Consumer complaint received 2019-05-07
Company: PNC Bank N.A.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello! My name is XXXX XXXX and I am contacting you all in reference to a Debt Collection of {$350.00} made by PNC bank on XX/XX/2019. This collection debit that was made by PNC bank was claimed to be for a payment that was overdue and wasn't received on XX/XX/2019, this payment was late but was not 30 days late and was paid on XX/XX/2019 due to a recent job change and the way my paycheck began falling within the system. On XX/XX/2019 I paid {$360.00} for my auto loan on my XXXX XXXX XXXX that was due XX/XX/2019. Again, while this payment was late it was not 30 days late. While checking my checking account on XX/XX/2019 I noticed another charge of {$350.00} made by a check that was supposed to be authorized by me to transfer this amount to my auto loan which I did not make or authorize. My payment wasn't due until XX/XX/2019, so PNC debited my account for a payment that wasn't due. After their unauthorized transaction of {$350.00} this resulted in my account being overdrawn $ XXXX along with a overdraft fee of {$36.00}. I attempted to reach out to this organization in reference to the {$360.00} that was unauthorized and transferred to my auto loan account without my permission and they stated that this was debt collection for when the payment of XX/XX/XXXX was not paid. I have a Installment payment notice slip stating that I paid {$370.00} which is {$6.00} above my regular payment for the month of XX/XX/XXXX. If this payment was late to PNC and was this overdue to this organization they never attempted to contact or reach out to me in reference to this supposedly overdue and unpaid payment, nor was it reporting to my credit bureau. I spoke to 3 different people including a manager on XX/XX/XXXX for over 3 hours. The first spokesperson I spoke to was very understanding and was going to attempt to get my money refunded to my account. While on the phone he attempted to transfer me to Online Banking which later disconnected me resulting in me calling back concerned for my bank account. When contact was made back with this organization I spoke to a female that was very rude and irate towards me and unwilling to help me resulting in me asking for a supervisor of which when I was transferred to a Manager. Once on the phone with the manager this female stated that my payment for XX/XX/XXXX was late and I had not payed this payment resulting in their collection agency removing {$350.00} from my checking account without my permission. The manager stated that I could dispute the charge but it would be too late for them to refund it to my account due to the upcoming payment for XX/XX/XXXX, she informed me that she would be providing me paperwork for a dispute to stop the transaction which I have never received 3 days later. The manager then refused to help me or look any further into my account after I stated I would be contacting my attorney in reference to this complaint. I contacted PNC Bank again on XX/XX/XXXX and I spoke to XXXX on in reference to the incident and XXXX confirmed that all of my loan payments had been made, while I had paid payments late - not one time had I ever been 30 days past due or sent to their collection department. PNC Bank still refuses to do anything in my favor to help me. I have attempted to reach out to this organization in an attempt to get my payment date modified to better fit my new paying schedule but they are unwilling to work with me. I have done everything possible to work this out within this organization and they refuse to help. Thank you for your time.

Company response to consumer: Closed with explanation