- Report: #675229
Complaint Review: PNC
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| PNC
Internet United States of America |
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PNC bank fraud, Internet
*Consumer Comment: It depends...
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PNC let a fraudulent $432 debit clear my account even though the funds weren't in the bank. Then they charged me 36 bucks in overdraft fees. They forced me to sign an affidavit saying the eft debit was false. I will have to wait ten to sixty days to see if I get the money back. Meanwhile that was part of my rent and I don't know what I'm going to do. After the funky attitude from the bank manager in Gahanna Ohio, I've decided to switch to another bank. I still don't understand why they paid $432 if the money wasn't in the account.
This report was posted on Ripoff Report on 12/25/2010 08:41 PM and is a permanent record located here: http://www.ripoffreport.com/r/PNC/internet/PNC-bank-fraud-Internet-675229. 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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Search Tips...new regulations prevent this or any bank from
automatically enrolling customers into any overdraft protection services
with the debit card, but electronic payments are considered ACH, like a
check and is a commitment. The bank probably did not have to clear it,
but chose to do this and charge you a fee. Not illegal and they had no way of knowing it was fraudulent. If they didn't
clear it you still would of had a fee anyhow if this was an electronic payment but winning a dispute should have the fee removed if it concludes in your favor.
The problem for you is that they can't just instantly reverse the
charges, they need to investigate first. What you can try (I had another
bank do this for me when a bad ATM caused a fraudulent charge to my
account), is ask if they can restore the account on a provisional basis.
The provision will be removed if the investigation concludes it was a
fraudulent charge. If not however ,they will take the funds out again.
Call and ask, if the CSR says no ask for a supervisor.
