PNC BANK ,PNC charges unfair NSF fees for POS transactions Salisbury Maryland

From what I understand, a consumer can contact PNC and ask to not let through any charges that will overdraw their account ...... and I don't get how a savvy business owner didn't realize they had NSF charges until reviewing a year's worth of statements ... how did you balance your check book?

PNC has made at least 600 dollars off my account due to mainly when i dont get paid as i was expected they will charge me a bank fee i am not expecting. This causes a NSF then compounds the situation since they seem to charge NSF x 2 per transaction. I have had nothing but bad experiances since i opened the account. They are probably the worst bank i have delt with. I cant wait till my deployment is over so i can close my account. I have tried numerous times to get help and find ways they can stop billing me stupid fees that end up costing me dearly. They have yet to offer up one suggestion consedering i have given them 600 dollars think they could offer me some services.

But alas most people at PNC hang up on me or pass me off on another. I would never recomend this bank to anyone. Very ruthless. Even with the bailouts from the feds they are very uncompassionate, yet accounts like mine are what keep them in business. People who live on the edge and pay check to pay check =(. And yes most of the NSF were my fault but not all i can count at least 200 to 300 of them were due to their fees causing more NSF. =( to me a bank fee shouldnt cause an NSF. Oh well

I did - just as you stated them. I even quoted your own words:

'There was plenty of money in our account to use the business check card on a Friday and throughout the weekend. We had deposited funds in the account the following Monday before the deposit deadline for the day. They took the transactions we made on that Friday and the weekend and put them behind a check transaction and delaying the deposit therefore listing the POS transactions as an paid overdraft transactions.'

There clearly was not enough money as you had to try and make a bailout deposit on Monday which means YOU KNEW you didn't have enough in there while you were spending.
If there indeed was enough in there to cover the spending at the time is was done, it wouldn't matter how any of it posted. But you NEEDED the bailout deposit to post first to cover your a*s as you were wrong. Nice try.

I did - just as you stated them. I even quoted your own words:

'There was plenty of money in our account to use the business check card on a Friday and throughout the weekend. We had deposited funds in the account the following Monday before the deposit deadline for the day. They took the transactions we made on that Friday and the weekend and put them behind a check transaction and delaying the deposit therefore listing the POS transactions as an paid overdraft transactions.'

There clearly was not enough money as you had to try and make a bailout deposit on Monday which means YOU KNEW you didn't have enough in there while you were spending.
If there indeed was enough in there to cover the spending at the time is was done, it wouldn't matter how any of it posted. But you NEEDED the bailout deposit to post first to cover your a*s as you were wrong. Nice try.

I did - just as you stated them. I even quoted your own words:

'There was plenty of money in our account to use the business check card on a Friday and throughout the weekend. We had deposited funds in the account the following Monday before the deposit deadline for the day. They took the transactions we made on that Friday and the weekend and put them behind a check transaction and delaying the deposit therefore listing the POS transactions as an paid overdraft transactions.'

There clearly was not enough money as you had to try and make a bailout deposit on Monday which means YOU KNEW you didn't have enough in there while you were spending.
If there indeed was enough in there to cover the spending at the time is was done, it wouldn't matter how any of it posted. But you NEEDED the bailout deposit to post first to cover your a*s as you were wrong. Nice try.

First off I would like to say I am very sorry you have had a negative experience. At PNC we go to great lengths to provide excellent customer service. Let me explain based on what you said why you recieved fees. You went shopping all weekend, and deposited money on monday. In essence, you spent money before it was in the account. I do not know whether or not you deposited cash or checks, but keep in mind the earliest a deposited check is available is the next business day. ( 12:01 or later tuesday) If you read the consumer acccount information given to you at account opening, it will explain that. If your still not sure how/ when deposits are available ask a branch member as you make your deposit, based on the routing number and account type they will be able to tell you when those funds would be available. Now if this is the first time this has ever happened, you may be given a courtesy credit for some of the fees, with an explanation of how you incurred fees. If the issue is recurring the bank will probably not refund any more fees as you have become a risk. Although you might be a honest person, the fact of the matter is many people who overdraw their accounts never pay us back, which puts us in a position for loss, hence, overdraft fees. I hope this helped.

I recently spoke to PNC about this matter and spoke to a very nice woman at their corporate headquarters. What really helped was that I printed my online statements daily and she was able to see where my concern generated from. (Look at you account online daily if you can a print out the available balance. Once the system update, customer service has no way of seeing what the balance showed online from any day).

She said that she would contact me later in the week to resolve the issue. However, I have decided to not reopen the account. Hopefully this entire issue can be resolved.

Dear John

Read the facts. We did not try to beat the transaction as again I said their was money in the account to cover the transactions we executed on Friday and the weekend. I made a deposit on Monday not to cover any "spending spree" transactions. I made a deposit as most people do to keep their money safe.

They flipped the transactions and just to let everyone know PNC did admit to the problem first refunding $105 in fees. I recently again spoke to their corporate offices and spoke to a very nice person who also saw the problem. Hopefully it will be resolved.

However, that still does not solve the problem of these fees that have happened in the past.

'There was plenty of money in our account to use the business check card on a Friday and throughout the weekend. We had deposited funds in the account the following Monday before the deposit deadline for the day.'

You tried to beat the transactions by making the bailout deposit on Monday after your shopping spree. How can you say the money was there when it indeed wasn't? The transactions certainly took place before the deposit so why wouldn't they be debited before the deposit is credited?