- Report: #716632
Complaint Review: PNC NATIONAL BANK
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| PNC NATIONAL BANK 2850 elizabeth ave
bethlehem, Pennsylvania United States of America |
|
PNC NATIONAL BANK PNC BANK RIP OFF OVERDRAFT FEES ON CHECKING ACCOUNT bethlehem, Pennsylvania
*Consumer Comment: Further comment
*Consumer Comment: Floating...
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Consumer beware do not bank with PNC BANK they are charging me unjust overdraft fees on my account i had the money in my account to coverage the charges and when i called the Branch Manager she could not explain to me why. Only that there was a pending transaction not phyiscally posted to my account and the money was put on hold for that transaction. When I asked her how can you charge me overdrafts fees for transactions that were place on hold before that transaction was even presented to my account and the money was phyically taken out for those transactions. You can not double dip on the money that was phyiscally placed on hold for previously transactions its not possible. When those transactions phyiscally posted to my account my account was never in the negative you can not charge fees for a pending transaction that never posted to my account and my account never went into the negative IF the bank can not understand why or justily explain to me how can they charge me the fees. I called the OCC and put a complaint in They can not charge you fees if your account never went phyiscally in the negative. They are ripping off hard working people to try and make a buck I worked for a bank for ten years i never heard of such a practice they're has to be regulations against that practice!!!! Im going to fight this until i get results.
This report was posted on Ripoff Report on 04/12/2011 07:39 AM and is a permanent record located here: http://www.ripoffreport.com/r/PNC-NATIONAL-BANK/bethlehem-Pennsylvania-18017/PNC-NATIONAL-BANK-PNC-BANK-RIP-OFF-OVERDRAFT-FEES-ON-CHECKING-ACCOUNT-bethlehem-Pennsylv-716632. 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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Further comment
AUTHOR: patti - (United States of America)
SUBMITTED: Tuesday, April 12, 2011
When a business places a hold on an account, they are attempting to make sure that their transaction is funded to ensure payment for whatever service or product they provided you with. Pending transactions are justified. It doesn't matter if it is "physically" posted to your account or not. At the end of the day, something is going to bounce if you don't have enough money in the account. There is no more float anymore. Banking transactions are almost immediate.
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You worked at a bank? So I guess you told people it was no problem to "float" a transaction. That spending money before it was actually available wasn't an issue at all. I guess you told anyone who asked that they were not responsible for managing their account, that the bank would tell them when they no longer have the money in their account.
Only that there was a pending transaction not phyiscally posted to my account and the money was put on hold for that transaction.
- Did the bank you work at have mind readers on staff? Did that mindreader one day just say "I know this person is going to make a purchase at this merchant so I am going to hold the money before they show up". Of course not, what really happened was that you presented your debit card authorizing the company to make the purchase.
If you don't have the amount available at the time you swipe your card or write that check you MUST NOT make the purchase. Now, people who didn't grasp this simple concept complained and got the regulations changed to where the banks no longer can automatically enroll you in their standard overdraft protection. You must "opt-in".
If you have not yet, you need to "opt-out". What this will do is anytime you attempt to use your Debit Card at a Point of Sale or ATM if you do not currently have enough money available your transaction will be declined. Now, this does not guarantee that you won't get Overdraft fees because it does not cover ACH Transactions or Checks. So if when a check or ACH comes in and that puts you into overdraft the bank has the right to either pay it or return it unpaid. In both cases they will also charge you a fee.
Only that there was a pending transaction not phyiscally posted to my account and the money was put on hold for that transaction.
- Did the bank you work at have mind readers on staff? Did that mindreader one day just say "I know this person is going to make a purchase at this merchant so I am going to hold the money before they show up". Of course not, what really happened was that you presented your debit card authorizing the company to make the purchase.
If you don't have the amount available at the time you swipe your card or write that check you MUST NOT make the purchase. Now, people who didn't grasp this simple concept complained and got the regulations changed to where the banks no longer can automatically enroll you in their standard overdraft protection. You must "opt-in".
If you have not yet, you need to "opt-out". What this will do is anytime you attempt to use your Debit Card at a Point of Sale or ATM if you do not currently have enough money available your transaction will be declined. Now, this does not guarantee that you won't get Overdraft fees because it does not cover ACH Transactions or Checks. So if when a check or ACH comes in and that puts you into overdraft the bank has the right to either pay it or return it unpaid. In both cases they will also charge you a fee.
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