I went in to the local PF and they swore to me that my account was frozen, my bank charged me an overdraft fee for the PF charge that occurred not long after. Now I'm faced with overdraft at my bank and a late fee with another establishment totaling nearly $70. I'm furious and will be certain to make known the frustrations PF has caused me. User's recommendation: Turn and run from PF and save yourself money on the jog.