Consumer complaint received 2015-12-10
Company: PNC Bank N.A.
State: KY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I responded online on getting my Truck wrapped in an energy drinks logo. My directions were that I would receive a cashiers check in which I did and after I deposited the check into my account I was suppose to take the money out within 10 buisness days and email the company and let them know. The check amount was {$1600.00}. Which I did! To get to the point I took the check inside handed it to the teller and she then begin counting out the money. I was thinking to myself How do they cash the check not knowing If the funds were even available in this guy 's account. So a few weeks went buy and I had gotten a hold of the guy that was suppose to wrap my vehicle and we were coming up with were to meet. So I look at my account and it 's a -XXXX dollars I 'm thinking how could this ever happen I 'm ruined XXXX to me is a lot of money or I would not of been looking to do the wrap in the first place. So I go to the bank and the lady explains to me that funds were insufficient on the check. Im in awe over this I 'm getting ready to have to pay all my bills been a good customer of Pnc bank for a very long time as well as my whole family and never had something like this ever happened to me. So I asked the teller a diffrent one what there procedures were on cashing checks. She explains to me if there is n't the money in your account to cover the check it has to clear through the 3rd party before it is available in Our PNC customers account. Then I begin to think why was I treated differently was I set up all kinds of things ran through my head. So I allow myself to go home and think about the situation before I called the bank manager. Well the next day I finally calmed down enough to do that and I asked her what are the regulations on cashing a check not written on PNC bank and that I did n't have the funds to cover it in my account. She explained to me the same that the check has to clear before we can make the funds available to you in your account. I then asked her why that when I brought the check in with only XXXX $ in my account would the teller cash a check from an unknown individual from a diffrent state and that does n't have an account with PNC or was a pnc check. She explained after putting me on hold for 20 mins that it was an error she did not follow procedure and that the reason she cashed the check was because Id been a long time customer of PNC bank In XXXX KY. I was relived for a second until she then begins to tell me that I would still be reliable for the check and I would have to payou it back in explained I only have half of the check left and that I felt like I did my job as a customer of the bank by going in to DEPOSIT the check. And that I did not ask for it to be cashed or expected for it to be as a matter fact. I have tried before to cash a big check but never had been successful until they found out if the check was good. That is customer relationship not cashing the check then finding out they had no funds in there account a couple weeks later. So I payed what money I had left back to the bank which was my boys deceased mothers check they get each month for XXXX ... and they then turned me over to collections on the rest I feel I was discriminated against that if the teller had done her job right none of this would of ever happened just because I was a good customer was the reason she said she cashed it on the spot. Does n't mean you do n't go by procedure, specially dealing with money that I did n't have in the first place. I could of understood if it was my name me writing the check and she trusted me but that was n't the case she was putting trust in an un known person that they had that amount of money in there account. Now I ca n't get a bank account to because of her actions I did my part as a customer and I think PNC should be liable for there actions. Thanks for your time XXXX XXXX

Company response to consumer: Closed with explanation