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

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.

  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? 

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".