National City Covering up their mistake

and anyone who wants to PM me, I just made an account so this is my name now....

National City bank is horrible! When Provident was bought out by them I got out of there as fast as possible because money kept missing from my account! Then after I closed my account they sent me a letter telling me that I owed them money, which I paid cuz it was a small amount and I wanted to be done with them! PNC bank is just as bad! I tell you what, banks just aren't worth it! Especially the big banks!

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I have to question this post as well. Your post is a little confusing, or at the very least, is missing some info. Did you actually withdraw $3800 from what you thought was your account, or did the bank make an error in the amount given to you?

Also, did you check your receipt to see if the account number was correct? I'm assuming the bank must have given you a receipt for the withdrawal, even if they filled out the withdrawal slip themselves. If it was pulled out of the wrong account, then that incorrect account number should be on the receipts.

Not trying to play devil's advocate here, but I agree with Morningstar - if the bank gave you money that was not yours, then "your" money should have still been in your account, whereby you could have repaid it. Didn't you notice that your account balance didn't change after this withdrawal?

Not trying to stir things up, just honest questions, trying to fill in the blanks.

I never received receipts for the withdrawals, however, everytime I went in I checked my balance through the teller and then asked to withdraw the money and everytime they checked my balance from my account and then withdrew money out of someone elses. Months down the road they call and accuse me of fraudulantly taking money when it was a bank error that they would not admit to then they turn and change the account numbers and make it an overdraft. In this process they were very rude and very straight forward and I wanted time to review everything. Within 10 days of the first contact I had already been turned over to a credit agency (allied interstate).

So now do I try to fight this since they altered the withdrawal slips that had the tellers hand writing on and tried to say I overdrafted when everytime I withdrew I had sufficient funds in my account I just never caught it until later?

What are my options?

Your options are to try to work out a payment plan or to pay the balance in full. I'm not going to pretend to know whether or not there was bad faith on your part, but either way, you still owe the money to the bank. If fraud charges were pressed against you, you might have a defense, but I cannot imagine a real defense in the civil arena. For all we know, the alterations you speak of were simply part of them correcting the accounting, and not in a fraudulent manner--after all the person who shares your name was out $3800. Maybe Goudah can shed some light here; I think she's pretty familiar with banking.

I really don't think you have a way to defend your position and fight this - as Morningstar said above, the person who had money taken out of their account was still out $3800, which came into your hands, and your $3800 was still in your account. Obviously, the person whose money came up missing must have gone to the bank and complained, and the bank had to refund their money, so once they traced it back to where it went, they came after you for it.

I think if you try to fight this matter, you're going to end up in a he-said/she-said situation, where it's their word against yours - and I'm afraid you won't win, unfortunately.

hi, me again. national city sux. and allied interstate
isn't better. they are the account i had b-4 all this

nonsense. they charged me 400.00 in cont overdraft fees. thank god for tcf bank.

uh....National City is a bank and allied interstate is a collection agency - not quite sure how one could be better than the other. :shock:

I have a couple of questions to ask.. (Team -- let me know if these are (or are not) a good idea.

1 -- Check your statements. Did you see the withdrawls on your statement? If so, then I think you would have a very valid dispute.

2 -- Have you 'formally' sent in a written dispute?

Harold.

Harold - I would say we probably won't hear from this poster again, since their last post was in July...I think they decided we weren't on their side and stopped asking for help.

Thanks for posting, though! :-)

Something like that happened to me not to long ago. It was both of our mistakes, the bank and mine. Now I have set up a more than satisfactory payment agreement with them.

This story just reminds us to verify both payments and credits with your bank. If money magically appears we are bound to know why.Protect your bank account and your credit with the same determination that you would protect your family.

I had read this post before...and last week when I went to my new bank to make a deposit of a check my daughter gave me..the teller who I know well started to post without my slip...I asked her to wait and verify my account number please...she looked at me a little strange...but in my mind I am thinking...what if she posts it to the wrong account?? ..LOL..I did that because of what I had read here...your so right Cajun, especially after what some of us have been through!