What a waste of time & money. I was an ING Direct fan until trying to refi my home starting 3/13/12. Despite my 815 credit score, more equity in the home than the loan request, ample documented investments that would allow me to pay off the loan if needed, & great income to debt ratios, I could not keep up with ING's over-the-top requests for documentation. They have a terrible website that is supposed to give up-to-the-minute information on the loan doc requirements. It was redundant, contradictory, & confusing. After over a month of complying with every request, ING decided they wanted to see 'stamped certified' 2011 tax returns (I had already provided 2009 & 2010) for my business and personal. This involves filing the returns at an IRS office where they physically stamp the return to show it was actually filed. I asked ING if this was the last documentation they would need because I had provided so much already. They assured me it was. At that point we were fast approaching the deadline for the lock to expire, so I had to make special arrangements with my CPA to rush the returns. He said that the IRS no longer provides 'stamped certified' copies because they require businesses to file electronically but they do provide a receipt showing the taxpayer name & a tracking control number to verify submission. Upon receiving everything from my CPA, I emailed the returns with ALL schedules (6 for business, 13 for personal) to ING along with the IRS receipts. Several days later, I discovered that this wasn't good enough either. They now wanted a copy of the canx check to the IRS to match the taxes shown as due because they didn't accept the IRS receipt as proof that the returns had been filed. The check hadn't even cleared & it wd hv taken 2 weeks to get a copy of the canx check from the bank. Who knows if even that would have been enough? ING was unwilling to budge so I decided to terminate the process & close all accounts with them. I urge you not to do biz with ING.
Went down to my local Aldi store for some midweek shopping. Horrified when the card was declined at the checkout. Really embarrassed i step outside to check the balance on my phone; plenty of money. So i called the number on my card. We are really sorry but there have been a few issues today. You don't say. I can't help you because i can't bring up your transaction history. Does that mean she couldn't access me account?
The voice on the phone said go to Atm and you should be fine. Clearly she had no idea what the problem was. Went to the first Atm said card was expired! Really? I've only had this card for a month. The 2nd Atm went and swallowed my card! Ing direct fail!
I opened a non-taxable savings account - telling ING the money was taxed in France and I wanted to know the best account. ING said the tax free account in Canada. When I went down to pay the cheque, I ensured ING knew the money was from France and I was not a resident. Now the Canadian government is charging me 12 percent interest per year on the money meaning all the money earned in the "tax free" account is gone as well as my principle. ING knew I did not work in Canada. They set me up to bankrupt me. Then when I call to tell them they tell me it is my fault - their people did not do their job and it is my fault. I no longer have any savings and ING is the reason. ING does not admit to mistakes and ING refuses to correct its errors. Never bank with ING.