Consumer complaint received 2017-08-31
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC Bank, XXXX XXXX XXXX XXXX, XXXX DE  XXXX On Saturday XX/XX/XXXX I went into my PNC bank and deposited a check for {$1700.00} into my virtual wallet reserve account. 
The full balance of the funds became available on Tuesday XX/XX/XXXX.
On XX/XX/XXXX I transferred {$1000.00} from my reserve account into my virtual wallet spend account to send to a moving guy to take a piano this gentleman was purchasing from me that and the {$1000.00} was the cost of moving and shipping the product. 
So, on XX/XX/XXXX, I went to XXXX got A XXXX XXXX XXXX and sent the {$1000.00} from my spend account. 
Later on that same day XX/XX/XXXX I tried to use my debit card and it was declined. I looked at my account to find I had no funds available, which at the time in my spend account I had approximately {$200.00} in the account. 
I called the bank to see what was going on, they said that it appeared I deposited a bad check, and the bank put a hold on my account. Since it was after XXXX, the bank rep said that I should call the Deposit Loss Avoidance Department at XXXX XX/XX/XXXX. 
I called the Deposit Loss Avoidance Department they told me that I was scammed and they hear this a lot. I asked what was my options to correct this situation. They said if you used any of the funds, I would be held responsible for repaying back the amount I used. 
I asked if you made the funds available, why would I think any different that the check was already verified for me to use the funds? She told me it 's federal law, that they have to release funds within 48 hours, but that does not mean that the check had been verified. 
Again, I asked the question why would n't I use the funds if PNC made the funds fully available for me to use? The Rep said they are not responsible for the checks I deposit and that I should watch who I do business with. 
When I went back to the branch and explained the situation, they called Deposit Loss Avoidance, and ask what can be done to release the funds or determined the good money from the bad. But, again that department said because I transferred the money into my spend account from the reserve account they had to put a hold on both accounts. 
In the meantime my direct deposit goes into that account as well. When I call the company I work for Hr department to see if I could stop that direct payment ; they said it was already processed and they could not stop it. They said I would have to call the bank and ask them to send back the funds, so they could then give me a physical check I called the bank and tried to explain to them that they are literal leaving me without a means to pay my bills, buy food, etc. They said again that there was nothing they could do outside of me paying back the amount that I had used which was {$1000.00}. My account was a negative XXXX. 
Also, my paycheck went into that account. 
And, all PNC could say is that i am 100 % responsible for the checks that I deposit, and PNC has no responsibility as to the validity or whether or not the check is good or bad. 
So, my question is as a consumer, how would I know if check is good or not ; unless I deposit it into a bank? 
The rep also told me I could have went into the senders bank to verify the funds. 
I explained I am on the XXXX coast and the sender was on the XXXX coast, so how was I suppose to verify whether the check was good or bad? 
So, PNC has been less then sympathetic of a 9 year customers circumstances. Literally saying it 's not their problem if I have absolutely no funds and no way to get to my direct deposit check. They would not make any exceptions while knowing the situation. And, to add insult to injury they are holding me responsible for a bad check, that they themselves made available for use. 
As a consumer you assume that if you deposit a check and the bank make the funds available, It would be another assumption that they have verified the funds which they made available. Clearly, this is not the case.

Company response to consumer: Closed with explanation