Shawn M Evk

home

You have a property you own in Ridgefield WA 98642. The Lady that owned it passed away a few years back and it is very overgrown with black berry bushes. I see it's going to auction soon. I was wondering if there was any way I could make an offer on it before it goes to auction. My wife and I are looking for a home that we could fix up and raise our family in. The address is 19121 NW 61st AVE, Ridgefield WA 98642. We currently could offer $350,000 without seeing what the inside looks like and how much damage the vines have done. Thanks, Shawn McKay
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Sherrian Epn
map-marker Oklahoma City, Oklahoma

I don't know

stars-rating-full stars-rating-full stars-rating-full stars-rating-full stars-rating-full
Someone just robe me and I need to figure out how to get mine money back as well
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Reason of review:
Problems with payment
Bearded M
map-marker Tooele, Utah

City National Bank - Merchant Services Suck

Despite numerous warnings by other business owners, I opened my business accounts at City National Bank, in Orange County, CA. I needed direct deposit services to process mailed in checks. I was told by my contact person that I needed a scanner to process the checks. They charged me $1,500 for the scanner and a monthly service charge of $50. They came over and set it up, but it did not work. City National Bank said my computer equipment was too old, so I spent another $6,500 to update both the equipment (HP) and software (Windows 7). They tried to install the equipment again. It didn't work. The scanner did not support Windows 7, so they needed to get a software patch to make it work. After 3 months they installed the patch, but it crashed the system. One month later, I went to another bank and got the merchant services I was always promised at City National Bank. $$hity National Bank...a bank offering expensive inferior products by incompetent staff.
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Loss:
$2
bcureton
map-marker Goshen, Ohio

Riped Off

I opened a Christmas club acct with National City in 2008. I didn't deposit any money in it. In 2009 Dec. the bank called and said that I owned them $1,172.52. in overdrafts charges. I was supposed to deposit money in not be charged over draft fees. Now I have a collection agencies calling at work and at home for the money. I told the collection agencies to stop calling me at work and I'm not paying them anything. I just hope this is not going to stay on my credit report. The bank should be ashamed. I know I have trouble with my banking acct. but not to be charges this much for a Christmas Club. Only my overdrafts was so high that I whole paychecks was gone, I couldn't get any help from the bank. They said that it was my problem I overdrew the acct. The bank charges 8.00 a day for overdrafts and 34.00 for overdrafts checks or items.
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Loss:
$1
3 comments
Azhlynne H

Karen, I wouldn't say that every other bank is great. There are several big banks out there who are guilty of writing bad loans and foreclosing on our military families. That is not great.

Guest

Every bank charges overdraft fees. Don't spend money that you don't have and you won't have that problem.

It is your problem that you overdrew your account! The bank does not balance your checkbook. You as a customer need to make sure you have sufficient funds in your account before you authorize any transactions. If only you would do that, you would not get charged any fees!!

Hello, is it that hard to keep a checkbook :eek . It is not!! But everyone keeps spending what they don't have and then blame the banks! It is obvious the bank will go after you to collect their money and charge you fees.

Yes it will go on your credit report and you will also be reported to chex systems and you won't be able to open an account ANYWHERE! If you have one, that bank will be notified through chex systems and it will be closed. No one wants to keep a customer who owes money to another bank. But then again they love customers like you.

Your fees and other people like you who don't know how to manage their account keep those banks running!! :grin :grin Yep that's right :grin. So STOP blaming the bank and admit you have a problem and you spent money that you did not have. Yep, the banks money.

Now obviously they want it back with fees on the top of it! That's how it works 8) Either deal with it or use cash only!! National City is a great bank and every other bank is great, it's people like you who can't balance their accounts and blame everyone for it!!! Yep, face it honey!!

You have no money, it's not the bank that's horrible, it's you! :grin

Guest

Fine print....such a wicked thing.

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Resolved
KRISTI.ZACCARO

Resolved: I worked at Nat City for almost 2 and a half years

Where do i begin.... well first off i would like to say that i was an awesome employee to national city.... very loyal to my customers and they knew it! honestly everyone loved me and they loved seeing my face! but what to do when your branch manager hates everyone? she cannot get along with anyone! danielle bailey of the montrose branch in ohio is a worthless piece of junk... i devoted my life to that branch and did everything correctly... she continues to not call customers back or deal with their issues... customers take a stand! call customer service on her... i didnt get a chance to say good bye to my customers but they knew how she was... within a 2 year period of time she went through 20 employees.... i was number 19 and she just fired someone else today... customers honestly do not like seeing different faces all the time... they like to build a relationship with the tellers... i know that for a fact! i just really wish and pray that anyone who knows her will take a stand! i am not just a pissed off ex-employee i am goal oriented smart thinker and i now have not have a job for almost 2 months... thats not fair... especially when you do not do anything wrong! i have things to pay for as well as she would be devastated if she could not provide for her family... either way i just wanted to be there for anyone who has questions about the banking field and what really goes on at a branch... just e-mail me if you would like to... kristi.zaccaro@***.com.... i will be more than happy to assist you!--- and if any of my customers are reading this i miss u!
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1 comment
Guest

:( all i can say is that i am complaining about national city... and they put a ad for them at the bottom of my article... weird..

Anonymous
map-marker Cleveland, Ohio

National City Overdraft: Put a hold on cash

Friday, 3/27 I deposited 400$ CASH into my NEW national city bank account. I still had 172.88 in the account before the deposit. Monday, 3/30 I had an automatic withdrawl from my auto company and a few items posted. Well, little did I know, National City put a hold on my cash deposit and only gave me 100$, the smaller items were less than the total, though my car payment was more, so they put a hold on my cash and charged me overdraft fees for everything=6 total=220$....none of the items were more than 16$. I am so upset, I do not even know who or how to talk to about this. I feel like I have been robbed.
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Loss:
$220
8 comments
Guest

They put holds on cash deposits (at times) three days after it was deposited into the ATM. It has since already been counted and verified.

They are thieves.

Guest

Even though DW thinks we are ***, I disagree with what they have said. I put a cash deposit through on Friday and Saturday past.

Bills were showing pending on Monday, and went through at midnight Monday night. There was plenty of money to cover everything, but they decided that my cash deposit wasn't available until after all of those bills went through. Even looking at my statement, no place does it show that I was overdrawn, but I was charged $134 for going negative. Question, if the breakdown by the bank doesn't show a negative, did it really happen?

No, it's just a way for National City to steal money.

We spoke with an assistant manager at the local branch and though he agrees that the cash should have been available Monday by closing, there is no way for him to waive the fees. I'm closing my account once my checks clear and will never use them again.

Guest

NC ripped me off too. I complained and got nowhere- They kept giving me different answers etc.

I made a deposit which was pending- I had some pending charges. They charged me overdraft fees on pending charges, even with a pending credit- According to their terms/conditions all credits will post prior to withdraws so how the *** can you charge me for pending items with a pending credit??? And as for DW's comments you are warped! I do have proof and I reported it.

Don't tell me they fix mistakes because all the *** I talked to did nothing!!!!! We are still with you *** people because he doesn't want to change banks (I do) and I made a deposit on Friday (11/13)the check was from my 401K and today is 11/18/09 and my money is still not available- Are you freaking kidding me??? You can remove my money instantly but can't give me my money? Most is electronic and you mean this still can't be verified??

What a joke! I dont't care what he wants, I am switching banks bc this one is ***!

Guest

To go off of what DW said...they do put a hold on your account. My NC even has a sign out for all to see that there is AT LEAST a 24-48 hour hold on all deposits....why....if I put my money in the bank I want to be able to use it sometime this week!!

I am shopping around for a new bank right now after seeing how many problems everyone is having with them!

Oh and....I work for citibank...putting a hold of someones account for us is a matter of clicking a button and can happen to anyone without them even knowing...which I have had done to me by NC

Guest

I have past had it with National City and their fees. I put cash in my account Saturday morning.

It is Monday afternoon and it is still pending. Like really? I put a check into my Chase on Friday and half of the check was made availible right away. Where is the justice with National City???

They steal from the poor and will happily reverse the fees for the rich. Unreal!

Guest

If you read the

"FDIC's Study of Bank Overdraft Programs"

you will learn that the banks are PAYING

third-party companies 10%-20% to manage their overdraft program.

You will also notice that banks who use the high-low system report a larger income than the banks that do not.

I wonder if they care more about making money than making sure my car is paid before my dinner is?

Guest

Ok, you guys are just plain ***. I'm a part-time teller for NCB.

I have no ties to it except for a college job. We do not place holds on cash except when you put it in the ATM which is pretty *** obvious since someone has to run that money. There is only ONE way to deposit cash (with the exception of the ATM) on the computer, there is no way to put a hold on cash, it is impossible on the teller computer system. Unless we place a hold on the account wish time consuming, hard to do and typically done by the fraud department.

There is no way NCB could be liable because its all in the account pricing schedule. and funds availability policy which is given to you. The problem, nobody listens or reads. I tell people all day long how to avoid overdrafts, and many customers if the listen never have a problem.

Its people who are unable to manage their money. Plus if we see its a simple error, we'll usually refund it.

Guest

I know exactly how you feel.....we must DO something. I have been the victim of exactly this kind of thing ...they are , by policy, exploiting anyone who can be exploited...generally this means anyone who cannot keep a large sum of money in their checking account....most of us these days....their policy is maximize their own ability to charge these fees and they are always looking for these kinds of situations....I believe this policy may make them liable to a class action lawsuit...at the very least they must be exposed to the public.They are very conscious of the fact that they are creating a huge number of angry customers and they simply do not care. We MUST show them that we are not sheep and that we will make a noise when they steal ion this way.Please contact me and we can get this thing together.

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Anonymous
map-marker South Bend, Indiana

No service at drivethru for non member.

My client wrote me a check on a NCB account.I called the nearest branch. I was told the lobby closed at 4:00 but the drivethru was open until 5:00.When we got to the drivethru window i signed the check and sent it in with my drivers liscence. I was told non members could not cash checks at the drivethru. The teller told me she needed a thumb print done in front of her. I asked for the ink pad but now it had to be done in the lobby.Now the only transaction i can think of for a non member at any banking institution is cashing a check it would have been nice when i called if i was told that non members can't make transactions at the drivethru before i drove five miles out of my way.
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Anonymous
map-marker Atlanta, Georgia

Bank error fees I cannot get back

I have several accounts at National City Bank in Sanford FL. The staff at this branch changes like I change socks. I received several ridiculous overdraft fees etc. from the idiots that work there and they all admitted fault. One account 900.00 Dollars another 300 Dollars. Only to be told by the " New " manager that I will receive it all back the only catch is that he can only do it at 100.00 Dollars a month etc. as not to cause notice from the higher ups at the bank. OK. However this NEVER HAPPENS. I have to call E mail etc etc threaten to close accounts. I am the second largest depositor at the branch. This goes on for over 9 months. To this day I have not received all the fees although they again tell me they plan too.
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1 comment
Guest

Go to the higher ups. This isn't right, coming from an employee, this branch needs to be cleaned out.

2nd of all, you should never know what rank you are in terms of depositors. for the sake of privacy We have all kinds of cooperate accounts and personal wealth management accounts, I doubt your the 2nd highest, that maybe what he told you I would take it with a grain salt

rman
map-marker Indianapolis, Indiana

Absolultely worst bank. Stay away.

This bank moves money in and out of your account. The running balance changes by the hour!!! Said it was the merchant's fault because they did not submit within 72 hours. Presented proof from merchant that that was not true and then they said they never did say anything about 72 hours. Was given the 72 hour explanation by at least 8 employees!!! Don't seem to recognize that it is your money!!! not just their bank!! Terrible bank with a lot of terrible, double talking people!!!! Todd Williams gave me the major stare-down and told me I should keep my own accounts and not trust what the running balance said. Very nasty.
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Anonymous
map-marker Indianapolis, Indiana

Overddrafts overdrafts overdrafts

Beware this bank and any other bank who buys them out!! The new bank is just buying out a bunch of supercilious, prevaricating employees who show total disrespect for the customer. Their stories in reference to problems change by the minute. Their solution to problems is to denigrate and intimidate the customer so he will shut up and go away and give them their ill acquired gains. They are making millions from this endeavor. Obviously, they are employeeing people who are adept at their game. Stay away from this bank. It is like dealing with a bunch of thugs! Don't we have enough of this in this world?
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Loss:
$36
Anonymous
map-marker Columbus, Ohio

NatCity *** fees

I just moved an IRA out of NatCity Investments. They charged me $95 to close the account and $15 more for my annual fee. I never even get a call from them. Never use a bank as an investment company! I am greatfull they were bought out today. I hope those vultures all lose their jobs! Please never use their "services". They are a complete rip off!!! The best part of this is that they are going to take $100 dollars for my other account also. It is worth about $700! And you thought your bank's s ATM fees were bad. :(
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12 comments
Guest

I have paid $822, this month alone in fees. I thought I was the only one being hit with these fees.

Now that I know I will be closing my account tomorrow. Never had problems like this with other banks.

Guest

I used to work for National City as a Manager. YOU WANT TO GET FEES REFUNDED HERE'S HOW:

1. Make up some crazy lie about why your overdrafts happened. Ex: Your mom just had a stroke (some uncontrollable illness/family problem) and you weren't thinking straight and you meant to use your credit card and you used your debit card all day (CRY). These people are just like you. Unfortunately, they are kind of like cops, but really they are everyday people outside of that building.

2. If they're still unwilling to refund anything, that's when you don't mess around. If your talking to the Asst Mgr, ask to talk to the Branch Mgr, if you're talking to the Branch Mgr, ask to talk to the Regional Mgr, if they wont give you the phone number, call the call center and be SUPER nice to the representative. I knew of a branch where the customer was able to get our MARKET MANAGER's phone number AND her assistant. This is VERY scary to bank employees because 9 times out of 10, they will be forced to refund fees because Market Managers will refund A LOT.

The thing you need to remember is that you have to work to get your money back. You have to pretend you're in drama class and cry or threaten to call your local news station. In this market, there is a bank on every corner and they are all fighting for your business and all of those branches need to hit goals. All Regional Mgrs get reports stating open/close ratios, how many accts they opened that day to how many accts they closed. You need to threaten to pull all of your business and not do future business. You need to say that they will be losing your RELATIONSHIP- your DIRECT DEPOSIT. Also, tell them to compare what you've paid to what you're asking to be refunded. Sometimes you just need to be real with them. Ex: "I've already given you 1,500 in refunds and all I'm asking for is 200 so I can pay my mortgage/rent/just live. If you don't give me these refunds, your bank will be losing out on all of the potential overdraft fees I will pay in the future!"

Tip: Bank of America and CHASE just put out some regulations about o/d fees. Pretty nice for you habitual overdrawers. Hope this helps, it's hard out there.

Guest

i'm glad i discovered this complaint. actually tomorrow i was moving my account to national city but it doesnt look like thats going to be happening now. thank you.

Guest

Gota love them businesses right?

I closed my bank account years a go!

5 dollars of savings or 5 million

doesn't matter the amount of money i have.

its never going to see a bank account.. EVER! :)

anyone who says responsibility is a good thing has never experienced problems before.

you see responsibility? you RUN!

thats the only real way to win at life :)

Guest

Oh so now bank employees are rocket scientist!? and the customer is just *** ***? :( well im closing my account

Guest

nat city,

I get to take time out of my workday tommarrow to come see you clusterfucks about a bank error, but we know the truth right, i'll be told its my fault that you cant do elementary math, i'll get pissed and eventually you'll return my stolen money. Fifth largest bank in the US?

Gee, I wonder how you managed to do that.

Anyway I'm looking forward to our date. ;)

Guest

I wrote the whole message just for you to frick me over!! You never even asked me for a security code!!

You are just as sick as the thieves who work in the National City Banks!!

I tried to tell you all how they fricked me over, and then tell me about a security code after they blew the truth of a screw over under the rug!! This screwy thing is a joke just like the National City Bank is a flipping rip off bunch of ***!!

Guest

Sounds to me like you were in a mutual fund which ALL companies charge a management fee. LOSER!!

Guest

:? WTF I hope your not really employees.

We all need to go to using local credit unions.

We at least would have a little recourse to the compliant dept. Then I think dip$*#$ like these people would lose there jobs

Guest

Sorry customers, but now we will be the fifth largest bank in the US-so we won't be losing our jobs :grin

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Anonymous
map-marker Grand Rapids, Michigan

National City Sucks

My paycheck is directed deposited on Wednesdays and on Tuesday evening I had a few items come through that (according to National City) were not covered, however my balance continued to show a positive balance even though they charged me for 9 overdrafts totaling $306.00. I called the branch where I opened my account and was told that it was my fault not theres that my husband and I were not good customers and after a lecture the women stated that she would meet me half way and give me $153.00 back. I stated that I did not feel that that was enough and that I wanted to speak with the regional manager, she refused to give me he number, but after I asked several times she gave it to me, I did not receive a call back so I contacted the office of the president of National City and spoke with the secretary to the president, she took my information and stated that it would go to a dispute resolution committee. The next day I received a call the the regional sales manager, guess what, she was the dispute resolution committee and she lectured me and belittled me and then basically stated that my husband and I needed to find a new bank, we have had our account at National City for 12 years and I hadn't contacted the branch in over 3 years. I believe that the reason we were asked to find a new bank is because I threatened to file a complaint with the State of Michigan.
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1 comment
Guest

The bank was right. You had debits (expenses) come into your account on Tuesday, but the money was not credited (deposits) into your account until Wednesday.

Consequently, you did not have enough to pay your Tuesday bills until Wednesday and incurred overdraft charges.

Don't right checks for money that you don't have and you won't have this problem. Banks are not required to make funds immediately available - ask the bank for their policy so you'll know what to expect in the future.

Anonymous
map-marker Pittsburgh, Pennsylvania

To All National City Haters...

I start by saying I am a faithful National City Employee. I cannot present to anyone what I do not myself believe in. First I would like to say in response to so many posts that in all stories there could be human error and for that we should be forgiving. To be rude or condescending is also not acceptable. With that said, many complaining not only on the blog but in my branch about overdrafts are "MAINLY" those who are in no way responsible for keeping record of their accounts, I will not take blame for that. I respect my customers whether they are in the negative $200 or positive $200K. I am NOT responsible for......your lack of planning and check writing BEFORE you have the funds to do so...Not responsible for your personal life, that is what your family is for.....I DO love my customers, I understand them, *** I've had RECENT overdrafts....It's MY fault I knew i didn't have it! I am NOT responsible for your HELOC freeze, Blame BUSH we are just abiding by their rules....Your 2 cent overdraft costing you $34, yep it's a loan baby, you wrote a check your account couldn't pay and by the way we lost more money paying your pizza bill than you did overdrafting. I am actual friends with MANY of my customers and have cried over the death of more than one. I AM National City Bank and I'm truly sorry if you did have an unresolved "issue" and it was not TRULY your fault. I'm in Monroeville Pennsylvania and if you come to my branch you will get the utmost respect from me. I've found most people are more patient in line at McDonalds waiting for their promised "fast food" than they are at a local bank who is being careful to count their money, keep balances low in drawers in case of robberies.......until you have walked in our shoes.....I love National City and if you are my customer I love you too
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1 comment
Guest

Kudos, as with ALL large corporations, there are those people who really should not be in customer service, just as there are those customers who really should NOT have a checking account. Accountability is two-fold.

We don't write your checks, YOU DO, we don't balance your account, YOU ARE SUPPOSED TO, so when YOU overdraw, WE are taking the risk of you leaving us high and dry. Unfortunately if that happens enough times, we have to pass that on to the rest of the group. Just as shoplifting increases prices, ovedrafting increases fees. It's a loan, would you rather we return the $20.00 check that overdrew you $5.00, charge you and have you embarrassed AND charged another $25 at the merchant?

We do try to be fair, but coming in and yelling at me that "this bank is stealing my money" isn't going to get you too far. Be reasonable, if you've overdrawn before, well you know the drill... pay the fine and be on your way. If it's truly the first time EVER and you've been around for awhile (yes, that's MORE than 6 months) and it's not by hundreds of dollars...

you're more likely to get a break. Come visit me anytime... White Lake Michigan... we treat you with respect, so long as you do the same and take responsibility for your mistakes, just like you expect us to.

and just for the record......... NO WE ARE NOT CLOSING.

sincerely
map-marker Monroe, Michigan

Unfair credit card practices

I DID 2 BALANCE TRANSFER FOR 5.99 FOR THE LIFE OF THE LOAN ON MY CREDIT CARD, AND I AM THE TYPE OF PERSON THAT PAYS ON TIME, BUT SOMETHING HIT MY CREDIT REPORT IN ERROR, AND NATIONAL CITY TOOK THE RATE UP TO 24.99 ON ONE TRANSFER AND LEFT THE OTHER ONE ALONE, I SUBMITTED A COMPLAINT TO THE BBB, THEY REPONDED AND GAVE ME PART OF MY MONEY BACK, WHEN I ASKED FOR THE REST OF IT. THEY TOLD ME THAT WAS ALL THEY WERE GOING TO GIVE ME AND DIDN'T HAVE TO GIVE ME THAT. I WILL NEVER DO BUSINESS WITH NATIONAL CITY AGAIN, THEY ARE SO RUDE.
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Loss:
$75
WindRyder
map-marker Los Angeles, California

National City Bank improper accounting practice

I also have had the problem of this bank deducting overdraft charges before the Items clear. Also the same problem with the customer reps refusing to return my calls. As a result I have contacted the local news station in cleveland and they are starting an investigation. Additionally I am in the process of filing a complaint with the Federal Banking Commission and I would encourge all to do the same. For the WEWS news correspondant please call: Joe Pagansi - 216 431 **** 330 434 **** To File with Federal Banking Comm. Name of customer Name of bank Phone No. account number Detailed account of complaint Send or FAX to: Customer assistance group 1301 McKinney st ste 3450 Houston Tx, 77010 Fax ph: 614 728 ****
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Loss:
$204
Anonymous
map-marker Mcalester, Oklahoma

National city bank dishonest do not put your money in this bank

my mother was told she would draw 439.40 a month in interest from her cd but have never drawn that amount..yes the bank put it in writting...mom is 89 years old with a 3rd grade education...the asst branch mgr would not afford me the opportunity to talk with a bank officer i have never seen this before at a bank ...national city bank ft wright ky...now we are being forced to obtain a lawyer for mom because the bank was very rude to her you would think that because of her age she would be the last person a bank would do this to
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1 comment
Guest

Her age really has nothing to do with the matter, or her lack of her education. I really can't figure out what your complaint is here with National City, due to the apparent lack of your education as well.

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