Complaint Review: PNC Bank - Pittsburgh Pennsylvania

The available balance at an ATM shows only the amounts that have been authorized, but not processed. Most ATM's also will show you a real balance which is the amount that has been processed. Transactions processed between the 14th and 17th is a holiday weekend. The weekend transactions at all banks do not process until the first "Business" day which would be the 18th. The bank did not do anything wrong. They processed the ATM TRansactions first. The electronic transactions come in through a handler and come in later at night on that first business day. Belly up and pay your late fees.

It was stated that I wanted the little ones applied first and the $140.00 last. This is not true. When I went to the ATM to perform the overdraft my balance was $44.72. Yes, I checked first as you can do a balance inquiry. What does this mean? That the other charges were already applied to my account PRIOR to my large withdrawl. Then when I went to withdrawl the $140.00, I was given a notice that I was overdrafting and that I would be charged an additional $31.00 for the overdraft. I accepted the $31.00 charge and was given the cash. Even after this the ATM and PNC Bank allowed the transaction to take place. Then rearranged the charges in the way described in my first post. What I don't think people understand is that this was NOT a bounced check, which is illegal. This was a documented agreement between myself and the bank, by accepting the transaction. If this is not a "line of credit," then why did PNC Bank allow the withdrawal. And if I knew they were going to charge me $186.00 for the withdrawal, I would have declined to accept. However, they stated $31.00, which I did accept.

I have contacted a lawyer who has agreed to take the case after reviewing the evidence and has assured me that the situation will be rectified in my favor. Yes it will cost more, but the outcome will be worth it. Therefore as I can not remove the post, I just wanted to let those submitting rebuttals that this is a closed matter. However, if you want to leave posts to talk to each other and evolove this thread to a message board, feel free. I, personally have no need to come back to respond or read any additional comments, as I have been advised.

What does the bank have to do with the fact that the merchant charged your card four times? It's not the banks fault. As a merchant, I would be responsible for any fees you got, based on my error. For the first situation you ought to be posting the name of the company that charged your card four times. It was their error, they ought to reimburse you for your bank fees, if they are a good company. How in the world would the bank know to allow the first charge but not the other three? Sometimes, multiple charges do throw up a red flag, but that has to do with credit cards and gets caught by their security. Secondly you knowingly withdrew more money then you had in your account. You figured one NSF for $140 was worth the price. You didn't figure on six. You wanted the bank to pay the little ones first and "hold off" on the large one. The old pay this one, but not that one.

The fault lies with the online merchant who inadvertently (or not) charged your card 3 or 4 times over, the banks must honor whatever the merchant identifies as the amount authorized for a purchase. any reputable merchant would refund the amount overdrawn AND associated fees. If a bank took a customers word everytime something went wrong in regards to online transactions they would go bust and we wouldnt have any place to keep our money.

Yes, I made the decision, and would gladly accept the one $31.00 charge for my one overdraft that I was supposed to be "DULY" charged, Not six of them. It amazes me how people from Austrailia can't read. The bank admitted fault idiot! Anyway, genious, how do you explain the first situation. They STOLE $93.00 from me for something I did not do.

Why do you blame the bank for the error of the merchant. Ask them to refund the fees the bank charged. And, you also knew what you were doing was wrong by overdrawing the account as if it was some line of credit. To answer your question about the items posting to the account later than expected, you should be keep a balance of the account and you would have know the merchants had not submitted the payments. The items come into your account and will post after the merchant clears the transaction. This is your fault not the bank. If the bank was nice and did refund part of the fees that was more than fair as it was YOUR FAULT.

You mentioned yourself that you knew you were overdrawing the account, the minute you made the decision to do that you accepted the outcome, in this case excessive fees. It always amazes me how people think its alright for them to take advantage of a credit provider by overdrawing, going over credit limit etc but then rant and rave when they are duly charged!