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PNC Bank

United States

Consumer complaints and reviews about PNC Bank

jmmp1059 Send email
 
Jul 29, 2018

Customer service

This bank will give you the worst customer service on a good day they do not train the folks and they do not care about customers most concerning is they will take money from your account if you do not micro manage them they make lots of mistakes I am trying to close my accounts by paying my mortgage ahead of schedule and they want to charge me a fee I read online that they have had issues doing this to customers
jeffwilliams Send email
 
Jul 5, 2018

PNC Bank Lies - I got Screwed

I'm a 43 year old Canadian who moved to Pittsburgh 1.5 years ago and am trying to build my credit here. I'm here to open the US office of my engineering company.

As I have NO credit history in the US and was declined for normal credit cards, PNC told me a year ago that if I get one of their prepaid Visa cards, I will have built enough credit after 6 months to be approved for an "adult" Visa. Lie #1. I used it for twice as long (1 year), paid it off twice monthly and was still declined a grownup Visa. I escalated this to their management and they insisted I don't have enough credit history and blamed their underwriters. Despite me threatening to take my company and personal business elsewhere, they maintained their position.

So, I got a grownup Visa elsewhere without issue and went in today (two weeks later) to cancel the Visa. I'll be moving my other accounts ASAP. They told me that when cancelling their Visa it will delete all my credit history, so basically I wasted the last year of my life trying to build credit. LIE #2. My whole intent was to build my credit and they screwed me over completely without any care. I'd like to buy a house in the US and now I've lost an entire year of credit history - this screws over my entire family.

Dealing with PNC has been an atrocity from day 1, but this really puts me over the edge. I would recommend no one waste their time like I did and just go somewhere else where you'll be treated with respect.
rfilmore Send email
 
Jun 22, 2018

dispute dept

To whom it may concern,

I filled a dispute Friday June 15th, 2018 against a mechanic shop that I paid for a service back in March 2018. I paid $721.??, to get my car fixed. I have been back to that same mechanic shop several times because the issue was not resolved. Every time I call and tell them I have the same issue, they say bring that care back in. I take the car as requested and still nothing has been resolved! I was told by the manager to go to the Chevy dealer and have them reset the computer in my car and this SHOULD resolve the issue. I called and made an appt and went to the closest Chevy dealer to my home and was told that not only was the original issues still an issue, but I had another issue with my car. I paid for lesser of the 2 issues of course and asked for the print out of the diagnostics to show the other shop that my car was having the same problem that I already paid them for. I called the shop and told them what the dealership stated and that my car still was having the same issue as before and they stated there was no way that the car can still be reading the same error code and they did their part. I asked for a refund and was told no. After filing a dispute with your company, I had to go to the branch due to my car being cancelled and get a new one and then sit down and call all my merchants that I have recurring payments with and change my account info with them. Then I had to called you guys to find out that my claim was denied because the type of dispute that was I making. Your bank apparently doesn't dispute that type of service. What type of crap is that?!? I'm not asking PNC for THEIR money! I want MY money back from this mechanic that claimed he fixed my issue and has not! I want to pay the dealership with the funds that they give me back. It is not right that you all are not trying to assist. No I have not banked with you guys long and no I don't have thousands or millions of dollars in this bank. However, I do trust you enough to hold my money and treat me fairly. No true investigation was done, you just simply denied my dispute. And on top of all this crap, I can't even talk to the dispute department?!? What load of BS is that??? I seriously doubt that this email even gets read, so once again, I'm more than likely wasting my time in trying to get help from a bank that BBB has graded an F. No worries. I can promise that I will be changing my bank IMMEDIATELY if you all can not help me. No, this is not a threat and I know you can care less if 1 customer is gone. But I will bash this bank on all of my social media including , facebook, instagram, snap-chat, and my very strong following on youtube. I will make sure that everyone knows exactly how you treat your customers. I am so happy that my youtube checks don't come here. Capital One and USAA has never denied my claim because of the type of service. I paid for something and did not get what I paid for in return. It's simple. I deserve my money back! Like I said before, I'm doubtful that anything will come of this letter, but just in case your company actually cares for its customers, my contact info is below.

Raquel Filmore
386.290.9197
6819 sturbridge dr
parkville md 21234

gave branch person all info i had to be faxed to dispute dept.
Jeffrey3542 Send email
 
Jun 22, 2018

Lewis Center

I am a local manager and needed change for a $100 bill 6-22-18 at 10am. I went to the location on route 23 here in Lewis Center Ohio and the one teller (found out later she was actually the manager Alena not sure of spelling) was busy trying to speak with a customer on how to improve his account which is fine and I waited approx. 10 minutes. When I asked for change she said she needed acct. info. which is silly for just change. HOWEVER - I have a signature acct. and my wife has a checking acct. with PNC and she stated 'sorry you personally do not have a deposit acct. with us so I can't give you change'. I have informed my wife we are closing our acct. paying off signature loan early and will be switching banks.....absolutely ridiculous.
-Mr. Nelson
614-778-4588
Richard Davis Send email
 
Jun 16, 2018

Unprofessional employee

I walked into the pnc branch on 145 saxer Ave Springfield pa 19064 being helped an employee of by name Mary Dennis she smell like exactly like marijuana and I do not appreciate it one bit I’m not sure if she was high but someone should test her
Llahotski Send email
 
Jun 15, 2018

Atm

Update the atm at the location of State Street Clarks Summit, pa, 18411. I tried to deposit 9 paychecks, I was there waiting for my "transaction to be processed" for 15 minutes. I couldn't cancel, the button was non responsive. In fear that I would not get my paychecks or card back, I started slowly hitting Any button that would respond. Finally, I got some paychecks back, not all.
Afrye Send email
 
May 30, 2018

Cannot Get Lien Removed from Auto Tittle

Ok listen up folks if you are considering doing any business with PNC. My experience to date: back in 2004 bought a truck, financed thu National City Bank. Later bought by PNC so our payments in latter part went to PNC. Paid off long, well many years ago. Truck got wrecked recently, needed Tittle, couldn’t find it. To Tittle office for copy....but they tell us National City holds a lien on it still after all these years. They said, it happens, just tell Bank to send not on their Letterhead saying loan paid with vin no and model and we will release your Tittle copy to you. I started the process on May 22 and still waiting for resolution. This is PNC’s responsibility to clear since they took over the National City Loan! I have spoken to a total of 4 “Resolution Case Workers” 2 of these looked up my information and agreed the loan was paid in full years ago. SAID they would send letterhead, I gave them the fax number several times but so far nothing. PNC has NO legal hold on my truck yet has not released it! What a fiasco! One agent said she would fax it but it would take 45 minutes. I said fine! Never came...yes they have correct number... think carefully befor you involve your self with this institution. I know I will NOT consider them. STILL WAITING IN HENDERSONVILLE
Cmorales33 Send email
 
May 3, 2018

Unauthorized funds withdraw

Due to the new loan department transition lots and lots of error are being made. In my case I made a original loan payment amount through online banking on Pnc website and the received a letter saying that there is additional fees. I call CS and I was informed that that's an error due to the transition their loan department is going through just make the original payment. I did but the I see this addition amount for the principal of the loan being withdraw. So I call again CS and request the funds to be refunded they said they would 24 to 48 hrs. Came Monday nothing I call again CS tells me it was requested but takes 7 to 10 business days, I wait nothing I send and email. They reply call the loan Dept I do I'm then informed that it was requested but not submitted. So now I'm 3 weeks in other bills due and nothing. So I email again they tell me that it was sent to escalated account management. They tried to contact me oh so they think cause now they are calling the wrong number . I get an email to my personal email account saying they have tried contacting me several times but I can be reached they tell me the number that they have been calling and it's incorrect. Now I call back no answer I leave a detailed message haven't heard from them yet. No here I am 1 whole month later nothing has happen no funds requested returned no contact with anyone if the would have looked at my account and see my number maybe this would have been resolved. So frustrated I no longer care if they return the fund or keep it towards my loan. The point is terrible communication lack of information throughout the system poor empathy for those that work hard and have to live on certain amount and things like this happens and turns everything upside down. Which the only thing that should have happen since the beginning is give me my money back.
Cnana1999 Send email
 
Mar 21, 2018

Over draft fees

Ok, PNC charges you $36.00 for item of insufficient funds, then $7.00 for everyday account in the red...Now plz follow closely, you have no over draft protection account so item should have been returned.( but it wasn't) So, for the next 10days you accur additional fees for balance in the red...OK, now you reach out to find out how this is, their response is we paid your checks and $36.00 was assested to your account, but I don't have over draft protection? Oh, yes you do, ok when I only have one account checking. Then i say so it's like a line of credit then, because what banks going to just keep doing this without a limit. So, I can write a $5,000.00 or $10,000.00 check and you clear it. That's insane, what if you never get another penny in the account, so that's why all the banks are in trouble now because of over charging bank fees... This needs to stop , a honest over site will cost more then the difference. I want my money back.!!! NOW...
jrose0915 Send email
 
Jan 12, 2018

HORRIBLE - AWFUL - RIDICULOUS

Upon conclusion of the Christmas and Holiday season ; I had gone to the Penn Hills branch on Saltsburg Road to make a deposit via the ATM. This deposit included 3 checks (one from my parent and 2 from my grandmother as gifts for our children for Christmas) - Long story short - The ATM malfunctioned and ate all 3 checks (that were all in the same deposit) - as well as my ATM card. When I went into the branch to report the matter, I was told by the teller that there was nothing she could do then, as they do not directly service, nor have access to their ATM machines ??? She advised she could file a dispute regarding - and when the 'third party' company comes to retrieve and/or open the ATM - 'if' the checks were found, they would contact me..... I provided the total amount of all 3 checks to her in order to file the "dispute." - (On a side note, the fact that PNC employees do not have access nor are able to open their own ATM machines is absurd to me) - As in my opinion, this could have been resolved immediately by opening the ATM and fixing the machine's jam to retrieve my deposit. - When I then heard nothing for over a week, I called the branch and spoke to Natalie, who is apparently the manager there .... She then more-or-less told me that what I was told initially by the other teller at the time this occurred, was incorrect.... And that the dispute can take up to 90 days to resolve - but they may approve a 'Provisional Credit' to be applied in the meantime... She did put a request in to the 'escalation' team that was to now help and assist .... Long story short from here ... I received a letter stating that the credit would be put into my account until the matter was investigated... ok, great, fine....You would thing O, that's great... But O no, don't get too excited for me as of yet ; I then received a letter in the mail from PNC stating the investigation was over and they only found 2 of the 3 checks - And more or less accusing me of false information provided !!! ????!!!! - Again, that's funny - ALL OF THE CHECKS WERE TOGETHER IN THE SAME DEPOSIT!!! - So just maybe - Your "Third Party Service" who you apparently trust more than your own employees to service your ATM's, PNC STOLE IT perhaps ??? When I called into PNC by the number indicated on the letter - after being on hold for about 30 minutes - I was told they could not help me, that I needed to talk to the "back office" ? I should also mention that my mother/writer of the checks has been watching and none of them have yet to show as processed / deposited or accounted for in her and my grandmother's account as of yet either ... Therefore, you would think it could be as easy as her stopping payment on them and simply write new ones ; However, the inconvenience and potential fees come along with that as well ..... ! Needless to say, this matter is still not resolved and is COMPLETELY RIDICULOUS that this has been ongoing for almost a month now. - As of this morning, I called this "Back Office" and was routed to Peter, at the Sewickley branch location.... He is apparently to call me back later today with further information on.... Ha, yeah, cant wait to see what I am told next.... Ultimately, if you bank with PNC - GET OUT NOW ! The minute this is resolved I am taking myself, my money and anyone along with me that I know to get as far away as possible from any association with this DISRESPECTFUL, UNPROFESSIONAL, IGNORANT and LAZY banking institution. -
teetums15 Send email
 
Dec 12, 2017

Beneficiary

I am a Lancaster Ohio resident that recently lost my signicant other. We were not married. We lived together for the lase 30 years of our lives. My name is Stephen Hampton. I live at 900 Maher Dr. My significant other passed away last year. I am her sole beneficiary. Her name is Teresa Kincaid (274-58-4778). She died on 12-05-16. I have asked your bank to please do what is right and relegate her funds to me. I am her SOLE beneficiary. I will be willing to send you a package to confirm that fact. Be that as it may I tried to persuade your bank here in Lancaster and they treat me like I am nothing more than an old uneducated hillbilly. They tell me they will inform their legal department and phone me back. But they do not. I am Teresas Beneficiary. There is very little there to contest. That is not a factor. It is important that her estate be distributed to her beneficiary. That is only right. If not some other insignificant entity becomes her beneficiary. I need your bank in Lancaster Ohio to transfer her account to my name or give me the money. They will not. I have a WILL and a Probate document and also other arbitrary docs. proving my legitimacy. Please do what is morally and ethically right and comply with beneficiaries. Thank You
Katiesal Send email
 
Dec 9, 2017

No Teller Lines Bad Idea

Needed to go into a branch today - never do, deposit through atm usually. No more teller line. Looks so cool...until I waited 20 minutes to deposit a cashier's check I wanted to make sure went in as cash. Every teller, now banker, had someone plopped in their office chit chatting about Christmas plans, what kids wanted for Christmas, This is ridiculous - come on in and sit down in my office - allows customers to come in and talk for 20-30 minutes OR LONGER while your tellers, now bankers, try to pull a "Wells Fargo" and get you to open more accounts. I will be moving banks - 9 years and I'm out of here. Not a smart move - now when Banks are being killed for pushing products on customers, you go and do this? All 4 people in the lobby waiting with me for simple teller transactions - could do it through the atm what they needed.
kay228 Send email
 
Dec 2, 2017

ATM MACHINE

THE PNC ATM AT 501 N FRONT STREET IN SUNBURY PA RIPPED ME OFF $20 TODAY,,,IF THE MACHINE DOESNT HAVE ENOUGH MONEY IN IT ,THEN IT SHOULD LET YOU KNOW, SO YOU CAN TYPE IN A DIFFERENT AMOUNT OF MONEY ,,, IT DEDUCTED THE FULL AMOUNT OUT OF MY CARD AND I DID NOT GET ALL MY MONEY,, I CALLED PNC AND THEY CANT HELP ME ,, THEY SAID TO DISPUTE IT WITH MY BANK OR CARD HOLDER,,
kay228 Send email
 
Dec 2, 2017

atm

in the last week-Edit
THE PNC ATM AT 501 N FRONT STREET IN SUNBURY PA RIPPED ME OFF $20 TODAY,,,IF THE MACHINE DOESNT HAVE ENOUGH MONEY IN IT ,THEN IT SHOULD LET YOU KNOW, SO YOU CAN TYPE IN A DIFFERENT AMOUNT OF MONEY ,,, IT DEDUCTED THE FULL AMOUNT OUT OF MY CARD AND I DID NOT GET ALL MY MONEY,, I CALLED PNC AND THEY CANT HELP ME ,, THEY SAID TO DISPUTE IT WITH MY BANK OR CARD HOLDER,,,,
prasadshetty Send email
 
Oct 12, 2017

net banking

I have fill up the form of netbanking in kisan nagar wagle est bank and I have also told that when I have open the account that email id is change now prasadshetty2399@gmail.com now the 776 in it I have call them so many time they have enter wrong mail id in sytem that prasadshetty2390@gmail.com but not getting proper response from the exective person of bank my account no. Is2792 plzzz resolution this problem I have some emgergency of this.
JAGGARAO YALLA Send email
 
Sep 21, 2017

Delay of homeloan

I have applied home at Visakhapatnam,the executive person told to me within 4 days your was sanction.my regitration date fixed 23-09-2017.but till now not sanctioned loan, what happened delay my loan tell me.so please sanction loan immediately.
mestaunton Send email
 
May 18, 2017

Not Protected from Fraud

My Paypal Account was hacked and I stopped the payment through Paypal, as well as through the vendor from whom the criminal ordered merchandise. THREE DAYS LATER, PNC still removed and held the money from my account even after the payee reported it as fraud. This emptied my account and they resulted in fines and they will NOT restore my funds for another THREE DAYS. That's a good solid week of me with absolutely no money. I have experienced Fraud in the past and NEVER have I been treated with such a dismissive attitude and lack of action. No one cares and they are doing nothing to expedite a solution. I am FURIOUS! PNC is terrible.
Dissatisfied Send email
 
Dec 19, 2015

Holding a check

I have been a customer of PNC for quite some time. I deposited a check from my attorney for a settlement agreement and the check was held out by the deposit recovery unit per the consultant then answer my call when my account was overdrawn.! Mind you before deposit in the account into the ATM I called to verify that $100 will be available the first day and the balance will be there available the next day. Now I'm being told by a consultant and a "manager" Melissa Tolbert that it will be 5 days before they verify if the check is good. Needless to say I will be closing my account with PNC after having worked there for over 11 years! Note that checks are sent through a clearinghouse electronically so why would it take them 5 days to verify anything! Melissa told me to Google regulations CC that they have the right to do this. I found nothing in the Reg stating that! But I did see in the reg that $100 to $200 to be available the first day and additional amounts there after not holding the entire balance of my check that was deposited! It seems as though someone in the deposit recovery unit was having a bad day and subjectively made a decision to set the check of side until next week! Unacceptable to me.
steveben Send email
 
Mar 13, 2014

Extremely rude managers and tellers!!

In 2003 I was a victim of the Nigerian scam. I had an account at PNC Bank at the time and deposited a check that I thought was real. Come to find out, it was a fake check and I almost got sent to jail for it, like I was the criminal and not these Nigerian national terrorist con artist criminals. The bank immediately closed my account and asked me to leave. The people in Pittsburgh were extremely rude and threatened me on the phone. My family and I thought we were going to have to get a lawyer. In my recent dealings with PNC, I can't get an account due to being on food stamps, and the people at the Marlton, NJ Shoprite branch were extremely rude and said I needed to have an account with them to get the change I needed for public transportation. Even with my Dad standing there who has a PNC Card!! She was extremely rude and so was the manager I had to deal with who said the next time I come for change to please get an account. Never had that kind of trouble at any other bank but this one. My advice, avoid PNC like the plague!!! Greedy bastards!!!!
Jamlady10 Send email
 
Feb 27, 2014

credit card com[plaint

​Applied for an offer to get a credit card, whereby, if i charged $750 in the first three months, I would get equivalent of $44 in pts. I applied. I did not receive info as to the start date, and when I realized it, i called and was told I still could charge the $750, that I still had a few days to do so. I did so. The agent noted it in the record. When it came time to get the points, they told me I was past the 90 days. I told them to look at what their agent told me. They said, a supervisor would call me. I have an answering machine. Nobody called me within the 3-5 days I was told it would take to hear back. After 10 days, I called, which was 2/26/2014 and was told they weren't honoring the agents comments and that i had gone over the 90 days. If I had been told that when I called, I never would have charged the additional $750 as I did. They are scam artists. I looked on line and there are others who have similar complaints against PNC.
User924525 Send email
 
Mar 28, 2012

Scam charges

Can someone please tell me how I get a hold of Verizon Pen-it is showing on my credit report and I paid it over a year ago. I cancelled my landline and they evidently assigned me aother account number but never told me about it. I never received a bill until it went to a collection agency as soon as it was explained I went and paid it and now it is showing on my credit report paid but for pay status it is showing Collection/Chargeoff does any body have a number I can call to get status to show settled-it really messes your credit up when it shows up as Collection/Chargeoff. My email is jenf35@verizon.net.
User Send email
 
Mar 28, 2012

Scam charges

PNC bank, among others, uses the predatory practice of clearing checks 'highest to lowest' first. This creates a huge profit capitalizing on small customer errors.

Example:

Account balance on any given day is $500. Yesterday, you used your bank card for $20 and say $30 and didn't enter the items in your checking account register (an error which I agree you should pay for, after all it is your mistake which will cause the following but it is PNC's greed which will exponentially raise the cost of your error).

At the same time those two debits are clearing a check which you wrote comes through your bank for $475. PNC now employs the predatory practice of what is called 'highest to lowest'. Here's how it works. By disregarding the order in which the debits are presented PNC formats their internal program to clear the highest presented item first and continue in that order until everything is cleared.

If by random chance the other items comes through first, here is what will happen to your account. Balance $500. Deduction $30 (cleared). New balance $470. Deduction $20 (cleared). New balance $450. Check in the amount of $475 (overdrafted) balance negative $25. Total NSF charges $36.

Here, instead the predatory way PNC calculates the withdrawals, disregarding the order in which they are actually presented but instead re-ordering them in the way most harmful to you and most beneficial to them. Balance $500. Deduction $475. New balance $25. Deduction $30 (overdrafted). New Balance -$5. Deduction $20. New Balance -$25.

So, because of their greedy, anti-customer predatory practices PNC has now manipulated your withdrawals to double the fees you were charged for your error. If you ask PNC why they did this, they will give you the continued repeated lie every bank involved in this process gives you. We take these out highest to lowest because the highest might be a mortgage and we don't want to ruin your credit or cause you any embarrassment.

BS!

The fact is, if your account is presented with a check for $475 which overdrafts your account $25 there is NO bank in the country which is going to return that check and cause you 'embarrassment' or 'ruin your credit'. NONE!

What makes this deceiving practice all the more detestable is this above stock lie they give you. Banks, wake up! You may be able to continue to lie to each other because you're all out of the same ilk (which is probably why none of you will lend any money to each other and we, the american people, have to go into our pockets to bail out your greedy ignorance) but don't underestimate the intelligence of the average american.

There are those of us that know exactly how you operate and this post is intended to inform even more.
User924523 Send email
 
Mar 28, 2012

Scam charges

I just went into a PNC Bank that is right across the street from me. Yesterday I asked for a check to be made out-she did that, then that night I had to open it and ripped the check-which is definitely my fault.But today I took the chek in and they said they needed the receipt, I called yesterday so why didn't they tell me then? When I was there I wondered why they wouldn't ask the person who had signed the check.I had to go back. Today I was calling about you doing it at every branch when on your answering service it asked for my ID # it should say 9 digit so I won't get confused, it asked a second time for a number I thought it was talking about my 4 digit # it wasn't- again it should say 9 or 4 digit # so I won't get confused.When I finally got thru I forgot what I was calling about.I was wondering if the receipt had to be sent to home office, is that the reason? Another thing why don't you have a Debit machine there for
the customer to use? Oh, and I do get confused-so please don't get me more confused, Okay? This branch is 11700 East 15 mile Sterling Heights Mi. I really like their personalities so please Don't change thir positions. Sincerely Jean Calder-I have to take a bus to get to other banks
BAGraff1 Send email
 
Feb 23, 2012

Overdraft fees and Online banking

When I checked my online banking I noticed in the pending section that I was overdrawn on my checking account. I drove through snow on unplowed roads while Maryland was under a state of emergency declared by the governor to make a cash deposit to cover this pending withdraw. All to no avail. This bank calculated the largest withdrawal first then added the smaller ones in order to maximize the number of overdraft fees it could charge me. When I requested help from PNC customer service I was basically told "too bad, so sad" and just pay up. What used to be a customer friendly bank is turning into an institution that employs any trick it can to take more and more from its customers. Lucky for PNC those who continue to bank with them are human and will make mistakes from time to time. I am researching other banks and their practices and will soon be an ex customer of PNC. This bank should drop Pittsburgh from its name --it is nothing at all like the friendliest city on earth!
Photonex68 Send email
 
Feb 23, 2012

Overdraft fees and Online banking

Gee, Ellen, you wouldn't happen to be a PNC employee, would you? You're aware that PNC got a class-action suit against it for the practice of reordering transactions so that they can claim you've incurred overdraft fees.

I've gone around and around with PNC on this issue. My partner can't get direct deposit on his check because the business where he works refuses to do it, so he has to deposit his checks manually. Conveniently enough, the deposit cutoff time keeps changing so that his money generally doesn't become available until two or more days after we put the check in. That's the AVAILABLE balance, not the ledger balance, BTW; that's usually another day of waiting--and this is on a payroll check that draws from an account at the very same branch! Explain to me how a deposit that's listed as "pending" doesn't immediately add to one's available balance when a pending withdrawal subtracts from one's available balance immediately.

PNC's very good at playing with one's "available balance" so that they can hit you with overdraft fees. Here's a good one for you: On 2/3/12, I placed an order that immediately showed as a pending transaction. Fair enough. The next day (2/4/12), I called and canceled the order, and the company removed the authorization. When I checked, the pending transaction was gone. But miraculously, on 2/7/12, the pending transaction was back--just in time for PNC to claim that I'd overdrawn my account. What's more, PNC claimed the pending charge had never been taken off, complete with backdating the pending charge to 2/3--and never mind that the company in question e-mailed me confirmation that they had indeed removed their authorization on 2/4. And what makes this whole scenario even more suspicious is that the letter I got in the mail a few days later that detailed how I'd overdrawn my account listed my rent payment first, even though it wasn't the first transaction that would have gone through, so that the bank could claim I had multiple overdrafts instead of one.

What happened, simply put, is that PNC FACTORED IN UNPROCEESSED TRANSACTIONS--TRANSACTIONS THAT HADN'T POSTED TO MY ACCOUNT--TO DETERMINE THAT I'D OVERDRAWN MY ACCOUNT. That defies logic and ethical accounting practices. I could possibly have lived with this travesty, if PNC had automatically refunded the overdraft fee as well, but I had to write to them through their own site, get no response, and talk to a rep before they manually removed the charge "as a one-time courtesy." "One-time courtesy" my eye; it was PNC's screw-up and their own questionable accounting practices that incurred the fee in the first place.

But you, Ellen67, say that the original complaint is invalid because BAGraff1 said s/he was "overdrawn." Let's clarify: BAGraff1's account was NOT overdrawn at that time, as shown on the ACTUAL LEDGER BALANCE that accounts for posted items. BAGraff1's account would have been overdrawn IF ALL ITEMS POSTED. What's more, BAGraff1 made a CASH deposit, which means there's no question of waiting for a check to clear. Explain to me why a cash deposit doesn't immediately clear. In fact, it was my understanding of PNC's funds availability policy that cash deposits *are* posted immediately *because* it's cash and doesn't have to wait to clear like a check would. That being the case, then unless PNC posts transactions retroactively--an unethical, if not actually illegal, accounting practice--BAGraff1's deposit should have posted before the ledger balance--the balance that PNC SHOULD be checking for overdrafts--would have been overdrawn.

So no matter how you cut it, Ellen67, you're full of it to say it's all the customer's fault. Next time, try being a customer at PNC instead of (as you pretty obviously are) one of its employees before you blame the customers.

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