By Sarah Mirando  |  April 4, 2011

Category: Legal News

 

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National City Bank (PNC) Overdraft Fee Class Action Settlement 

 

By Kimberly Mirando


National City PNC Bank

National City Bank and PNC Bank (PNC) have reached a $12 million class action lawsuit settlement concerning illegal overdraft fees. If you paid overdraft fees to National City (including accounts transferred to PNC when it merged with National City in November 2009), you may be eligible to receive a cash payment from the class action settlement that could be as much as $100 or more.

 

According to the National City Bank class action lawsuit settlement, titled Trombley, et al. v. National City Bank, et al., National City improperly assessed overdraft fees for insufficient funds on debit card purchases and ATM withdrawals in a number of ways that were unlawful, including by “re-sequencing” transactions in order to maximize the number of overdraft fees. The lawsuit alleges that these practices were unlawful and caused financial injury.

 

You’re considered a class member of the National City overdraft fee settlement if you hold or ever held a National City Account and at any time from July 1, 2005 through August 15, 2010 incurred at least one Overdraft Fee associated with at least one National City Debit Card Transaction that was not previously reversed, refunded or returned. (The settlement does not apply to any PNC accounts that were opened for the first time through PNC or one of PNC’s predecessor banks other than National City. It does, however apply to National City account holders who were charged fees before or after National City was merged into PNC.)

 

As part of the $12 million National City class action settlement, National City will pay class members $36 for each eligible Overdraft Fee they incurred during the class period. However, if the number of people filing claims is small enough, you may be able to receive up to three times this amount!

 

All you have to do to receive your share of the National City cash settlement is to submit a valid claim form no later than August 26, 2011 either by submitting it online at www.NationalCityClass.com or mailing it to the Settlement Administrator. (Claim forms can be found here.)

 

For detailed information on how to file a valid claim form and receive your share of the National City Bank Overdraft Fee Class Action Lawsuit Settlement, go to our Open Lawsuit Settlements section.

 

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Updated April 4th, 2011

 

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183 thoughts onNational City Bank (PNC) Overdraft Fee Class Action Settlement

  1. Christiania Davis says:

    I received information to pick the months. But I never received any settlement? Could you please have someone contact me with information? Email. Preferably??

  2. Chris says:

    I wish I would have known that national city had a class action lawsuit on overdraft fees I paid over 3000.00 in overdraft fees when I opened my account in 2007 I had to pay them a little over 1200.00 in overdraft fees from an account i had with them in 2006 they charged me 36 dollars and 8 dollars a day on top of that and a little over 300.00 turned into 1200.00 before they stopped charging me.so when I reopened my account with them (I had to pay this because no other bank would take me until I paid it)between 2007 and 2008 they started charging overdraft fees again even though I had the money in my savings account so if I didn’t look at my account for a couple days they had charged me a couple hundred in fees and also 8 dollars a day. I sure wish I would have known this it would have been nice to get them back.

  3. David Henderson says:

    Do you know the overdraft issue is still going on even years after the setllement ?

    1. Top Class Actions says:

      Here is a TCA investigation article about excessive overdraft fee practices: https://topclassactions.com/lawsuit-settlements/lawsuit-news/62084-credit-union-overdraft-fees-class-action-lawsuit-investigation/. The article includes a form you can fill out to determine if you qualify to participate in a class action investigation. Please be as detailed as possible. Attorneys review the forms and will contact you directly if you qualify.

      1. Daniel Anderson says:

        Please make sure I am included in the class oction lawsuits

        1. Daniel Anderson says:

          I have 12 overdraft charges on my account by pnc even tho my account isnot over drown I have a $500 overdraft protection but they delay my Payments’s so that if you use any portions before they credit your account you will be charge $36

    2. Bob McGrath says:

      Just had that conversation with PNC after they double “charged” me on Amazon purchases. The result was going back to the first purchase of the day and when they added the overdraft fee it kept reducing my account. The irony is that they were blaming Amazon for the way they submit charges but after agreeing to drop those charges on my account, they got the same as I had before this happened.

  4. jamie says:

    That is so funny. You MUST work there because you sound just exactly like the a#@holes at the local branch. I was a caseworker at the time this was going on (maybe it still is- wouldn’t doubt it) for individuals who had just gained total guardianship for themselves, usually for the first time in their lives. We liked to help them with finances and always offered, but often times they wanted to feel the pride of handling everything on their own- and they were legally free to do so at that point. Countless times I ended up at your bank with clients who had to call for me for help because they had lost their entire paychecks to your bank. It was NOT always that the person did not have the money in their account to cover the money they spent. It was you a#@holes paying out all the bills they had due on payday 5 minutes BEFORE you deposited their paychecks, KNOWING the money was on its way. THEN, you paid the largest bill first (TO HELP, one of you explained, because the largest bills are usually the most important, like a mortgage…BS- you were just making sure you got the highest number of overdrafts possible). That way the bank wiped out any money left in the account only minutes before payday, so that there was nothing left in the account to cover the 5 other, smaller bills coming out on payday. It was always the same, the bills got taken out at 12:01 a.m., and the paycheck got deposited at 12:05. Seriously, you should have held out for a better job so you could keep your morality. Don’t kid yourself. And as far as those who do have a hard time balancing their checkbooks or those who are having an extremely hard time financially- those are the poor people who may spend money on milk or diapers- hoping to get paid before the transaction goes through- those are the people big banks want to f#$@ over just to make themselves richer? You take advantage of the people who cant feed their children when you play these pending, holding, rearranging games and steal their entire paycheck that they worked 40 hours for. Special place in h#ll for you. I had to try to explain to these people that they were NOT failures, that it was not their fault that you took the bills out before their paycheck arrived. But, it was a great lesson for them to learn that there is always someone out there willing to scam them out of their money. You really never felt guilty? Especially when a single mom came into your branch crying because you’d stolen her entire paycheck just because she made the mistake of forgetting that she stopped at the store a couple times a week ago and didn’t write it down. Because your bank held those charges for 7 or 8 days, hoping she didn’t write them down, and didn’t remember them, so you could wait until she had only $1.00 left in her account to purposely throw those charges in as a little surprise to her a week after the transaction. But do you care that you’ve charged her $600 for covering her 3 transactions at $1.25 each. Nope, your condescending to her, and you make her feel like she is a loser for not balancing her checkbook, or a criminal making fraudulent purchases. Do you REALLY have to double your OD charges every 3 days or every 5 days when obviously the person cant afford to even pay the initial OD until they get paid again. YOU are pathetic. So don’t get all high and mighty putting down the people who may be less fortunate, or even less intelligent than you are.

  5. Gloria says:

    PNC is still charging overdraft fees to their benefit. I just had 3 overdraft charges to my account today. I deposited money Saturday, and it posted on 7/20/2015. That is what is saying on my account. When I called customer service to find out why I had these charges when It is not showing that I am in the red at all! She claimed that it was my mortgage payment that caused the overdraft and that my deposit didnt post until today. I had the money in the account for my mortgage payment and my cable bill. She saying that after the other withdraws it caused my account to go over. It;s not true. I even printed out my account info to show that I am not in the red at all and that I had the money in there to cover my bills. So, how do I file a complaint with PNC. This is unfair. I want to get rid of this account in the worst way. Please help!!

    1. Kimberly says:

      I just went through the exact thing today! What can I do. They owe me $180.

  6. Robin Cissell says:

    I would like to know , how is a $13.44 check going to pay me back for all the money they have taken and are Still taking .I get paid on a Thursday and they pend my paycheck until Monday and have made a lot of my stuff over Draft and they send me a check for $13.44 when every charge was over $34 and I can’t even remember the charges when it was National City.I think it’s time for me and my whole family to change banks.I work too hard for them to take my money from me and always has some kind of excuse for it.

  7. Doralee Smith says:

    I want my money asap. They want their money now. Please put a fire underneath their asses.

  8. Donna Perna says:

    pnc has taken thousands of dollars from me from 2003 until now. If I have pending transaction and squeak the through not to mention the daily charges

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