If you are a home owner or small business owner do not get a mortgage or equity line of credit from National City Bank!

 

My experience is not unique as I know a number of people who have had simmilar experiences with this company.

 

I have both a mortage and equity line of credit with these people. One day we 
recieved a call from NC and were threatened send in our payment that was late. The hostility was unbelievable. I calmly explained I had sent sent the payment and gave them the check number. They agrily insisted I had not and basicall aacused me of lying. Now keep in mind I have never missed a payment. I sent them the cancelled check and several days later, after 3 more threatening calls, they found they had misallocated the payment to the wrong account. It was their fault. Did they appologize? NO!. They called back and told me they found the check but if I am late in the future action would be taken. IT WAS THEIR FAULT!!!
These people are incompetent, rude and generally disgusting idiots!!

  My equity line of credit  started at $106,0000. I paid it down to 20,000 within a few months. I have never missed a payment. One day I got a 'courtesy' call from NC that I was late and if I did a check by phone I could avoid late charges. I did this and it cost $15.00 extra for the service. 3 days later my pregnant wife answered a call that ended with her in tears. It was National City calling to demanding to know why the payment was a few days late (this is after the payment has been made). My wife did not know but she said it was probably an oversight on my part. They responded with excessive anger and told her that people like her should not be loaned money and that our credit rating was going to be trashed. Also, she's the reason mortgage companies are failing. She was so upset by their tone that she cried for some time after hanging up wich elevated her blood pressure to dangerous levels (she has pre-eclampsia).
2 days later we recieved a extremely nasty letter stating that out equity line was being cancelled because we do not honor our agreements. We paid over $97,000 in less than a year!!!!!  Not honour our agreements???
Also, I have paid off one mortgage with them entirely and currently have another one for 450,000 that I have never missed a payment on. In fact, I always pay more than the minimum. When I called to complain the woman was so rude I hung up called a different person. This person was at least friendly and told me that our loan was terminated due to the current mortgage crisis. National City punishes the people who pay their debts because of people who don't?? That makes zero sense. She told me that thats the way it is and there is absolutely nothing I can do about it. I called various support numbers and wrote a number of letters but could not get a hold of anyone higher than a phone operator. I then lodged a BBB complaint. That got their attention. They were clealy pissed off on the phone and were entirely unccooperative. I don't know how these people get away with being so abusive!! I had been polite up until then but this time I told them to go f%*& themselves. As promised they trashed my near perfect credit rating. I managed 30 years building excellent credit and it was destroyed in one day!!!!   

     My only solace is that I have so far manged to convince three people not to do business with them. It's not a lot and I'm sure they don't give a $%$#, but it makes me feel better. I will continue my campaign to warn people off of National City using every means I can. No one should have to go through this garbage. In closing, I believe I have never hated anything as much as I hate this company, but one thing is certain...they don't give a f%$&&^.