On 11/21 (Fri. A.M.), I deposited a $500 personal check into my checking account. PNC credited the $500 to my online balance of $163.10, making the total balance $663.10. I made a total of twelve transactions totaling $414.38 between 11/21 & 11/24, going strictly by my online balance. So, as of 11/24, my balance showed that I had $248.72 remaining.
The next day, on 11/25 (Tues), I logged into my account and discovered $358 in pending "MISC WITHDRAWS". Fearing that someone had hacked my account or stolen my identification and stealing my money, I immediately called PNC's help line to find out what was going on, and to get some information. I was then informed that the check had not ACTUALLY cleared, and all the transactions were subject to NSF fees, regardless that my online balance indicated that it did clear. How was I supposed to know? This check was the first personal check I've ever deposited into my account ever.
So I called my local PNC branch and pleaded my case, but only offered to reimburse me two of the ten NSF fees. Two. Out of TEN. I had to ask him how the other eight differ from the two he's 'refunding' me?"Crickets".
I just think it's coincidental that PNC posted all the transactions LATE in the day on the 24th, applied the pending NSF fees EARLY the next day, and wiped out my account EARLY the day after that (26th) (conveniently after the $500 check, pending since the 21st, finally "cleared").
And so now, I'm negative -$136.81. ($358 in NSFs alone! And GROWING). OH, and the transactions were arranged from highest to lowest, nicely rearranged so that nothing cleared. Had they listed them in order, several would've cleared before the first fee was applied.
I think it's outrageous and shady. Anyway, I opened a dispute with BBB today, hopefully they come to their senses and give me back my HARD EARNED money.
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