In the past 7 days, I have given PNC $828 in NSF fees (that's 23, $36 fees) and they can't show me where it began! But, at least the jerk on the phone DID admit that the banking computers are set up to pay large amounts first when more than one transaction is presented.
For example... Let's start with $100 in your account and a let's say that EZPASS decides it's time to refill your pass for $75. But you have 9 other charges that TOTAL $95.
So, they let the $75 go through and deny the 9 small charges and charge you $36 x 9 = $324.
BUT they COULD have...
Let the 9 small charges go through and deny the $75 and only charge you ONE $36 NSF.
THIS IS HOW THEY MAKE THEIR MONEY!
The worst part is that in looking at my statement on-line, I can't see a negative balance to figure out where this nightmare started. I called and asked them for a printed timeline of when these were presented (we all know how they hold items to be paid and it can take a week). They told me that no such animal exists and did they want to go over it with me on the phone. I told them NO! What they're telling me and what I'm seeing on-line and two completely different things!
I also told him that when you hit someone of 23, $36 dollar fees in a 7 day period, you should at least have someone type up some kind of report to prove that what they're telling you is the truth.
Oh, and before I finish, in 72 hours I've spoken to 8 different people and EACH one of them not only told me different stories, but also different amounts I'd have to deposit to be back in the positive.
I'm not even going to get into the attitudes of their customer reps or the rude things they said to me. It wouldn't do any good.
There should be a law to protect the little people from big banks and their unfair fees.
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