Complaint Review

Pnc bank

Report: #1072093

Thu, August 01, 2013
Thu, August 01, 2013
Reported By:
Chesterland Ohio
Pnc bank
623 euclid ave Cleveland, Ohio USA Phone:

Pnc bank Pnc checking account pending withdrawals ripoff Cleveland  Ohio

*Consumer Comment: It Is Legal

On a monday evening I tried to make a purchase for $114 but only had $90.60 in my checking account.  My bank card was declined.  When I went home and check my balance it showed a pending withdrawal for $90.60 even though the transaction was not completed and I left the store without any merchandise.  I immediately called the store and was told it would come off the next day.

On Tuesday the pending withdrawal was still there and I called the store and they told me it was the bank's responsibility.  I called the bank and the man laughed and said it was the stores fault "they're holding up your money".  I called the stores headquarters and the also told me it was the bank keeping the pending status on the money.  


On Wednesday it was still pending and I called the bank and the store corp. office and again each blamed the other adamantly.


On Thursday I called the bank and explained how each was blaming the other and was told "we'll its both.  The store could take the $90.60 from your account and you could pay the rest in cash".  I told him "are you kidding?  It's over!  It was Monday.  I'm not still in the store.  The transaction was never completed.  I have no merchandise.  There isn't even a transaction number because there was no transaction".  Then I asked if I had access to use this money while the pending status was in place and while he hesitated I said this is a yes or no question.  He said no.  I asked if I would have been charged a non sufficient fund charge if I had tried to use the card and he said "well yes, you don't have overdraft protection".

I stated "so pnc can keep this pending status on my money and then not allow me to use it and charge me NSF fees when you know that this transaction is dead"?  The Pnc rep stated "do you want me to take the pending status off today?"  I asked if he can take it off today, could it have been taken off on Tuesday and again he hesitated until I demanded a yes or no answer.  He stated yes it could have been if I had spoken to someone in his department.  I stated that this was the same number I had been calling and he told me he was in a special department with authority to take the pending status off and that my call rolled over to his department because the regular department that doesn't have his authority must be really busy.  He then said he would take it off and that it would be off on Friday!

This is ridiculous.  Can this possibly be legal?  It's certainly not ethical.



This report was posted on Ripoff Report on 08/01/2013 10:46 AM and is a permanent record located here: 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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#1 Consumer Comment

It Is Legal

AUTHOR: Jim - ()

It is also ethical.  What if you insisted the removal of the pending charge, but the transaction was later verified by the merchant as accurate?  Then the merchant is out $$ because some crazy customer told the bank not to release the funds to the merchant.  That as they robbery committed against the merchant.  It therefore follows that a customer going to bank to ask for the pending status to be removed - is committing a far more unethical act than anything the bank could do.

 At the end of the day, this is not on the bank - this is on the merchant.  What the merchant has to do is void the transaction in its entirety and transmit that void to the bank.  It does take time on the bank's side to clear this transaction off of your pending account, but the bank can't remove the pending until they get authorization from the merchant.  The truth is - the bank is merely an innocent party between you and the merchant and it will act as an innocent party until the merchant verifies the transaction either way.

 Your situation also illustrates the problem with using debit cards.  The bank gives you this as a convenience so you don't write checks, but improper use of the card will result in funds tied up longer than you as the customer would like.  Just how convenient is that for you??  Generally the tying up of funds is the result of a dispute between the account holder and the merchant - the bank simply waits until someone verifies the transaction as either accurate or invalid.  That someone is the merchant because the bank will not just accept your word alone without the merchant's verification of what you insist is correct.  The transaction would clear in about another day or two on its own - either because the bank will receive the verification the transaction was voided, or no verification at all.


You should avoid debit card usage of any kind, as a rule, when the balance in your account goes below $200.  If you do not keep $200 in your account consistently, don't use a debit card for any reason other than for withdrawing funds from an ATM.


Best of luck to you....

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