Consumer complaint received 2018-06-04
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am over a 30yr customer of PNC Bank. I originally opened a PNC bank account in approx XXXX on XXXX XXXX in XXXX and have maintained several savings and checking accounts and loans with PNC since then. 
The week of XX/XX/XXXX, I went into my PNC branch in XXXX XXXX and requested to speak with someone regarding a short term bridge loan of sort. Since, I have a home closing scheduled in XXXX  that will provide me with over {$900000.00} in liquidity in late XXXX. This because I had a chance to purchase and take possession immediately of two XXXX outboard engines that are on back orders for over 9 months. Rather than sell stock ( pay capital gains etc. ), I asked about this financing from PNC. 
I was told ( errantly ) that I could take out a PNC Visa card with a line of credit of {$12000.00} that would be tied to my PNC checking account as overdraft protection. That was perfect since I had {$26000.00} in my account and needed to write a {$30000.00} check for the engines. So I filled out the paperwork for the XXXX with the rep at the bank and was told I was approved. I waited a week until I had to write this check and went out of my way to stop into the bank to make sure the account was set up correctly. I informed them I was writing the {$30000.00} check. They reviewed my account on the computer and said all is good and that this check would clear. 
I presented the check to XXXX XXXX XXXX  and was shock to get a call on XX/XX/XXXX that it bounced. I went back to the branch and they said it was because I hadn't used the new PNC Visa card. The person I wrote the check to was very upset that he bouncing checks cause of my check not clearing. So I took the time and expense to wire him {$20000.00} from my PNC account on XX/XX/XXXX. So I used the card several times that morning and drove 30 miles each way to XXXX XXXX XXXX  to give him a new check for the remaining {$10000.00} that the bank again had assured me would clear. On XX/XX/XXXX this check bounced again and the dealer was close to breaking the sale of the engines which would have resulted in me waiting nine months for engines. So I again went back to the branch and 2 reps and the manager didn't understand what was going on and that the check should have been honored. The said write another this time it would work. Instead I asked them to call their PNC credit card service which advised the bank personal and me that the card had a credit limit of {$12000.00} but just {$1000.00} for an overdraft benefit. 
This left me scrambling to pay this balance so XXXX XXXX XXXX  agreed to take the visa card if I paid the {$400.00} bank fee which I did. 
So in conclusion, several different bank representatives and the branch manager didn't know their product. Most likely pitched it for a commission but worst caused me nearly a week of anxiety, extreme embarrassment literally 12 hours of my time and a slew of FEES. 
When I requested that they credit my account the very fees their bank charged me from their misinformation and advise they said they could not. To settle this matter, I would respectfully request that my account is recredited the {$72.00} in two returned item fees, {$12.00} return of deposit fee, the wiring of funds fee and the PNC Visa fee of {$400.00} I was charged on the PNC Visa at XXXX on XX/XX/XXXX reaccredited to my account. I also would like the New credit card cancelled and any fees associated with the opening of that card recredited. It would be a nice gesture for the bank to credit me something for the time, embarrassment and travel costs of driving over 120 miles trying to straighten out the mess that they caused and perpetuated from their lack of knowledge in their own products which they advise and sold to me for a profit to themselves and the bank. Lastly, I would like to acknowledge that none of the conduct of the employees of the bank had the intent to defraud or deceive and they were very helpful. They were just lacking the proper training on the financial products they were being asked to recommend. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Checking account # XXXX

Company response to consumer: Closed with explanation