PNC Bank Complaint - Unfair overdraft fees!
PHILADELPHIA, PA, PENNSYLVANIA -- I have also had a problem with PNC Bank and will soon be moving to another bank. Beware of online bill pay. I pay my bills every month with unline bill pay and always put in the amount and date two weeks before bills are due to be paid. This time I made a terrible error by inserting the wrong date and my bills were paid a week before I was actually paid overdrawing my account by hundreds of dollars. I live paycheck to paycheck and at this time have no money in my savings account to cover these bills. Of course all of my checks were returned and I was charged 9 overdraft fees ranging from $34 to $36. I was horrified and called the bank to explain. I was told that since my account was in good standing and I have never bounced a check, I would be reimbursed all but $100. I felt that as long as I was getting something back, I better take what I could and strick that as a lesson learned. The woman I spoke to also told me that the checks would be presented again in 3 business days at which time I would have the money in my account. The checks were presented again the VERY NEXT day!!! Of course again I didn't have the money in my account! Now I am being told that I will have to wait for all of the overdraft charges to appear on my account before anything could be done but that I should be aware that most likely nothing will be done since I was already giving one courtesy refund. I explained that the woman I spoke with me assured me I had three days and was told that they will investigate. Of course we all know this woman will deny this and now I will be charged tons of late fees. Not to mention my credit card companies charging me return check fees. Is this fair?? Does anyone know of anything I could do about this? If so, I'd love to hear from you.