Consumer complaint received 2023-02-25
Company: PNC Bank N.A.
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I scheduled a payment on my XXXX XXXX XXXX ( XXXX XXXX XXXX ending in XXXX, XXXX XXXX XXXX XXXX ). The amount was for XXXX. I accidentally selected my PNC account, which was a payment option at the time, to withdraw form. This is my savings account. Immediately upon receiving an insufficient funds email notice from PNC Bank on Wednesday XX/XX/2023 at XXXXXXXX XXXX, I realized the mistake I had made and called PNC Bank at XXXX. The call was made at XXXX and lasted for 8 minutes. I spoke with a representative, and I informed him that I inadvertently selected the wrong bank account ( I meant to select my XXXX XXXX XXXXXXXX checking ). I asked what I should do. I wanted to make sure that PNC was not going to cover the funds for me and send the money through to XXXX XXXX. I said, " If you are going to do that, then I will not make a payment out of my XXXX XXXX XXXXXXXX account, BUT I do not want to make payments out of both accounts. So please, tell me if you are just going to return these funds to my account, and I'll just pay the XXXX XXXX again out of the right account this time. '' He representative informed me that this withdrawal was denied. He said, " Your payment did not go through. It was reversed, and the money is being put back into your account. You should see it tomorrow. '' I then inquired whether there would be a late fee and asked for waiver for the mistake. He said, " There is no no late fee. We didn't send the funds through. They just go back into your account. '' I have to be honest, I felt a little uneasy because he seemed very inexperienced and didn't seem to speak english well. However, I did notice that XXXX XXXX also sent an email saying the payment failed, so I relied on the PNC rep 's statement, as well as XXXX XXXX. Both told me this payment did not go through. 
Now I have a situation where over XXXX was withdrawn from BOTH accounts. XXXX XXXX did not attempt a rebill and shows a failed payment from PNC. PNC shows a rebill from XXXX XXXX and the funds are taken from me. I have paid over XXXX for a bill just a little over XXXX. This is a large sum of money from me. Now I have PNC requesting that I cover XXXX that has been overdrawn. Where is my XXXX. XXXX XXXX does not give me a credit of XXXX, so that money is floating around and I am disadvantaged by its absence. 
I have proof that XXXX XXXX did not try to withdraw those funds from PNC again. I have proof that XXXX XXXX successfully entered an ON TIME payment from my XXXX XXXX XXXXXXXX ( because I had paid early from the PNC which told me they denied the request for payment because of insufficient funds ). So where is my money. PNC has taken money from me that XXXX XXXX does not have on file. They are threatening to make me pay late fees even though I specifically asked their rep EXACTLY what I needed to do in this situation. He said I do not need to do anything because the transaction was simply reversed. Completely false. 

You will see from my screenshot, PNC 's first message says the payment was denied and returned to my account no charge on Wednesday XX/XX/2023. You will see their second message that the funds were sent and I need to make a deposit to savings to cover the shortage to avoid additional fees. PNC has stolen almost XXXX at this point since XXXX XXXX doesn't show this payment from them ( see attached ) and they show I am short.

Company response to consumer: Closed with explanation