• Report: #864817

Complaint Review: PNC Bank

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  • Submitted: Fri, April 06, 2012
  • Updated: Sat, April 07, 2012

  • Reported By: T. — Hopelawn New Jersey United States of America
PNC Bank
Hopelawn, New Jersey United States of America

PNC Bank Lied and then took money from my account Hopelawn, New Jersey

*Consumer Suggestion: Unfortunately

*Consumer Comment: A few points.

*Consumer Comment: Comments

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On 4/5/12 I went online to my PNC account to see if the checks I had written posted yet.  I noticed $307.67 was taken out without my authorization.  When I called PNC I was connected to a Customer Service Representative by the name of Marquise (her tone was condescending and her attitude equaled what you would deal with at a fast food restaurant).  Tired of (Marquises) the tone I asked to speak with a Supervisor for clarification about the unauthorized $307.67 withdrawal.

I was put on hold for awhile then when Marquise returned she had a Supervisor on the line with her (now Marquises toned had changed).  The Supervisor (Renee Pettigrew) then explained that PNC had taken the money from my account because my son had defaulted on his account.  The Supervisor said since you signed on the account with you son you are also liable. 

I told her that I was assured by the branch rep that opened the account that his account would have no bearing on mine that I would just have the ability to view his activities.  And if that wasnt the case the why in the name of GOD would I attach my account to a teenagers account?  I didnt have access to his money!  I didnt receive any NSF notices! If I was jointly liable as co-maker on my daughters car and she went into default I would receive a call and notices!!  The Supervisor had given me an answer you would give a child incapable of discernment!!  Then she tells me I can give you Collections number theyre the ones who did it

Let me digress for a second. I live in a small community (Hopelawn, NJ) and the PNC is like Cheers (where everybody knows your name).  In 2006 I wanted to teach my son about banking, finance and responsibility so when we went to PNC to open an account I told the rep I wanted the ability to view his activity.  The very first question I asked was will his account have any bearing on mine I was told No, this will just give you the ability to view his activities.  As I started reading the paperwork before signing I was told its just banking stuff I replied I just want to make sure his account wont affect mine the rep replied I assure you it doesnt so I signed (taking his word as truth...LOL, foolish me)!!!

Fast forward.  Now to add insult to injury I open my account this morning 4/6/12 to see what these thieves (PNC) have done overnight.  Sure enough I see 4 NSF fees for $36.00 each taken out of my account.  The NSF fees came from PNC taking my $306.67 in the first place.  I will be closing my accounts with these thieves, and all of the people who were dissatisfied with their current bank that I convinced to move their personal and business banking to PNC I will now make it my mission to get them to switch their accounts to Credit Unions.

As a result of this thievery I will be sending this letter to James E. Rohr (PNC CEO) and the rest of the Board of Directors individually.  This will also go on the web for everyone to see in hopes you take heed and pull your money out. You see my business is not a right its a privilege and PNC will not have the privilege of having my business anymore!!


This report was posted on Ripoff Report on 04/06/2012 11:01 AM and is a permanent record located here: http://www.ripoffreport.com/r/PNC-Bank/Hopelawn-New-Jersey-/PNC-Bank-Lied-and-then-took-money-from-my-account-Hopelawn-New-Jersey-864817. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Unfortunately

AUTHOR: Nicole - (United States of America)

This is why kids are little snots today.

Your situation stinks.  There's no way around that.  It definitely sucks, but both comments before me are 100% correct.  

I doesn't matter what the associate said, it doesn't matter what he assured you.  He could have promised you a gold encrusted Mercedes every year on your birthday, but if that's not what your written agreement says, that isn't what happens.  Was it shady of PNC?  Maybe.  We weren't there.  At this point though, the responsibility falls on you.  You didn't read the paperwork, the "bank stuff".  Should have read it.

At this point, all of your whining and complaining is only teaching your son exactly what the last comment said, that it's always someone else's fault.  The only two issues are 1. You didn't read your paperwork and don't understand a legally binding contract that you signed and 2. Your son can't keep track of his own money.  Use it as a learning experience for him.  If it were my kid, he'd owe me not only the money he jacked up, but the NSF fees too.  All you're doing by creating this huge hissy fit is showing him that the louder you complain, the more you get.  Burger King gives you Root Beer instead of Coke?  Scream at them and you get a free meal and coupons.  Kohls won't let you use 574 coupons on 1 item to get it for free?  Ask to speak to the highest manager on duty and you may just get that $400 item for free because now you can stack your coupons because you whined loudly enough.  

It's issues like this that turn kids into responsible adults or whiney, entitled jerks.
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#2 Consumer Comment

A few points.

AUTHOR: Flynrider - (USA)

  This is pretty simple.    You can go on about he said this and she said that, but all that really applies is the account agreement that you signed with your son.   There is no such thing as being  named on an account without carrying responsibility.  Particularly if there is a minor involved.   

  Sorry, but your claim just doesn't hold water.  


" And if that wasnt the case the why in the name of GOD would I attach my account to a teenagers account? "

  Most parents will do this if they think their kids are responsible enough to handle it.   It's the only way someone under 18 can open an account.

"   In 2006 I wanted to teach my son about banking, finance and responsibility  "

  It appears that you failed miserably.    In an ironic sort of way, you appear to be getting a taste of what others will have to put up with, now that he's turned loose on society.   

"   As I started reading the paperwork before signing I was told its just banking stuff I replied I just want to make sure his account wont affect mine the rep replied I assure you it doesnt so I signed  "

  Seriously?   This is your excuse?    Everybody who does not read something before signing has some sort of excuse.   I compliment you on your amazing recall of events 6 years ago.    Either way, it doesn't matter why you didn't read before signing.    By signing you were contractually agreeing to whatever the document said.  

  If this is the kind of personal responsibility that you were teaching your son, is it really a surprise that this happened? 

  What lesson should he take from this complaint?   That someone else is always responsible? 

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#3 Consumer Comment

Comments

AUTHOR: Robert - (U.S.A.)

First off you are not going to like this but you probably do owe the money.

And if that wasnt the case the why in the name of GOD would I attach my account to a teenagers account? 

- A person under 18 can not legally enter into any agreements or contracts.  So if your son was under 18 at the time he opened it the only way he would be able to open an account is to have someone over the age of 18 to become legally responsible for the account.  In this case it is you.  Once he turns 18, if you are still on the account you are still responsible until he opens up an account on his own and you close that one out.

Unfortunatly what ever the bank told you doesn't really matter.  Just like any other legal agreement what matters is what you signed.  It seems like you wanted to read the paperwork.  So hopefully you will take this as a learning experience that you take no no one on their word, not even the next bank or credit union you go to.

I didnt have access to his money!

-
Actually, there is a very good chance you did. 

Now, what they did is called the "Right of Offset", that is if you have a negative balance in one account they can take funds from another account to bring you back to the positive.  Every single Bank and Credit Union will have this provision so the next one you go to the same thing may happen if your son overdraws his account.

You see my business is not a right its a privilege and PNC will not have the privilege of having my business anymore!!

- Use that same logic with your son.  A bank account is a privilege not a right.  This is an excellent teaching opportunity for you.  Your son should be the one responsible for paying you back the money, as well as any other fees this may have caused you.  Not telling you how to raise your son to make him responsible, but if he has a car..lock it up until he pays you back.  If he doesn't have a job..looks like his new favorite phrase will become "Do you want fries with that".
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