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	Robert J Anastasia 26 School St Salamanca New York 14779 Complaint: When I applied for a credit card ,National City looked into my credit rating and issued me a card at 4.75%(fixed). Two years later even though I always pay above the amount due each month, and haven't missed a payment, I recieved quite a surprise.Recently National City decided to go into my credit rating again and found some discrepencies which I am sure were there in the first record search.They (National City) raised my int rate to 23.9%. Its hard to believe a company has the right to invade my privacy , and acccess my credit report at their convenience, and further more the ability to restructure the contract that we had .

	Lisa Texas Complaint: I applied for a National City card online. I was approved for 5000. I give them all my correct information. Several years later, I asked for a credit increased. National City looked at my credit report and closed my account.National City NEEDS to research people credit report closely the first time.

	Stephen C. Elliott EmailAddress: stephenelliott60@hotmail.com Complaint: National City Bank failed to send me a statement for 2 months. Then they charged me late and overage fees and raised my interest. Two other credit card companies raised their rates in collusion with National City even though my payments were on time and more than the minimum. By the time I found out my payment with N.C.B. was behind I was in big trouble. N.C.B. claimed their first statement was returned by the post office even though they could not prove it since they didn't keep the return envelope. Then they said they didn't bother to mail the next statement because the previous one was returned. The post office said they would not have returned the statement for the reason given - a change in the four digits added after the zip code. If what they were saying was true, they should have notified me immediately when the statement was returned instead of waiting untill I was 2 payments late. The other two companies should have called me before they raised their rat! es to give me a chance to explain. I now refuse to pay anything to any of them until they "collude" together to straghten out the mess. Now they call me everyday but they still want to charge me the added interest. What can I do? I turned the matter over to Emergency Debt Relief settlement company but they said they will not deal with them. Is there any way to force them to take responsibility for the mess they caused by not mailing the statements or notifying me promptly. They said Ishould have made the payments anyway and the statements are only a courtesy. I explained to them that due to a stroke 2 years ago I simply file bills in order of due date and pay them as they come due. If I don't get a bill then they don't get a payment.

	Hi Paknik 892 Laurel Bend Ct nellville Ga 30039 Phone: 972-8589 EmailAddress: hpaknik@hotmail.com Complaint_against: National City Complaint: I have had a credit card with National City for over five years with a fair interest rate of 9.09%. My payments have always been well above the minimum sometimes even paying the balance off of several thousand dollars. Recently My wife and I decided to remodel the kitchen and cedited approx $6700.00 on the National City Card. Without notice National City More then doubled our interest rates and finance charges to 19%.Calling to complain I was told they periodically review credit and make ajusments to interest rates charged. I was also told I could always transfer my balance to another card and close my account with a 3% penelty.This is classic fraud in my oppinion waiting until a customer charges a hefty amount on their card and then doubling their rates. I can only imagine how many people they do this to. I need help and advice.

	Shelly E. Kentucky Complaint_against: National City Complaint: I have had a card with National City since 1993. I have paid this card to zero countless times and I have never had a late payment or over-the-limit charge. I had a very reasonable 9% on this card only to have it jacked up to 20% a couple of months ago. Their explanation is it is "index repricing" and that my credit is not an issue. I have great credit and a great score. My husband and I made a large purchase on this card and we are now wanting to move the balance. Our concern is if we have another inquiry on our bureau will our other card jack their rate. Help.....this is insane that the credit card issuers have been permitted to make up these creative ways to screw consumers over.
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	Cindy Laguna Niquel, CA Complaint_against: National City Bank Complaint: After being a good customer with National City Bank, they have ruined my credit and are suing me. I tried to make a payment online the day before it was due and it didn't except my payment my account ended up with a late fee and over limit fees I could not pay the huge payment they were requesting . I tried to get on a program with them for months to pay them back and was denied, they would not work with a credit counselor or debt negotiating company I made every attempt to correct my account which was really there mistake from the beginning. They have ruined my credit and still continue to send me letters offering me a program that they denied me even after they started litigation. I was treated dreadfully by their customer service and managers and my character attacked. They are a horrible bank and treat people awful.
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	Anonymous ittsburgh Complaint_against: National City Complaint: OK, so I had this home equity credit card that came with my mortgage. I never used the thing, and they charged $50 per year "membership fee". Not so bad, although I don't remember them telling me about that fee when I got the mortgage.So I'm coming up on the third anniversary of the credit card and I call them to ask about the procedure to cancel the card. I follow the instructions (I need to fax in a letter, blah blah blah). But my next statement for the card has a cancelation fee of $350 that they did not mention on the phone. They said it was part of the original contract. I go back and look, and yes, they are right, it is there - 36 month minimum term on the card.The bummer is that I was within 2 weeks of the 36 month term, and no one mentioned anything. I tried to dispute the charge, etc, but they don't really acknowledge the complaint and continue to charge interest on the $350. I'd be happy to reopen the card, pay another annual fee, etc. Bottom line - very bad customer service, and it ends up as your fault, not theirs. No flexibility from them at all. So now I am closing all my accounts with NC.
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	Cindy Laguna Niquel, CA Complaint_against: National City Bank Complaint: After being a good customer with National City Bank, they have ruined my credit and are suing me. I tried to make a payment online the day before it was due and it didn't except my payment my account ended up with a late fee and over limit fees I could not pay the huge payment they were requesting . I tried to get on a program with them for months to pay them back and was denied, they would not work with a credit counselor or debt negotiating company I made every attempt to correct my account which was really there mistake from the beginning. They have ruined my credit and still continue to send me letters offering me a program that they denied me even after they started litigation. I was treated dreadfully by their customer service and managers and my character attacked. They are a horrible bank and treat people awful.