Personal Finance

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Address:
1900 East Ninth Street, Cleveland, OH 44114

Details:
National City Corporation is an $85 billion diversified financial services company headquartered in Cleveland, Ohio. National City operates banks and other financial service subsidiaries principally in Ohio, Michigan, Pennsylvania, Indiana, Kentucky and Illinois.

When National City bought out Fidelity Federal I was in for a shock. Even though I did not have an account, I used to cash my payroll checks there with no problems. When NatCity (aka NatCi read: Nazi) moved into town, all of the sudden they required 2 forms of I.D., a fingerprint,(about this time I am wondering if they are going to request a complete blood workup and my latest colo-rectal scan) and here’s the whopper: a ten dollar fee per check to cash it if a person does not have a personal account with them. What if the check is drawn on NatCi? Doesn’t matter, the ten dollar fee still applies. Sometimes I cash 5 checks at one time. Does that mean I have to give them $50.00 for the privilege? Yep, sure do. Needless to say, I was in shock and definitely missing the kinder, gentler ways of Fidelity Federal. Along with the “Your papers, please.” treatment, I was beginning to feel the NatCi boot up my rear end. Apparently some other people were in shock along with me because an older man in work clothes began to get upset with a teller about all this and someone behind the glass must of panicked and pushed the button. As I was leaving, the police started forming a perimeter around the branch, sneaking stealthily against the walls with hands on guns. So much for first impressions. Their advertising slogan was a green sign that said “Say Hello,” yet I was looking forward to “Saying Goodbye.”

Many months later, NatCi started heavily advertising a 5.00% rate for a 4 year CD. That was higher than anyone else was paying at the time, so after weeks of deliberation because I still had a bad taste in my mouth from NatCi, I decided to bite. I went into a branch in an upscale part of town and there I encountered Carol A. She looked pleasant enough, but dealing with her soon became an exercise in exasperation. The whole ordeal left me so upset and furious that I immediately went home and spent hours writing 8 unlined pages of everything that went wrong. I only wanted to deposit a little over 100k in 2 C.D.’s and a savings account. First she disagreed with me and the teller about the promotion, saying it was over even though newspaper ads and their own printed ads which were in stacks all over the branch clearly stated the promotion was still effect (and it continued to run for at least a month after that). OK, I figure, maybe she is just having a bad day, I’ll cut her some slack and see how the rest of the transaction goes. We went to her desk to open my new accounts. We discuss what I will open, for what term and what rate. So far, we are at agreement on this. I give her $1500.00 to open the savings account and a check for 95K for one CD. The CD is nothing but a printed sheet of paper she fills out on her computer, that she folded up and put in a flimsy plastic sheath. Thank God, I had the presence of mind to take the paper out and look at it because she set me up for a 90K CD. Hmmm, 5K just vanished into thin air. What happened here? When I brought it to her attention, she got a little miffed and then corrected it. She hand wrote 1500 on a blank passbook and handed it to me. I thought a computer was supposed to generate the figure, but that’s OK, I’ll let it slide. Then comes the fun part. After the 2 other accounts are opened, I am ready to open my 4K Roth IRA and she tells me that the rate is going to be less than what we just agreed on! Sorry Carol, but the ad clearly says new IRA’s are included in the promotional rate, and you also verbally agreed. At my protest, she goes through this rigmarole of calling different departments starting off her queries with a negative as in “We don’t do this, do we…” and coming back with a smile and a No. She wouldn’t even listen to reason or read clearly what the fine print on the ad was saying which I kept pointing out to her and she kept smiling, nodding and saying “No.” At this point, I am feeling like this is some kind of personal vindictiveness on her part. I am truly wondering if I should just nix the whole deal and close all accounts because I surely won’t be opening up the IRA. I was not given any paperwork with the accounts, the usual legal agreement papers that outline schedule of fees and terms and other legal items. I was not even given any National City brochures. Just a passbook and one sheet of typewritten paper in a plastic sheath. I get a little shaky thinking this is some kind of a shady outfit. I ask her if there are any fees or charges if I close the accounts in a day or two. She said she could close them right now without a charge. I said but what about in a day or two, I want to think about this, what about the Federal 3 Day Right of Rescission. She said she never heard of it and began calling different departments for instructions again. She said it didn’t apply. Head-ached and stunned by the sheer volume of her ineptitude, I stupidly decided to keep the 2 accounts.

At this point she has just procured over 96K for NatCi so I ask what kind of new customer gift does she have for me. I had to ask because she wasn’t offering. Mind you, for months NatCi had all kind of new account gifts on display like tote bags, duffel bags, radios, calculators, coolers, gift baskets, etc. She comes back out with both hands proudly holding a 15 cent green plastic piggy bank. I was flummoxed, not only because it was insultingly cheap, but because she held it out in both hands as if she carried a precious jewel worthy for the king’s consideration. Was I supposed to ‘Ooooh’ and ‘Ahhh?’ It was so utterly ridiculous and insulting, I asked if she had any better gifts to which she replied she did not. I reminded her that she just procured 96K of my money and she still answered in the negative. The whole scene was such a surreal visit to an Alice in Wonderland like reality that I decided to follow the rabbit deeper down the hole and have some fun with this Mad Hatter of an account rep. It was then that I dared to ask for a second pig. On cue, the Mad Hatter, repeated told me “No” while smiling and explaining it wasn’t allowed. When I protested , she began furiously dialing other departments asking for permission (yes, permission!) to give me a second plastic 15 cent pig. Whether she actually had the guts to ask a colleague that question or just pretended to, I can only guess. Maybe she has to ask permission to go to the toilet, too. I walked out with scowl on face and pig in hand while Carol A. sat grinning victoriously. She had won. I walked away with nothing but a bad headache.

I drove a mile down the road and then the light went on. “Wait a minute,” I thought. Carol is going to get points for this or a bonus for whatever money she pulls in. Did I really want to see that smarmy wacko profit from the tortuous hell she put me through? I think not! I victoriously turned around, marched back in the bank with pig in hand ready to kill the deal and snatch her bonus from her jaws. Of course, battle ready til the end, she made me wait 20 minutes to see her while she dilly-dallied. When she finally crossed the lobby to come greet me, she loudly proclaimed for the entire bank, employees and customers alike to hear “Is this about the pig?! I have found out that it is OK to give you a second pig!” Obviously she tried to embarrass me, but I was unfazed. No Carol, I calmly said, this isn’t about the pig. I want to close the accounts. Don’t think this undid her, as she unbelievably had more torture planned. She sweetly said with a smile I would have to wait as the transaction was done under another teller’s number and that teller just went out to lunch and there was nothing poor, sweet Carol could do. I said that was fine, I would wait. Then she added, that the teller just left and she didn’t know when she would be back, it could be a half hour it could be an hour. Unruffled, I again calmly replied that was fine, I could wait. She went into the backroom and came back several minutes later, obviously holding back tears, red in the face, and sniffling, saying that miraculously the teller came back early and she could complete the transaction. Now I knew and she knew there was no lunching teller that just showed up because all the tellers were behind glass and I could see who was there at all times. I also knew Carol A. had originally opened the accounts, and this was all part of her sadistic game.

Carol A. got transferred out of the Singer Island branch, but it wasn’t because of me. You see, NatCi wouldn’t take my complaint unless I mailed in a letter! I wasn’t about to waste more time typing an 8 page letter and a stamp on this matter as it already had made me mad for long enough. And I was seriously doubting whether anyone at NatCi would even care. Now you know.

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