then told me that I was making it up because National City never makes mistakes with online bill pay!! I have worked in customer service for years and I would never even imagine telling a customer that they were a liar and my company is always right. If anyone has a suggestion of a good bank in central Kentucky, please let me know!

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Georgetown2232 32
08/24/2007

National City Bank 3

I live in Georgetown, KY. I applied for a home equity line of credit. I thought I had good credit. I have recently purchased a home and new car. I have over $100,000 of equity in my home; however, somehow some collection action showed up on my credit report--things I don't know about and must be cleared--in other words, some sort of mistake. National City, who got over $150,000 worth of handling my money last year, denied my loan request. I understand that the credit rating hurt my application and I that it must be repaired (I have to dispute the stuff and it will take at least 30 days to clear up) before they can reconsider my loan. But what I don't understand is WHY IS my local bank manager now RUDE to me! Jane, you really shouldn't burn bridges by being rude to your bank customers!!! I'm so disgusted that I'm ready to switch banks!

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Oedipusauras
08/22/2007

National City Bank 4

I'm starting to realize that there is little, to no, point in wasting my time investigating services or businesses on these "review sites".  The only people that take the time to post on them are people with grudges.  Nine times out of ten, the issue or problem was generated by the person's ignorance to a situation or policy.  For instance, I've been a customer of National City Bank for over ten years and not only have I not had any problems...I've even had overdrafts reversed.  As a long-time customer service employee for several companies- I can say that it's truly sad that the only time anyone takes the time to comment is when there's a problem.  Very sad.  No, I don't work for NCB nor does anyone I know.  I'm just irritable and frustrated with the unsubstantiated negativity found on this site as well as others.  Yes, banks make mistakes...CSR's are rude...managers say/do dumb things...but that is NOT always a direct reflection of the institution/company's policies, procedures or tactics.

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pulcinijo
08/13/2007

National City Bank 2

National City has wonderful face to face customer service. But I called about a strange charge on my account. I got 3 differing answers from their phone agents. I am appalled. I have had good relations with the bank for some time now. But it's time to call it quits. They just are too big.

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denbeath
07/31/2007

National City Bank 1

National City Bank is awful. I have had several problems with them. long story short, I incurred overdraft fees. National City took the money from my son's account. I paid my son back, we both closed our National City accounts and changed banks. National City got their fees paid but now they are attempting to collect the same fees from me again and my son. I personally know 5 other people who have had similar experiences with National City and left them. Unethical Bank. I give National City a BIG ZERO

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beehappy
07/28/2007

National City Bank 1

What a wretched bank, with robotic and impersonal policies!!! As a 8 year customer, I'm closing every single account, loan, credit card and mortgage. Their latest scam was to hold our tax return check of $2300 for 3 weeks because it was an "out of state" check. We confronted the manager and they admitted that they would have been happy to just cash the check for us and let us deposit the cash, but blamed us for not thinking of it. 5 checks bounced, at $34 each then they charged $10 for each of the 5 transfers that they took from savings. They intentionally manipulated the drafts so that the largest was taken out first thus making the next 4 checks that were all less than $20 each bounce in succession. They charged us $220 in fees for being about $25 short on our account, when our savings had all the money required, and they did not notify us that they would be holding our tax return check for so long! Congress is currently working on making these preditory practices illegal. We threatened to sue, and the only way that they would back down was if we opened a different type of checking account. Now that that is done we are leaving and preaching the word of how rotten they are to everyone we talk to about banking!

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kissyourself
07/24/2007

National City Bank 1

I cannot even begin to describe how many times National City has screwed me over. First off, when I had a fraud complaint (someone took my account number and charged 149 dollars without my consent) they said it would take atleast 6 months to investigate and still have not contacted me about it and to this day will not return my calls on the matter. Secondly, it takes almost a week for any check that I write to go through and one time I waited 2 weeks for 4 transactions to go through. This is not very helpful to a poor college student who is living pay check to pay check and has to rely on every dollar she has. I have been charged 34 dollars for going over 2 cents (literally). This bank treats college students like stupid spoiled kids who are living off of their parents. Unfortunatley the area that i go to school is basically monopolized by National City and its the most conveneient one to go to. However, after the last time I was charged for over drafting (I had 6 transactions go through from up to a week and a half ago) I am switching to La Salle or a credit Union.

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ben91069
07/24/2007

National City Bank 1

National City Bank are in essence thieves.  The tellers and various employees are not to blame, but the upper management who makes their policies and determines procedure on how to best steal your hard earned money should be made to compensate out of their own pockets every last penny plus the same usury fees they charge their account holders.  Mind you I am not saying we should not pay their fees, but when they manipulate the post dates to maximize their profits, that is criminal.  Go here and post your National City rants.  It is about time the people stood up to the banking industry:

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

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adamhugh
07/12/2007

National City Bank 1

Yes zero stars, While I have had pretty good experiences wiht the people who work for the bank, Andi t is amazing how many overdrafts I have been able to get back when I cal them on their practices the deliberately withold deposites tot set you up fpr overdrafts if you write a check Wednesday evening and then deposite cash Thurshday morning they will charge an overdraft. And if you need an laon to help in a financial pinch forget about it if you have less that stellar credit. Thay love to take your money but they don't want to lend it out. I love the $10.00 charge to electronically move money from savings to checking to prevent an overdraft. The best was a $10.00 to move $1.34 and if you want to get money out at the bank and do not have a check, they charge you $5.00 I feel like the kid from Mary Poppins. I will be leaving National City soon!! Also talk to people who work for then most liked it a lot better when it was a locally owned and operated bank

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Guenhwyvar
06/01/2007

National City Bank 1

TO NATIONAL CITY: You charged me numerous times for one overdraft, and I have overdraft protection. I've paid them more than twice for the same overdraft fee. You are too quick to judge every single person on this page. By the way, before you go insulting everyone else on this page, check your grammar. You obviously work for National City because your grammar matches their incompetence with numbers, and your attitude matches their callous, indifferent approach to customer service.

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bob6621
05/30/2007

National City Bank 1

Allowed my 16 year old to open a checking account without any authorization from an adult in which he overdrew and was then charged $8 a day for 15 days for fees.The total to close the account was $220.

How can a minor be held accountable?? Why wa she able to overdraw like that with a check card???

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aleeohio
05/15/2007

National City Bank 1

National City bank uses blood sucking techniques to maximize it's profits. It would be ok if they had customer service to make that experience more pleasant. They have customer service reps who are degrading and demanding, even when they and the NCB computers are wrong. They posted my payment to the wrong account, then threatened to send me to collection and then did not apologize for their screw up. Their computers still pumped out three letters demanding immediate payment even though payment had already been receieved and taken out of my checking account. If you have a choice DO NOT choose National City Bank.

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1.78
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