Consumer complaint received 2021-08-12
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX ( Friday ) at approximately XXXX I made a withdraw from my account for {$200.00}. I asked for one dollar ( {$1.00} ) bills in 2 stacks of {$100.00} each. The teller informed me that they usually don't have fresh new ones until XXXX time because people use them as gifts. However, she found 1 stack in the back and gave me another stack that was not new bills. On XX/XX/XXXX ( Monday ), undenounced to me, and without my knowledge, I was given a credit to my account for {$200.00} from BBVA. It was labeled " Adjustment XXXX ''. I was unaware of the credit due to my paycheck that is automatically deposited into that same account on the XXXX of every month. On XX/XX/XXXX I was charged {$32.00} overdraft fee for insufficient funds on a " Returned Item {$200.00} check cleared ''. I was also unaware of this transaction/charge. On XX/XX/XXXX there was a " Force Paid Debit '' on my account for - {$200.00} and my account immediately became overdrawn. It appears that the teller signed a " Debit Memo '' and, without my knowledge or consent, withdrew {$200.00} from my account almost 2 weeks after the original initial deposit was made at the branch. I was extremely upset to see my account overdrawn! I reviewed my account history, contacted BBVA Customer Service, and requested that the {$32.00} overdraft fee be removed and an investigation as to why my deposit was refunded and then debited again 2 weeks later occurred. The customer service representative said she was able to remove the {$32.00} fee, but was unable to assist me with anything else. She advised me that I would need to contact the branch for further information on what could be done about the {$200.00} withdraw, credit and debit. I contacted the branch and the teller informed me that there was an error with the initial deposit of {$200.00} so they had to credit my account {$200.00} to fix the problem, and then had to remove it again. My problem, and the issue that i have with all of this, is that I was never informed there was an issue with the original withdraw ... and i was never informed that there was going to be a {$200.00} credit, nor was I informed there was going to be another withdraw of {$200.00} 2 weeks after the original withdraw! I never signed the deposit slip on XX/XX/XXXX and was never informed about it and its very upsetting that a bank can do these kinds of things without a customers consent. I would like to formally file a complaint and ask that this series of events be investigated to see if any laws were violated. Most of the reason behind this complaint is the surprise of the withdraw, the credit and the debit ALMOST 2 WEEKS LATER but also because when I asked for an explanation of why the branch did this, the teller was extremely rude and basically told me that it was my fault for spending the money in my account that wasnt mine, when in fact the bank is the one that screwed up my banking ledger and deposited and withdrew funds and their leisure without any regard for the consequences of their actions. My paycheck varies each pay period and due to president Biden issuing tax credits of {$500.00} per household I am not used to receiving a set amount in my auto deposits. The resolution I am seeking is that BBVA be pursued for violated of any state of federal laws and cited for the actions so this time of behavior does not happen in the future to myself or any other customers. Please let me know if there is any other information you require. Thank you for your help.

Company response to consumer: Closed with explanation