Erica730
Lexington,#2Consumer Suggestion
Sat, November 22, 2008
I've never had a situation quite like yours, but I have overdrafted bank accounts before. Here are the best things you can do: -Always read and save your receipt. Your receipt will say which teller at which branch performed the transaction. It will also tell you the date the funds will be available. -Realize that CHECKS ARE ALWAYS HELD for atleast 24 hours. -Read your personal account agreement - it tells you who (you or the bank) is responsible for what. -Think things through before you get upset. Checks kept trying to clear your account over and over because the person/company you wrote them to kept re-depositing them. That's their fault - not the bank. -Although the manager shouldn't have been rude to you at all, realize that they deal with customers who are rude too. Everyone has bad days.
Cory
San Antonio,#3Consumer Comment
Mon, January 14, 2008
That really bites however. Every bank I know puts a hold on all new account, deposit checks. The reason being is the hugh number of scams that are out there. The crooks open an account with a bad check, get a batch of new checks from the new bank and proceed to go on a spending spree. Years ago I worked for a company. Some crooks came into town and deposited $6000. They went out and wrote THREE $6000 checks to three different companies, all within a 30 minute period. The companies called to verify the checks at the bank. The bank told all THREE companies, YES that check IS GOOD AT THIS TIME. Luckily my company was the first to get to the bank to cash their check. The other two were SOL. You got caught up in the bank's policy of holding your deposit check. It is the bank's fault for not telling you. I'm surprise you didn't open an account with the other bank "united" because your company has a relationship with them. They might not have held your check. Was it for the $50 incentive?
Cori
Arnold,#4Consumer Comment
Mon, January 14, 2008
What a horrible situation!!!! I feel so badly for you. If I had the money, I would give it to you myself!!! NCB has the worst customer service around. You're not kidding to say that they have very rude reps. I'm in Missouri & I can tell you that they are like that here too. They will call you a liar to your face (as they did me) & never take responsibility for their own mistakes regarding your account! A fter closing my account at the bank, I have now been informed that it was never closed & they have charged me fees to the tune of nearly $600. I'm a single mom who was just recently laid off from my job. I intend to fight this. I'm not sure how just yet, but I will. They make their money off of gouging their customers bank accounts for bogus fees! Your situation was definitely the banks error. They have uneducated customer service reps who don't know the first thing about banking & they definitely have no compassion whatsoever for someone's situation. When I closed my account, they took my debit card stating that it was no longer valid & I have no access to my account online because it was closed. According to the bank, it's still open & I'm sure just sitting there accumulating more fees. I have yet to receive any notices though. My best to you. Cori P.S. It's interesting that NCB's computer screens never show the same screen that you have when you bank from home online. When I called about a problem, they didn't know what I was talking about because they're screen showed something different. I wonder why that is?
Ken
Randolph,#5Consumer Comment
Tue, July 18, 2006
You need to document all of this and file a complaint with your state's banking commissioner, and with teh Comptroller of the Currency's office in Washington. (their regulator) This is completely unacceptable and illegal if it is all as you stated. Good luck.