Consumer complaint received 2022-09-28
Company: PNC Bank N.A.
State: DC
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:
Hello Consumer Help, My name is XXXX XXXX. I've been a customer at PNC for a decade or more. To there is a continuing problem with deductions in my XXXX XXXX XXXX account. The pending deductions decrease the account for several days. When these deductions finally post the money is not returned to my available balance. Literally, I have been charged one XXXX  charge 4 times in pending ( {$34.00} on XX/XX/2022 ). When this charge posts I will not receive those deductions back. It's happened before. 

XXXX charge ( {$160.00} ), on XX/XX/2022, in pending payments has not yet applied to my spend account. Yet it has decreased my free balance 3 days in succession for a total of {$500.00} according to the post calendar. This has put my account in a negative balance which I had to cover. Also XXXX ( {$4.00} ) has been in pending for 3 days decreasing my available balance by {$17.00} total by XX/XX/2022. Earlier this month on XX/XX/2022 and XX/XX/2022, XXXX XXXX XXXX 's pending payments of ( {$73.00} ) and ( {$130.00} ) decreased my free balance for 3 and 5 days forcing me to cover from other accounts before the payments finally posted to my XXXX account. When these deductions finally posted in my XXXX the daily deductions from pending remained. 

I have called PNC to discuss this issue in pending. No other card or bank service has this issue. I am owed at least {$1200.00} from this week 's these repeat pending deductions that were not immediately posted to my account. This is not the totality of loss. This is just what I've noticed from XXXX til XX/XX/2022. PNC says it is the fault of the vendor. I believe it is the fault of the PNC app for allowing repeat posting or holding of debit card transactions. They should have a department to resolve this and take of their customers ' money I have multiple payments that have already reached the merchant only to stay posted in PNC pending status for several days. This is not a credit card. These are cash transactions using my debit card. I have been keeping track of these deductions and rearrangements. Please assist me in addressing this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX Message from XXXX at PNC : Good Day, XXXX! Sorry for your confusion. When transactions hit the account and are pending, they are viewable in the Pending Activity section. This is typically appears as soon as the card is swiped or authorization is given. PNC views this as an authorization or request to suspend the use of the funds. Merchants request for authorizations can be listed for one to seven days. PNC will wait for the merchant to submit confirmation or receipt before we pay the funds from your account. Because posting is dependent on individual merchants, the authorization date and the posting date do vary. When these items officially post to the account and are paid, they can be viewed by selecting the Posted Transactions. 

If the pending authorizations have been cancelled, the merchant determines when the hold is set to be removed. 

To expedite the hold removal, Please have the merchant contact XXXX between the hours of XXXXXXXX XXXX and XXXXXXXX XXXX  Monday-Friday. This is our Merchant Hold Removal Department. That merchant will have to call without you on the phone, as sensitive business information needs to be verified and the department will not speak directly to customer 's or while you are on the line. Please ask the merchant to have the following details handy : Full card number used Cardholder 's name Date of the initial authorization Amount to be removed If the information is all inclusive and the request is within guidelines, the request will be fulfilled immediately.

Company response to consumer: Closed with explanation