PNC Bank Feedback
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PNC opt in or out program of overdraft protection
We currently opted in to the program based on how the program was explained to us, however it wasn't explained properly and we ended up with a large amount of overdrafts. Had the program been explained fully to us at the time we never would have opted in. When I called the customer service line I was connected to a gentleman that was extremely pleasant and very knowledgeable of the program. He took the time to explain the program at which time I opted back out of the program. He told me that even if you are in the negative you'd still be able to use the ATM to withdraw cash. At the time we opted in we were not told this and believed that the protection was for automatic payments and checks and once you were in the negative you would not be able to use the ATM. We were wrong. The amount you can go into the negative is based on the type of checking account you have. The program isn't the best thing PNC offers, however the customer service rep I had was outstanding and went way above my expectations of trying to help me get this resolved. Needless to say I still have a large overdraft total to pay because the program wasn't explained properly. Not happy with program but kuddos to customer service. I feel that the people that are telling you about programs that are being offered should have very through training before they tell people about these offers and should be required to be tested before they go to the public.
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0 I had a similar complaint. I recently opened an account at PNC, downtown Columbus, Ohio. The banker who opened my account was not very attentive as I requested repeatedly and under no uncertain terms that I did not wish to be opted in to any overdraft coverage program. Instead of seeing to it that my account was set up as requested, she ignored that request. Later on, my account was overdrawn by $9.00, but their was a $72.00 overdraft fee placed on the account for two small amounts paid by PNC. It is the customer's responsibility to make certain their account balances, but had my account been set up as I requested, I would not been charged the $72.00, and my account would not have been overdrawn. Fortunately, an agent from an 888 customer service phone line cleared things up for me, and the charges were removed. When I made the complaint to the bank managers downtown, they basically gave me every excuse in the book as to why the Opt Out incident could have been no fault of their own, instead of trying to fix the problem. I wasn't there to blame anyone, I just need the problem fixed, which they weren't at all willing to do.
0 I have a similar complaint. I recently opened an account at PNC, downtown Columbus, Ohio. The banker who opened my account was not very attentive as I requested repeatedly and under no uncertain terms that I did not wish to be opted in to any overdraft coverage program. Instead of seeing to it that my account was set up as requested, she ignored that request. Later on, my account was overdrawn by $9.00, but their was a $72.00 overdraft fee placed on the account for two small amounts paid by PNC. It is the customer's responsibility to make certain their account balances, but had my account been set up as I requested, I would not been charged the $72.00, and my account would not have been overdrawn. Fortunately, an agent from an 888 customer service phone line cleared things up for me, and the charges were removed. When I made the complaint to the bank managers downtown, they basically gave me every excuse in the book as to why the Opt Out incident could have been no fault of their own, instead of trying to fix the problem. I wasn't there to blame anyone, I just need the problem fixed, which they weren't at all willing to do.
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