- Report: #169691
Complaint Review: National City Bank - Hazel Park Michigan
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Author Confirmed
Why?
National City Bank
22711 South Chrysler Dr. Hazel Park, 48030 Michigan, U.S.A.
Phone:
248-361-3892
Web:
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National City Bank ripoff Hazel Park Michigan
i had closed my account with national city bank after they started hitting me with over draft fee after over draft fee.
i took the monies in i owed them brought the account current and then went to another gentle men and told him i wanted the account closed totally as of 12/28/2005.
he did that upon my request.
i checked the account to 12/29/2005 and i seen a check they put thru that i wrote on 12/05/2005.
i cannot believe that they put the check thru with a zero balance in the account and it being closed.
not only did they put it thru they also charged me a overdraft fee again and a continous overdraft fee.
i emailed them i told them i will cover the the check but not the overdraft fees.
i am awaiting a response from them.
my little brother also had them put a check thru that he did not sign for a security deposit on a job he was having done.
if this bank isn't a ripoff i dont know what is.
Jeff
Hazel Park, Michigan
U.S.A.
i took the monies in i owed them brought the account current and then went to another gentle men and told him i wanted the account closed totally as of 12/28/2005.
he did that upon my request.
i checked the account to 12/29/2005 and i seen a check they put thru that i wrote on 12/05/2005.
i cannot believe that they put the check thru with a zero balance in the account and it being closed.
not only did they put it thru they also charged me a overdraft fee again and a continous overdraft fee.
i emailed them i told them i will cover the the check but not the overdraft fees.
i am awaiting a response from them.
my little brother also had them put a check thru that he did not sign for a security deposit on a job he was having done.
if this bank isn't a ripoff i dont know what is.
Jeff
Hazel Park, Michigan
U.S.A.
5 Updates & Rebuttals
Jennifer
Whitehall,Ohio,
U.S.A.
Simple
#2UPDATE Employee
Sat, January 28, 2006
Jeff, I understand your frustration, however you have to understand that if there was an outstanding check/visa check card transaction/ACH debit presented 30 days after close of your account, you will be charged NSF or overdraft fees. When NatCity closes an account it goes into a "pending" close status for 30 days. I doubt you were doing anything illegal and just forgot about the check from Dec 5th...however, we can't allow Joe Schmoe to write thousands of dollars worth of checks on Dec 28th then turn around and close his account on Dec 29th and not expect recourse. Again, I doubt this was your intention, however these are the guidelines you were given in the handbook at the time you opened your account. Whatever you do, you will need to take care of those charges because NatCity will charge off your account and report you to CheckSystems and you will have a difficult time getting an account anywhere else. Chalk it up to a learning experience and read the fine print in the future.
Jeff
Hazel Park,Michigan,
U.S.A.
thats super
#3Consumer Suggestion
Sun, January 08, 2006
if you read what i wrote i put the date the check was written on,and the date it was cashed on. yes it was a mistake on my part. but it is not a trailer at all. if you know the area were i live then you will know their is no trailers around here.like i said leave the childish remarks out.
Pete
Valley View,Michigan,
U.S.A.
Oh, I see Jeff
#4Consumer Comment
Sat, January 07, 2006
So it's a single-wide, right? Near I-75 and 9 Mile Road? You still haven't admitted you didn't disclose to the bank that you wrote a check which didn't clear at the time you closed your account.
Jeff
Hazel Park,Michigan,
U.S.A.
who's fault
#5Consumer Comment
Sat, January 07, 2006
i do not live in a double wide. it is your choice to put in a reply but lets keep the childish remarks out.
Pete
Valley View,Michigan,
U.S.A.
Whose fault?
#6Consumer Comment
Thu, January 05, 2006
When you went to the bank to close the account, it's obvious you didn't tell them one of your checks still hadn't cleared. So is the bank supposed to eat that amount? I'm sure tney asked you if you had any outstanding checks, didn't they? Both the amount of the check and the NSF fee are your responsibility. If you don't clear this up, don't be surprised when law enforcement knocks on your door with a warrant for your arrest. Of course by that time, they may not know which double-wide you're hiding out in and it may take more than one attempt!
