If you have or are considering getting a National City checking account, don’t!
I have had two incidents with them since I had my account there, the first was in March of 2003, the second 8-9 months after I closed my account with them. Continue reading to see what happened…
At the end of February 2003 I wrote a check to pay off my dad’s American Express card which I used when I purchased my HP Notebook. We used his card since it extended the manufacturer’s warranty and because I didn’t have all of my money in one place and the sale ended the next day (savings of about $300 if I remember correctly). The check’s total came to $1300 or $1500.
Come the middle of March I find (rather rudely actually) that my account has been overdrawn by almost the exact amount of the check (minus some money I had in there to begin with). I’m not which company was responsible for my problems but the check was essentially cashed twice. At first the solution was simple, just called them up and explain what happened and they reversed both the second debit and the overdraft fee. A few days later it happened again, again I called and had it fixed. A few days later it happened yet again, but this time they said to let it go a few days and see if it straightens itself out…it didn’t, and I was charged $5 a day for almost two weeks while the account was overdrawn.
In the end it got straightened out, but it soured my mouth a little bit.
Tired of having to take a 60 mile round-trip just to deposit funds in January 2004 I opened a checking account at my local bank and closed the checking account with National City.
All was well until this month, when I received a letter from National City stating that they processed and paid a $65.70 debit on my closed account. The letter even states that the account was closed. And now they expect me to pay for a transaction that should have never gone through in the first place. When I called the “Loss Prevention Specialist” to find out what why the debit went through his answer was (paraphrased) “it went through because it came in electronically”. The same answer I was getting when they screwed with me the first time.