Consumer complaint received 2017-12-22
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have been with PNC Bank for a few years and have never had a complaint until now. PNC has always worked with me to resolve issues that I have had in the past and we always came to a successful resolution. However, On XX/XX/XXXX, PNC allowed a XXXX debit card purchase to come through my account which was not supposed to happen because my account had insufficient funds at that time. I opted out of the overdraft protection for that purpose so that if I did n't have enough money to cover a charge it would n't come through. On XX/XX/XXXX I called PNC to discuss why that happened and the agent could n't tell me why, she just said it should n't have happened and that it was labeled as a recurring charge which is not true because it was a XXXX  charge and it 's not something that is recurring from week-to-week or month-to-month. Because if I choose to use the post office instead of XXXX then XXXX ca n't charge me anything. When i contacted PNC on XX/XX/XXXX, although they said they couldnt refund the transaction amount, they did refund my over draft fee that was cause by the transaction ... Now my problem is I 'm being charged {$7.00} per day continuous overdraft even though the charge that came through on XX/XX/XXXX should n't have ever come through. Which is causing my account to become further and further and further overdrafted. And when I contacted PNC they stated that debit card transactions will be rejected if you do n't have enough money in your account ... But now it seems like if it 's labeled as a recurring charge then they will allow it to come through even if it 's your debit card and you do n't have enough money in your account. Who made the determination that this merchant has a recurring charge associated with my bank account ... this is a XXXX shipping account and the amounts due from one month to the next can be different. Whatever I ship that 's was charged If I decided to use them at all ... this is not a revolving credit account ... For the life of me I ca n't understand why Banks look at every possible way that they can find to continue to charge consumers money for things that are beyond the consumers control. And its only hurting the consumers. Because at the end of the day if the bank policy is to not honor a debit card transaction if you have insufficient funds then the bank should stick to that policy especially when the consumer opted out of overdraft protection for the purpose of avoiding this problem. But now it seems that banks are relabeling these transactions just to allow the charge to come through so that they can guarantee excess money from the consumers which is a red flag as far as I 'm concerned.. So in the end it apparently really does n't matter if you opt out of overdraft protection or not because since the government Forced Banks to allow consumers to opt in or out of overdraft protection, I 've been with a few Banks over the years and all of them look for every reason to allow the transactions to come through anyway to justify these fees ....

Company response to consumer: Closed with monetary relief