National City Bank / if you want customer service, don't come here!
I am not a hard person to please, so when I find a website and devote the time to telling my experience, that in and of itself should tell you something.
I recently moved to Bowling Green, KY this year, I have always been an avid Wells Fargo customer, but there aren't any out here where I can go, so I signed up with National City. BIG MISTAKE!!
Suffice it to say for a majority of the year I had only one disgression that was made known to me, but I called it naivity and went on. Later in the year Uhaul charged my card $80 instead of the $38 that I signed for. It was a merchant error, and National City was completely unwilling to work with me, not even give me advice. Their phone number virtually doesn't exist, and when you call their 1-800 customer service number they give you a false number. Any complaint you have can only be remedied at the branch you opened your account at...period. Eventually I went through the BBB and they refunded me the overdraft charges that incurred due to Uhaul's mistake, but would not go after the merchant for the wrongdoing.
My most recent gripe that is now making me switch banks is that I went on vacation. Prior to getting on the plane I spent less than $20 at 3 seperate locations and had over $400 in my account at the time the purchases were made. I left February 28th, deposited an extra $400 on the 28th and had my roommate give our landlord a rent check on the 2nd because I was away on vacation. I did not use that bank account the entire vacation. I come back on the 5th to realize that over $100 in overdrafts have been taken from my account. Apparently the purchases I made on the 27th and 28th of February didn't post until the 2nd. The bank's "computer randomly decided to choose my rent check to cash first"...so $696 came out first, then the 3 seperate payments of less than $20 and then finally they deposited the money even though the deposit came first, followed by the 3 least expensive purchases and then finally the rent check. When I went to a branch to ask why I was told to step into an office. Waited 10 minutes for the tellers to quit chatting with one another and after she told me what I already knew I was told there was nothing to be done about it because this wasn't the branch I opened my account with...I went to the branch I opened my account with and was told too bad, and if I didn't like it I should study my contract or close my account and leave.
So in short, unless you plan to remember every line of the contract you sign with this bank, I assure you... you will get screwed too! You are suppose to just "know" that merchants have 60 days to cash in on debit card purchases, or that their atm deposit takes 2 additional business days for deposits to go through as opposed to the typical 1. And when you don't know, it's not considered a "bank error". For every overdraft count on $34 to be taken out, and when there are 2 in a row an additional $20, on top of what is in your savings. It adds up trust me...this is the worst bank I have ever had the displeasure of being a part of.
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