Comments on: Get Overdraft Fees Back from National City Bank (PNC Bank)

By: David

David — Fri, 09 Oct 2009 03:33:44 +0000

Karen :
sorry…meant to say “bank is not willing to refund my money”

Hi Karen, I am sorry to hear that. You can see from my transaction details that I deposited $900 CASH immediately after I noticed this problem. If you have $900 deposit in checks, please remember that those $900 is not REAL money in your account. It takes at least 48 hours to clear your check deposits. But you can tell the manager or other guys that chase/BOA refunded your NSF in the same situation. If they are not going to honor the refunds, why not just go ahead and close the account. Just let them know this.

By: Karen

Karen — Fri, 09 Oct 2009 03:24:13 +0000

sorry…meant to say “bank is not willing to refund my money”

By: Karen

Karen — Fri, 09 Oct 2009 03:22:37 +0000

Karen : David, I wonder if your situation is unique. I am trying to troubleshoot an overdraft situation at my local PNC bank in Narberth, Pa., where I was charged 6 overdraft fees when I had more than $900 in my account. My debits over the next 24 hours didn’t even amount to $200. But my account details online were manipulated on a daily basis, and so far, I have gotten four conflicting explanations as well as different answers to account balances and available balances. I talked to three different people and each gave me conflicting information. The real kicker was when the bank’s New Accounts manager gave me two very specific and very wrong answers/information regarding when deposit funds are ultimately available and how much is immediately available. Even when a supervisor acknowledged that her employee didn’t have the right information, no one at the bank would accept responsibility or give me my money back. I honestly feel like I’ve been robbed. It’s one thing when you bounce a check because you DON’T have the funds but it’s quite another when you have the funds and the bank actually alters the time of transactions or tells you that your funds will be available within 24 hours and then doesn’t make them available for more than 72 hours. At first, I felt fortunate that my case was well-documented and that I could clearly show the manipulating of entries and mistakes made by the bank. Unfortunately, this PNC bank’s “customer service” rep was downright degrading and condescending and kept cutting me off when I tried to explain to her what had happened. Even though the bank ultimately admits it gave out bad information on when deposit funds would be available and how much would be immediately available, they are not willing to refund my money. It’s a long-winded way to my question: Do you have any more information on how to successfully get those NSF fees back when the bank manager approach doesn’t work?

By: Karen

Karen — Fri, 09 Oct 2009 03:20:57 +0000

David, I wonder if your situation is unique. I am trying to troubleshoot an overdraft situation at my local PNC bank in Narberth, Pa., where I was charged 6 overdraft fees when I had more than $900 in my account. My debits over the next 24 hours didn’t even amount to $200. But my account details online were manipulated on a daily basis, and so far, I have gotten four conflicting explanations as well as different answers to account balances and available balances. I talked to three different people and each gave me conflicting information. The real kicker was when the bank’s New Accounts manager gave me two very specific and very wrong answers/information regarding when deposit funds are ultimately available and how much is immediately available. Even when a supervisor acknowledged that her employee didn’t have the right information, no one at the bank would accept responsibility or give me my money back. I honestly feel like I’ve been robbed. It’s one thing when you bounce a check because you DON’T have the funds but it’s quite another when you have the funds and the bank actually alters the time of transactions or tells you that your funds will be available within 24 hours and then doesn’t make them available for more than 72 hours. At first, I felt fortunate that my case was well-documented and that I could clearly show the manipulating of entries and mistakes made by the bank. Unfortunately, this PNC bank’s “customer service” rep was downright degrading and condescending and kept cutting me off when I tried to explain to her what had happened. Even though the bank ultimately admits it gave out bad information on when deposit funds would be available and how much would be immediately available, they are not unwilling to refund my money. It’s a long-winded way to my question: Do you have any more information on how to successfully get those NSF fees back when the bank manager approach doesn’t work?