PNC BANK - FORMER NATIONAL CITY BANK BAD BUSINESS PRACTICES... BEWARE! DEWITT AND HOLT, Michigan

And it pains me to say that but instead of a online statement get a paper statement if you do not already.  The only way to keep from overdrafting your account is to keep a register and get a monthly statement and reconcile it!

Sucks but that is live - I love my bank because it is small and people oriented. Consider a credit union or just use cash. Good luck.

..and trust me...I know PNC is a horrible bank.

But..all you need to do is look at your statement.

What does it say caused the overdrafts?

If the overdrafts are not legitimate..you can dispute them. If they are..just pay the d**n fees and be done with this awful bank.

If you can post a screen shot of your statement, perhaps myself or others can advise accordingly.

Filing a report with this government agency:

http://www.ftc.gov/reports/index.htm

don't listen to these idiots.  I would file a complaint with your attorney General of your state.  You might have a banking commissioner in your state.  Try them.

Also I would file a complaint with the controller of currency.  Yahoo search them.

complaint can be done on line.  You were ripped off.  As for the bozo's that sided

with PNC.  They are bank puppets, ignore them

Forget the Better Business bureau.  They are worthless.  you also can file a complaint with the Federal Trade Commission.

Good luck

What seem to have occurred on your account is that you made a deposit, the business day after the transaction was processed against your account.  At PNC, the overdraft and NSF fees are assessed the next business day after the account originally overdraws; and items, such as checks or ACH debits, if being returned by the bank unpaid, are returned also the next business day.  The fees and return items occur mid-day by 3pm EST. It's always at the bank's discretion if they will return those items non-sufficient or pay and cover them for you.  Either way a fee is assessed.

It seems to me that you made the deposit the business day after the original transaction was processed on your account, before the mid-day review.  In making this deposit, you assumed that the bank will pay the transaction and did not account for any fees for funds not being available and the likelihood that them may not pay the transaction. If the transaction was pending and you made a deposit, th eonly way you would recive a fee is if another transaction was received/processed against your account causing the $12.39 deposit to not be enough.

Failure to check your account after the first time the transaction was processed through your account, led to the other fees.  You wanted to close your account.   You were told that you must wait until the transactions clear before you can close your account.  The next thing is then to watch your account to make sure all transactions had cleared. 

You are now upset that fees were assessed because the ACH debit that you should have canceled continued to be reprocessed through your account because funds were not available.  The resposonsibility of the account, is that of the accountholder.  The charges you were assessed, the process of closing your account, the way transactions are processed against your account were all given to you with the opening of the account. 

Many people get me when they state who reads all that fine print?  ME!!!  You must know what you are stating you are being responsible for, otherwise don't open an account or sign any contract with small print.  They are called disclosures for a reason.