Consumer complaint received 2020-06-13
Company: PNC Bank N.A.
State: FL
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:
Here is what the bank said in an email On XX/XX/XXXX, your account ending in XXXX was overdrawn. Below is some information about your overdraft. To view your Insufficient Funds Notice, which includes additional information about the transactions that led to your overdraft, sign on to XXXX Banking at XXXX and select Documents. 
Account ending in XXXX The following item ( s ) ( 2 ) were presented for posting on XX/XX/XXXX. PNC covered 1 transaction ( s ) that posted against insufficient funds.

Item Amount Action PROVISIONAL CREDIT REVERSAL {$99.00} ITEM PAID - NO CHARGE XXXX VIS XXXX XXXX {$5.00} ITEM PAID - ACCOUNT OVERDRAWN & CHARGE Net fee ( s ) totaling {$36.00} will be charged on XX/XX/XXXX. 

Please check the current balance of your account. If needed, make a deposit or transfer funds as soon as possible to bring your account above {$0.00} and help avoid any additional fees. 

To help avoid this in the future, you can register for a PNC Alert to be notified when your account balance goes below an amount you specify. Or, you can sign up for Overdraft Protection to link your checking account to the available funds in another PNC account. 

Thank you for choosing PNC Bank. 

Here is what the bank did ... ... .. 

Here is why they did what they did ( they did ABSOLUTELY Nothing to assist ) Please ask them to provide you with the message I sent them, I am not able to see the message sent to copy for you, I can only show you their response. 



WHAT OCCURRED THAT CREATED ALL OF THIS. On XX/XX/XXXX in the middle of all this Corona Virus Pandemic XXXX XXXX had a service SHIPT who would gather the grocery list and deliver to your home, this was the only way to insure that you could get toilet paper and paper towels as they would have access to the items as soon as they were delivered. You would not have to wait in line. 
I signed up for the Monthly fee not the annual fee, when I went to check out they took the whole annual fee ( this was a gliche in the computer ) everyone was trying to scramble to get work from home etc.. not every program worked the way it should. Anyway,,,, I immediately called the bank as soon as they took the annual fee and asked them to stop the payment and reverse it back to my account. The bank said no they could not and would not do that as I authorized it, they said I could request a dispute the next day and they would then reach out to the creditor but that it was to my best interest to call the creditor myself to get the money back. ( ( ( ( The calls are supposed to be recorded but may not have been since people were working from home and not a call center ) ) ) ) They gave me a provisional credit ( nice and appreciated ) however this would not have been necessary if they would have simply stopped the transaction as requested. I called them because both my Husband who banks with XXXX XXXX XXXX and My mom who banks with XXXX XXXX said their banks would stop the transaction. ( ( ( ( ( NOPE not PNC ) ) ) ) They took back the provisional credit since I was refunded the money but as you can see I was refunded the money on XX/XX/XXXX and they did not take the money back until XX/XX/XXXX over a month later. This is very bad practice on this banks part to over draft my account and Then charge me {$36.00} for an overdraft fee and since I do not get paid for another week, it is also their practice to charge you {$5.00} a day for an over drafted account. 
I am not saying they do not deserve to have the money back it is theirs however they waited till over a month to take it out of my account they could have waited for another week and 2 days. 
They were supposed to be helping us due to the corona virus situation NOT hurting us. My hours have been reduced and my paychecks are smaller. Cost of food has more than double. Please make them give me back the {$36.00} they are going to take from me. 
This is unfair and unjust banking practices. 1st they would not stop the payment, 2nd they did nothing to get the money back 3rd they overdrafted my account and NOW want to charge me. 






Here is the provisional credit they provided. 



Here is the Communication from Shipt Support where they show they are returning the Money, unfortunately I do not have the ability to show you the being of the reach out, that was actually performed on the XXXX XXXX site where it was explained everything that happened and the request for them to return the money.

Company response to consumer: Closed with monetary relief