Consumer complaint received 2020-12-10
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had {$16.00} in my bank XX/XX/2020, I made 2 charges of {$4.00} and {$11.00} which was pending on my account. Pnc bank charged me an overdraft fee of {$36.00} before the 2 payments posted to my account which my account was not negative and wouldnt have been if they wouldnt have charged me the fee for no reason, so them charging me the {$36.00} when I only had {$16.00} it made my account over drawn. Then they charged me 2 over draft fees the same day XX/XX/2020 for the 2 items that should have been covered and still positive. So the day of XX/XX/2020 they charged my account 4 over draft fees of {$36.00} each. First one was a mistake that caused me to go negative, then the next 2 for the 2 purchases I made before they made my account negative, then the 4th I have no clue why. I did have a bill that came out thru XXXX for {$200.00}, which I knew it would be an overdraft and an accidently purchase {$25.00}, I made which i accept those 2 fees. On XX/XX/2020 they charged me 3 and then on XX/XX/2020 they charged me another one. So in total the bank charged me 8 over draft fees for 2 items that I knew would cause those all because they charged me an over draft fee when my account was still positive. I spoke with the 1800 number for the bank XX/XX/2020 and they filed a complaint. then I went to the bank in XXXX Indiana to speak with an accountant and she bluntly told me after I showed her my bank print out and explained what happened, I do see what happened and I understand, but since I filed a complaint over the phone it was out of her hands at the branch. But she said what she is looking at they wont do anything or even cal me back about the matter and she was sorry for the trouble. She would not explain why they would not fix their mistakes or any kind of explanation. I was with her for probably 15 mins till she said have a nice day. I have not heard from the complaint department and when I call they say I have to wait to hear from them. I tried to have my HR dept put a stop on my paycheck I get this friday XX/XX/2020 till it got fixed and I switch banks but the paycheck has already been sent for processing. My account is now {$520.00} negative, I have to pay rent, daycare, and gas for work. They refuse to even reverse them till the matter is fixed. They refuse to do anything even tho they said they understand and see what happened because I had 2 reversed at the beginning of the year. I have had issues with over draft charges being placed on my account before and because I had no purchases come out that day they reversed them immediately before I even knew and with them charging them in the past at random and causing issues similar to this but not has severe. Instead of them reversing their mistake and it being on them they counted it against me on forgiveness overdraft fees that I'm allowed each year. I am switching banks as soon as this gets fixed and I have also filed a complaint with the Pnc head quarters along with the XXXX. I am at a loss on what to do cause no I have late fees for rent cause I can not pay and I am having to find assistance to get XXXX  gifts for my XXXX  young daughters.

Company response to consumer: Closed with monetary relief