PNC Bank N.A. Credit Card Complaint

PNC Bank N.A. Credit card department,

Transaction issue Pennsylvania

I applied for a pnc credit online and was approved with a credit limit of $1000.00 and cash advance limit if $100.00. One of the selling points that made me apply for the card is that it provided overdraft protection to my existing pnc personal accounts. A few days later I used PNCs VirtualWallet ( online/mobile banking ) to transfer $3000.00 from my personal checking to my personal savings so I thought. What I actually did was transfer the funds from my savings into my credit card that I was just approved for but had yet to receive in the mail therefore the card was not activated. The $3000.00 transfer was processed as a credit card over payment- when I never activated the card. I noticed the mistake and contacted PNC the next day to have it corrected. I was told that it takes up to 10 days to refund me my " over payment '' from an account I never activated so it should never t have even accepted the payment. This is now day 5 and I 've been assessed - $36.00 NSF FEES to date because all of my liquid funds were put onto the credit card


receive these fees that they should not be assessing me because the credit card should not have accepted the accidental over payment they are going to force me to activate the credit card that is the cause. This is preditory. Even if I were to activate this card it will only allow me a $100.00 cash advance which does n't even cover the fees. Mean while there 's $3000.00 of my money on this card as a over payment that I can not access. It took 3 seconds for Pnc to allow a payment ( that technically should not be allowed on a account that 's not activated ) and 10 days to return it?. My bills are not being paid including and I am in a state of crises because all of my accounts are overdrawn but PNC HAS $3000.00 of my money and wo n't even utilize the overdraft protection that I signed up for when I applied for the credit card.