Okay, so maybe this was my fault, but I really like to think that I was the victim in all of this.
Before I left Philly, I got a couple of voice mails from a collection agency, who neglected to leave any information, i.e.: what agency, the company who hired them, etc. So I called back a couple of times and each time I was on hold for at least 10 minutes (on daytime minutes), so I hung up. Well, when I got to Vegas, there was a letter waiting for me. Come to find out, PNC Bank, in Philly was trying to say that I owed them over $100 bucks. Oh no, no, no I don’t!
Let me tell you the story behind PNC. A while ago, like well over a year, I deposited cash at this bank in an attempt to pre-empt an overdraft. Instead, the cash, CASH, that I deposited took four days to clear and I ended up with an over draft charge. Now, I don’t have a lot of money, and I worked very hard to prevent this occurrence, so I called to dispute this. The manager that I spoke with was unkind, insensitive, obviously having a bad day and would not refund my money. Fine. Not a problem. I just transferred all of my money, except for $5, to my good bank in San Antonio. I left the account open in case I had a money emergency and needed a bank in Philly. But I never touched that account since that event, so for me to have a large fee with them really made my blood boil.
Following up on my collection notice, I called PNC and the guy tells me that I over drafted back in April 2009 on a $16 Philly Car Share charge.
Let me give you the background behind Philly Car Share. I signed up for this free program at least two years ago, and I decided that it wasn’t worth the money that they charge you when you actually rent a car; and I could get a cheaper car from a rental place. So, even though I signed up for this program, I never used it, and I should have canceled my membership, but again, I never used it, so it was off my radar. Off! Until they changed their policy and decided that they were no longer offering free memberships and everyone would have to pay a monthly fee. Apparently they sent me an email, but I’m not gonna lie to you. Clearly I didn’t read it and missed the part where they said they were going to charge me money for a service I wasn’t using. Perhaps if they had labeled the subject properly, I would have opened it. I’m assuming that it said something like, “Philly Car Share is Green.” I think we can all agree that that is not nearly as effective as, “We are now going to charge you for a service that you no longer use and as a result we will over draft a bank account that you no longer use, resulting in over $100 in late fees, unless you send us an email canceling your account.”
It’s the principle here. I feel taken advantage of. Sigh. Here I am, with no job, no home, no source of income and I still seem to be accruing debt. To make a long story short, I am in an all out battle with the collection agency.
Before I left Philly, I got a couple of voice mails from a collection agency, who neglected to leave any information, i.e.: what agency, the company who hired them, etc. So I called back a couple of times and each time I was on hold for at least 10 minutes (on daytime minutes), so I hung up. Well, when I got to Vegas, there was a letter waiting for me. Come to find out, PNC Bank, in Philly was trying to say that I owed them over $100 bucks. Oh no, no, no I don’t!
Let me tell you the story behind PNC. A while ago, like well over a year, I deposited cash at this bank in an attempt to pre-empt an overdraft. Instead, the cash, CASH, that I deposited took four days to clear and I ended up with an over draft charge. Now, I don’t have a lot of money, and I worked very hard to prevent this occurrence, so I called to dispute this. The manager that I spoke with was unkind, insensitive, obviously having a bad day and would not refund my money. Fine. Not a problem. I just transferred all of my money, except for $5, to my good bank in San Antonio. I left the account open in case I had a money emergency and needed a bank in Philly. But I never touched that account since that event, so for me to have a large fee with them really made my blood boil.
Following up on my collection notice, I called PNC and the guy tells me that I over drafted back in April 2009 on a $16 Philly Car Share charge.
Let me give you the background behind Philly Car Share. I signed up for this free program at least two years ago, and I decided that it wasn’t worth the money that they charge you when you actually rent a car; and I could get a cheaper car from a rental place. So, even though I signed up for this program, I never used it, and I should have canceled my membership, but again, I never used it, so it was off my radar. Off! Until they changed their policy and decided that they were no longer offering free memberships and everyone would have to pay a monthly fee. Apparently they sent me an email, but I’m not gonna lie to you. Clearly I didn’t read it and missed the part where they said they were going to charge me money for a service I wasn’t using. Perhaps if they had labeled the subject properly, I would have opened it. I’m assuming that it said something like, “Philly Car Share is Green.” I think we can all agree that that is not nearly as effective as, “We are now going to charge you for a service that you no longer use and as a result we will over draft a bank account that you no longer use, resulting in over $100 in late fees, unless you send us an email canceling your account.”
It’s the principle here. I feel taken advantage of. Sigh. Here I am, with no job, no home, no source of income and I still seem to be accruing debt. To make a long story short, I am in an all out battle with the collection agency.
PNC CAN SUCK IT!! i hated using that bank when i was in PA. they are evil. i ordered something off amazon the other day and it directly used my past info with pnc bank instead of my new AUSTIN account and the transaction ACTUALLY went through. now... how does a transaction go through on a closed account? well, because when they told me it was closed when i pulled out all my money and CLOSED it, i believed them. WRONG. ugh. it was so annoying to take care of. thankfully amazon withdrew the transaction and it was easier to take care of. HERE YE TO ALL WHO HATE PNC!!!!!!!
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