PNC Bank Swindlers, Liars and Thievs Reston, Virginia

 amazing how the answers keep flowing 

Okay I can't speak for the other poster, but I for one have never worked for this or any other bank.  And that is actually SOP when someone says something that they don't like.  In fact if you actually re-read my comments I basically was telling you that it wouldn't have mattered what bank you are with but anyone who has 2 bounced checks in the first couple of weeks of the account being opened would have their accounts closed.

With that said the other poster gave some solid advise and reasons.  The bank doesn't know you from the guy next door.  As I said what happened to you is exactly what people who are committing fraud do.  So the bank took steps to protect itself and close the account out.   Let's say you loaned a total stranger 5 DVD's, and in the first 2 days they returned 2 totally damaged and unusable .  Would you really let them keep the other 3, and even let them take more based just on this.  Not only that but would you just take the loss and not charge them for the damage?

Is your claim that they just randomly decided to not deposit two checks to pick on you and say that they were counterfeit?   Of course that is a silly thought, but if you truly believe that I would love to hear your reasoning behind that.   Was it to just get $24?  To make this "marketing scheme" worth while they would have to do this to millions of people, yet I don't hear about them...or are you the only one who is standing up to them?

So let's figure that the other bank actually did reject the checks.  Do you "deserve" to take this loss..no, but neither does this bank.  So I will add that your "anger" may be direrected at the wrong bank.   What I am reading is that the bank that issued the checks made a mistake in returning the checks.  So if they made the mistake..they should be responsible for paying any fees that it cost you.  This includes the $24 in returned check fees that you were charged.   So where is the RipOff report on them for not only making the mistake but not reimbursing you for it?

Well I am sure that this will go over your head and will think it is just a bunch of BS..doesn't really matter to me.  But I would also bet that in time you will come to realize how true what is being said is.   Especially after you have your first issue with your new bank.

Thank you for such a good advice, but you are late, I've already opened an account with another bank. I thought I was clear enough, but you act like a slanderer calling me a thieve and accusing with trying to con the bank. So you deserve to be ripped off by swindlers. I don't.

It seems to me that you are a PNC employee trying to protect the bank's reputation. 

The fact of the matter is I live in the real world where there is regulation and procedure. And when you break it you lose your priviledge, everything is a priviledge not a right for the most part! And when you swindle and lie to a bank, they don't have to keep your business because you aren't beneficial to keep.

The point of the matter is banks clearly want money and clients seeing as how they are the ones funding as well as using the banks. Clearly you are a thief and your checks were bad, or the company is bad and/or clearly didn't want to pay you if they put a "stop-payment" on the check because that means they didn't want the check's funds to be provided to you. And stop payments can still be cleared but still get reversed if I don't know, 1) The checks are FAKE, 2) the issuer put a stop payment, 3) or the funds are not there. It's very simple. You tried to con the bank with 2 bad checks. You can deposit anything for the most part but everyone knows that every check gets investigated and checked and ultimately cleared within 10 days max, so you should've dealt with the check issuer which you clearly aren't because the checks are fake. Rather you spend your time dealing with the bank that reissued the checks and doesn't want to deal with your bad checks, go and open another account at another bank, you can't because your checks are fake and no one will take them - then you should be dealing with the issuer that wrote the check in the first place

The fact of the matter is I live in the real world where there is regulation and procedure. And when you break it you lose your priviledge, everything is a priviledge not a right for the most part! And when you swindle and lie to a bank, they don't have to keep your business because you aren't beneficial to keep.

The point of the matter is banks clearly want money and clients seeing as how they are the ones funding as well as using the banks. Clearly you are a thief and your checks were bad, or the company is bad and/or clearly didn't want to pay you if they put a "stop-payment" on the check because that means they didn't want the check's funds to be provided to you. And stop payments can still be cleared but still get reversed if I don't know, 1) The checks are FAKE, 2) the issuer put a stop payment, 3) or the funds are not there. It's very simple. You tried to con the bank with 2 bad checks. You can deposit anything for the most part but everyone knows that every check gets investigated and checked and ultimately cleared within 10 days max, so you should've dealt with the check issuer which you clearly aren't because the checks are fake. Rather you spend your time dealing with the bank that reissued the checks and doesn't want to deal with your bad checks, go and open another account at another bank, you can't because your checks are fake and no one will take them - then you should be dealing with the issuer that wrote the check in the first place

Reputable banks don't use "you-MUST-to-understand" language with customers.

Reputable banks don't say 'hold on' and then disconnect the line when you ask a person's name.

Reputable banks don't say 'we cannot issue a refund because the account is closed'.

Reputable banks don't fight for $24 fee when they don't want to see you as a customer, but all con-artists do. They take a small amount and get away.

Reputable banks don't use malicious lies such as 'the owner put a stop-payment on these counterfeit checks'.'

Reputable banks don't keep telling lies, especially after the written evidence was provided.

Reputable banks fix problems that occur at the very beginning, especially when you don't have time to go over with all tricky details. I have just opened the account, and I wasn't provided all the information.

Reputable banks do value their reputation; impudent swindlers never do.

A reputable bank would disdain to act like this! Greedy cheaters surely will.

It seems to me that you are either a PNC employee, trying to protect such a disgraceful practice, or a very naive believer in an 'excellent customer service'.

PNC is a? arrogant thieve. Make it certain yourself if you want to, the choice is always yours!

PNC is a pretty reputial bank given that unlike some other banks they are acquiring banks rather than getting bought out and/or being fined. It's also highly unlikely that banks sit around and randomly choose whose accounts they want to close for no reason - banks want accounts that are funded.

If your checks were found counterfeit there were definitely several reasons and factors that concluded the checks are fake. The charges you may be seeing are probably returned check fees which any and all banks would charge as well as companies that have to return checks!!

Also as you mentioned, if you have "proof of the check's validity" why don't you take the checks to the issuing bank and have them process and verify the checks? - Simple solution - you know, unless the checks are in fact counterfeit. And consider the fact that whereas the account which the checks are written off of may be true- the checks may be fake, because banks can easily verify another bank's account, they don't just blindly not like a check....

You're lucky the bank only closed your account given you had not one but TWO counterfeit checks. Maybe you should inquire on the company that issued you the check

PNC is a pretty reputable bank, given unlike some banks they are acquiring rather than getting bought out or fined. Banks don't really sit around randomly choosing whose accounts to close, if your checks were counterfeit there were plenty of reasons why it was fake and they found out-even with "verification from another bank" - those checks are fake and the problem. If you were reissued the checks go and try to get them processed from the issuing bank, unless you know, they're fake....And your charges can also be from processing return checks, which any and all banks issue as well as any company that you pay and your check is not valid/bounces/etc. Maybe there is something going on with your checks, and two showing up as counterfeit isn't very promising. You're lucky all they did was close your accounts and only charged a fee for a returned check.

 when dealing with team rebutt you caome across with a very high risk of useless advice

I am not afraid of any criminal charges, because I've already submitted the written evidence from another bank that the checks are okay. Anybody can say anything. In fact, criminal charges need to be posted on them, because they closed the account and kept the money, regardless of all evidences presented. They are criminals, that's just the fact.

Their business practice is totally unacceptable, because the simply cut you off the phone. They even don't say their names when you ask them! 

Once again, they simply take your money and then cut you off.  Run away from them, people!

but the result would have been the same.

You opened the account with not only 1 check but 2 checks that were returned, the fact that 5 were good doesn't offset this.  With just about every bank out there that puts you instantly into the "High Risk" Category and you would probably have found  that no matter what bank you went to would have done the same thing and closed your account.

As a side note you are very lucky that you didn't withdraw any of the money.  Because since you used those checks to open the account the bank could have tried to file criminal charges on you for check fraud.