Unethical Business Practice by National City
Date: Fri, 05/02/2008 - 06:48
Well, this went on for about a week - no one wanted to help me. Finally I spoke to someone who said they could not give me their whole name - just their first name. Wow. You have all my personal financial informtion, you're harassing my mother and I'm not allowed to know your whole name for reference. How many "Tom, Dick, and Harry's" do you have working there that might have the same last name????? Unbelievable.
Well. To make a long and boring story short, I was finally able to get the charge reversed and get my mother her money back, however, the real issue here is the emotional tug of war that went on. If National City wanted to get my attention, all they had to do was call me - not harass my extended family members. And - if you can believe this, the man in the collections department told me they did this purposely because they knew I would call them. What kind of business ethics is this? Yes, I am admitting that my account with NCB is in serious arrears and the guy in collections told me that if I didn't make a payment in 8 days (I wonder where he made up that number) that NCB's lawyers would be "ruthless" . . . . okay, and? Like what ya'll did to my mother wasn't "ruthless" already.
My question is this: Do I or my mother have any recourse against NCB for their unethical way of trying to get a hold of me? This is not the first time they have done this to me. About six months ago, a woman called my answering machine and left a message for my mother. When I called her back and asked her why she did this - there was dead silence on the other side of the phone. I told her that my mother had nothing to do with my business and that the only way she could have found out my mother's name and phone number was to have been poking around in places she wasn't supposed to be poking around in. Again, there was dead silence on the other end of the line. She couldn't answer any of my questions after that. I got, uh, well, ummm, well, you are linked to this acct., blah, blah, blah. I told her that the conversation was over and not to bother my extended family member again. Of course I know better now.
Sorry this is so long but your guidance is appreciated. Thank you.
reply
just a hint how idiotic NCB is.they were my bank when all the PDL mess happened.at first they helped put a hard block on my acct,never told me despite a written confirmation of the block that they would charge 10.00 per day continous OD fees.they also hire allied interstate to collect.fitting,i hope jcemt or skydiver can give you some direction.i steer people away from national city.in fact there are some branches closing in illinois.good.
Do I or my mother have any recourse against NCB for their unethi
Do I or my mother have any recourse against NCB for their unethical way of trying to get a hold of me?
Is your mother listed as a reference or a cosigner on the loan? They have the right to skiptrace or call references or co-signers, but theres no reason for them to speak to you that way.
Unethical Business Practice by National City
No, my mother has never co-signed anything for me. She has nothing to do w/my business entity that is one of those statistics of the failing real estate market.
Another long and emotional story itself.
Thank you.
TickleMePink, I would be absolutely furious too if I were you.
TickleMePink, I would be absolutely furious too if I were you.
If she were a cosigner, I'm sure they could go after her for whatever you didn't pay; however, a reference is just that, a reference. She has no legal obligation to any of your debts, she is just someone they can call for contact information if the contact information they have for you is incorrect.
Is NCB a bank or collection agency? From your original post, it seems to me it is a bank, therefore you are dealing with collections from an OC (original creditor). If that is the case, the fdcpa will not do much good against them.
That said, check your state's laws concerning the regulation of OC's and they might be of some help to you. What state are you located in? From what I have read, you really need to pursue them for debt collection violations, if there are any laws in your state that cover this type of behavior.
Now as for them taking money from your Mother's account, some banks have what they call "right of offset" in their lending contracts. Meaning, if you default on a loan you have with them, yet have a very sizable bank account with them, they will seize whatever they can get from that bank account in order to satisfy the loan. Your mother's bank account, however, can not be used for "right of offset" if she is not the borrower, co-borrower, or co-signer of the defaulted financial obligation/loan. When they took the money from her account, knowing she was not obligated for the loan they did something that if it was not illegal, was certainly unethical. The fact the man you spoke with said they knowingly did that just to get your attention would have made me go "medieval on his @$$". Don't know how old your mother may be, if she's retired, or what her financial situation is but she might be just getting by as it is and doesn't need some @$$-clowns from her bank screwing around with her money just to get your attention!
My suggestion would be to look for another bank! I don't know if that is an option for you, personally, I would do it just as soon as I could. If they are behaving like the Mafia and trying to extort money from you by screwing around with your mother's bank account, then I certainly would not want to do business with them. And your Mother might seriously consider that too.
Just my opinion.
Hi ticklemepink, I'm not sure but I would have to think that is
Hi ticklemepink, I'm not sure but I would have to think that is illegal. How did they get your Mother's banking details to debit her account? I'm sure others on here will be of more help of letting you know for sure if what they did was illegal, but I don't see how it couldn't be. When it had nothing to do with your mother's bank account. I would for sure look into taking legal action against them.
Johnita
It's quite puzzling how they would be able to do that. The quest
It's quite puzzling how they would be able to do that. The question of her being a cosigner has already been eliminated. Did you appear as an authorized user on her bank account? If not then they would have had to obtain the funds through some other means, most likely pretext calling your mother's bank or some other felonious means.
National City Bank (NCB) is a bank in the state of Pennsylvania,
National City Bank (NCB) is a bank in the state of Pennsylvania, Michigan, Illinois and Ohio (I believe) and they are in serious financial disorder - probably from doing things they weren't supposed to be doing (remind you of Countrywide) (Oh the stories I could tell you about my experience with Countrywide).
Alas we found out that because I was on my mother's cking acct. for convenience only (in case a situation arose that she was not able to take care of her own finances, I could write checks for her). So, NCB figured, "Oh well . . . . let's suck her mother dry and do things we probably shouldn't be doing, but hey, we're a big bank, we have high-priced lawyers, and if they try to do anything against us, we'll sue them anyway". Am I right???
I contacted the PA Dept of Banking and I was referred to another agency with whom I could express my unhappiness so I filed the complaint and I actually need to follow up on that.
Ya'll have been very nice on this forum and I thank you for that.
NCB taking fees out of my account
HI. I put a deposit in the ATM on Monday night because it showed my account was overdrawn by $220.00. This was due to the electric company taking money out a day before they were suppose to. Well I deposited the money (460.00 that I had to get from a check cashing place). Well imagine my surprise when I got up the next morning to check my balance and said it was overdrawn $400.00 plus!! When I called I was informed my deposit I put in the ATM (in cash) would not show on my account until the following day (Wednesday). Well I was finally told I had to put in over $600.00 to keep anything further from hitting my account (believe me I did not have near $600.00 pending to come out of my account. Well I had to borrower money from my Mom and get the bulk of it from another check cashing place. I went to the bank to make the deposit and was reassured my account was to the good $400.00 plus now. Well I called the bank today and I only have $290.0 in there!!!! They still took overdraft fees out when I had the money in there!! When I called customer service (if you want to call it that) they were very rude and told me I shouldn't be making charges on my account if I didn't have money in there. I told her I did have the money in there but with them taking fees that is why I got overdrafted. She was very rude!!! And the sad sad thing is I am an employee of NCM!!!!! I don't think they should treat anyone like this!!!!!!!!! People are so up in arms about the check cashing places but they charge $15.00 for $100.00 and NCB can take $15.00 for a penny being overdrawn!!!!!