If you have unauthorized transactions on your bank account that cuase NSF fees are there any laws that?

Question

require the bank to give you the fees back?

Answer 1

You shouldn't be libel if it's a bank error. If they refuse to refund the amount in question, just tell them you'll file a complain with the Banking Commissioner. When you first call, make sure you get the parties name, then send a certified letter to that person and give them 10 days to reply.

Answer 2

If it was your banks fault or someone somehow made an transaction on your account that was illegal, the bank should not be charging you any fees for NSF. If there was an unauthorized transaction on your account, you need to be talking to the bank before this happens again. I'd be more worried about this happening again than the fees. But then again, are you telling us all of the story? Sounds like you left something out.

Answer 3

PNC routinely stacks debits from highest to lowest in order to maximize NSF fees, for which it charges $36 per incident, and mails notices of the situation from an out-of-state office so that it often takes 4-5 days to receive notice of the problem. In multiple instances, that I have been documenting since 2005, they have charged NSF fees for invisible overdrafts that they cannot explain, eventually resulting in LOTs of bank statements with long strings of $36 NSF fees, but my account balance was never made negative, even after all the fees. PNC is clearly guilty of NSF fee abuse, and base on online complaints I have found from other PNC customers, I think I could easily document THOUSANDS of examples of blatant FRAUD by PNC. I HOPE they have the gall to try to sue me for this statement. I would WELCOME the chance to shut down that criminal corporation forever.

Answer 4

Tell the Bank and they handle this. Wait too long and it your problem. My bank will fix it. If, your bank not fix it, you need another bank.