John
Califon,#2Consumer Comment
Tue, February 19, 2008
"I did have the funds available in my account to cover all of my debits had that check posted like it wa supposed to." You spent money that wasn't there. If not, this wouldn't have been a factor to begin with. There is no ripoff on the bank's part-you spent money you didn't have and tried to skate by. "Every time I debited from a NEGATIVE account they charged me ANOTHER $34.00 fee. How can you approve something that is not there?" Because people like you would then be here crying how they were oh so embarrassed that their card got rejectd. It's a lose-lose for a bank. "I would totally admit if I was wrong and had written checks against money that was not there and been charged an overdraft fee." No you won't as this is clearly the case here based on your above statement. "But 13 overdraft fees IS excessive" You're right. But you shouldn't have spent the money you didn't have in the bank before you tried to cover your own overspending. The bank did not make you do this. The days of riding the float are over.
Cori
Arnold,#3Consumer Comment
Tue, February 19, 2008
Who are you, Robert? A spokesperson for National City Bank? Tracy has a very legitimate complaint. And I think that filing a complaint with the OCC is a very valid thing to do. Let THEM determine whether or not someone's complaint is legitimate! It's not for you to determine or for you to say! This IS a ripoff! NCB does this to all of it's customers! I've never heard of ANY bank scamming their own customers the way this bank does. Also, read the posts more carefully so you know the facts!!!! Cori
Robert
Wallingford,#4Consumer Comment
Tue, February 19, 2008
It posted on the 11th, a Monday. The funds weren't available to draw against until Tuesday. You overdrew your account. Fees accessed. No rip-off.
Tracy
Crawfordsville,#5Author of original report
Mon, February 18, 2008
I am the owner of this report and to clarify to Robert, from Wallingford CT, the bank manager ADMITTED that I did have the funds available in my account to cover all of my debits had that check posted like it wa supposed to. The calendar date was 02.09.08, the business date was 02.11.08, the deposit should have went in on THAT date. Also, was the bank correct in allowing me to continue to debit from my account even though my account was negative? They said that was a service? That is NOT a service, the only thing that is, is a scam. Every time I debited from a NEGATIVE account they charged me ANOTHER $34.00 fee. How can you approve something that is not there? That is nothing more than a scam to rip people off. I would totally admit if I was wrong and had written checks against money that was not there and been charged an overdraft fee. But 13 overdraft fees IS excessive, and it IS a scam. I have NEVER had this happen to me and I have had a checking account for over 20 years. Its a joke and it should be illegal.
Robert
Wallingford,#6Consumer Comment
Mon, February 18, 2008
They only deal with legitamate complaints. The date that was printed on your receipt was the posting date. The funds from the check deposit do not become available to draw against until the business day after the deposit posts (and it is only the first $100). That would make $100 available on Tuesday. I don't suppose you read the funds available policy. Of course not. You overdrew your account. There is no ripp off.
Cori
Arnold,#7Consumer Comment
Mon, February 18, 2008
Tracy, I have also been a victim to this scam. As I suggested to the consumer previous to your post, contact the Comptroller of Currency & file acomplaint. You can get a complaint form online, print it out & mail to them. I refuse to pay the fees that they claim I owe them, but do not. I intend to file a complaint so that this bank is investigated for fraudulent business practices. Also contact the BBB in your area. Their headquarters alone, has an unsatisfactory record with them having 320 complaints against them. How horrible to scam your own customers! Good luck!