- Report: #184050
Complaint Review: National City - Louisville Kentucky
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Author Confirmed
Why?
National City
P.O. Box 856153 Louisville, 40285 Kentucky, U.S.A.
Phone:
800-352-0186
Web:
N/A
Categories:
Business Rating:
(0)
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National City ripoff dishonest fraudulent billing Louisville Kentucky
I took out an auto load several years ago with National City for a 1998 Ford car. The loan was scheduled to be completely paid off March 2006. A few years ago I was late on a few payments, but I did catch up. Apparently National City charged me some late fees for these late payments. I would of happily paid these charges once I had the money but was never notified they were added to my account. During the third year of the loan I no longer received any payment books. I called National City who told me they no longer provide payment books, but send monthly statements. I asked to verify my address here in Charlotte NC, the loan was addressed to my mother who co-signed the loan in Pennsylvania. I asked to have statements mailed to me. Several months went by and I never received a statement, nor did my mother. I called again and updated my address a second time. I made the payments over these few months by calling National City and making a payment over the phone, (Note: National City charges $15.00 for this service). I still never received a statement. I continued to call National City to pay the loan over the phone, and was never notified of the late fee, even after asking how much I owe for the month. I was ALWAYS quoted the normal monthly payment. I inquired about paying the loan online (something they also charge $15.00 for) and was told I could not do this since I don't have a National City checking account. I still never received a statement, nor did my mother after the second call. After becoming sick of paying the bill over the phone, I started mailing the payment to an address in the orginal payment book with a post note that had the account number on it. The amount has always been deducted from my account. I always included a return address on the letter and National City never called or inquired about the late payment fees. When I called National City in Feb 2006 to pay off the loan I was told that I owe over $1400 in late fees. Suprised by the amount I asked to speak with a manager, I was put on hold for over 50 minutes and then disconnected. I called again and was told I must pay and there is nothing they could do. Not only did they not notify me of the fees, they also reported that I only owed $613 to Experian in Decmember of 2005. I have been tracking the account via credit report since I can never get any information from National City. They also reported the loan was Open/Current. No only did they fail to notify me of the late charges, they also failed to report the correct information to Experian if they are now stating that I owe them $1400. My suggestion for anyone who reads this is never do any business with National City. I am still trying to communicate with National City about this issue, but am always told there is nothing they can do. Any help would also be appreciated.
Tricia
Charlotte, North Carolina
U.S.A.
Tricia
Charlotte, North Carolina
U.S.A.
