My question involves a banking matter in the State of Michigan with regards to national city bank. I am interested in any and all information related to class action lawsuits against national city bank regarding overdraft fraud. If anyone can point me towards any ongoing cases of this nature or especially any opportunity to participate in a class action lawsuit against nationalcity bank I would appreciate it. Perhaps a group of like minded individuals exists who would like to get the ball rolling?
I have had an online bank account with national city for about three years. I have noticed what appears to be serious discrepancy in their book keeping. There have been times when I overdrew my account and paid the $34.00 fine without question but I began to notice some time ago that my online history of credits and debits shifts in mysterious ways. For example when I view my balance Tuesday I will see debits A, B, C, D and E listed in the expected order of purchase and processed as debits against my balance. When I view again Wednesday I will see the same debits but in a different order for example A, C, D, B, E and a new debit F.
Now debit F will cause an overdraft charge in the sequence of A, C, D, B, E, F and would not have caused an overcharge in the original sequence of A, B, C, D, E, F. In addition the running history of my account balance will be listed 'unavailable' for extended periods of time often more than 24 hours right around the time that overdraft charges are incurred. Recently this pattern seems to be escalating as I recently noted X balance in my account, made two purchases totalling .3 of X over the course of five days, and now find a negative balance including two $34 overdraft fees. Please refrain from comments about past purchases and late processing from vendors. My question here relates to changes in the sequence of previously processed debits.
To me it seems that if I can produce a record of a history of this pattern, stating an account balance with history and subsequently changing that history and rearranging the order or debits to bring about an overdraft, that could be actionable. I appreciate any thoughts on this subject.