Consumer complaint received 2022-12-30
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I will try and explain this in the most comprehensible manner- it gets a little convoluted because of how PNC treated an unauthorized debit charge to my account on XX/XX/XXXX, XXXX first by paying it, and then treating the situations as if it were a credit card charge-back dispute ( I got my start XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX so I know charge-backs ), and thus inserting themselves in an argument they had no business getting involved in and because they had paid the charge to the merchant XXXX  ( and never reversed it -even temporarily ) my numerous attempts at getting information for XXXX and working through the problem - was a nonstarter cause they had been paid- ultimately resulted in PNC reversing the temporary credit and hitting my checking account with this unauthorized disputed charge RECENTLY and here is the kicker, I had two bills for two credit cards to be paid that were scheduled to be paid but PNC reversed the XXXX ( bouncing them ) in order to apply those monies to the XXXX debit reversal which was huge- originally back on XX/XX/XXXX when I had about XXXX XXXX in my checking account- {$2300.00} and then on XX/XX/XXXX when I had the money to pay {$78.00} XXXX XXXX XXXX  and {$62.00} to XXXX leaving me a XXXX {$1.00}, they unpaid those to and bounced the payment and and added back the {$78.00} and {$62.00} to the {$1.00} and then put the {$2300.00} putting my checking account to a negative {$2100.00} ( they also charged me to bounce fees for the {$78.00} and {$62.00} at {$36.00} a piece but since then removed them ) So I had to pay both those charges again plus the cc bounced check fees from a different bank checking account and my PNC checking balance sits at this - {$2100.00} since. And I swear if they close this and report me to the XXXX XXXX I will sue them. 

So here is how it happened, for XXXX years I had been renting a car through XXXX with XXXX. I was deactivated after 7 years and with a XXXX rating abruptly and without cause or my understanding - that happened on XX/XX/2022. I went to return the vehicle but owed for the week {$330.00} which I did not have - AND BELIEVE ME IF I KNEW PNC WOULD ALLOW A DEBIT THAT LARGE against my checking account balance I would have settled up- Because I had a relationship with the people at this XXXX ( after XXXX years ) and because I didn't think I had the ability to overdraw my PNC XXXX account on a debit charge ( at all ever- it NEVER was allowed by PNC XXXX XXXX attempted to charge XXXX XXXX more than was in my checking account IT ALWAYS was denied. Anyway the guy there knew I was upset with XXXX and appealing and he told me to take car home and ... .. hopefully I was back XXXX,. that didn't happen and I suffer from XXXX XXXX ( enough to be awarded XXXX for XXXX and a host of other -- in my past ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I couldn't get the car back to XXXX until XXXX XXXX when the XXXX was closed but had left in the return parking space keys under mat and a note explaining that I lost the appeal - still didn't have the XXXX to pay bill but would contact XXXX and make payment arrangement. I owed now XXXX weeks at {$330.00} so {$1000.00}. And I might add after XXXX years nonstop renting from XXXX with not even a free bonus day ever thrown in, I was 100 % okay with having to make an arrangement-plus I had no choice no money. 

XXXX XXXX had sent a return the car letter during this time with a number that you could NEVER EVER get though- you couldn't; leave a message and after waiting on hold for so long they would disconnect the call. So I couldn't call to say what the delay had been NOR when I dropped off car I tried all day Monday to let the national XXXX know- I knew XXXX the local would seat and find my note and key inside ( which they did ) BTW I took a picture with the date stamped of car in return space. 

So I was absolutely flabbergasted when PNC accepted and put through a debit charge from XXXX for XXXX XXXX throwing my checking account into a negative status and causing the problem that I still face. A. no matter what this amount far exceed what I knew was owed and regardless did not have the funds to pay. How PNC would accept such a huge charge and pay it when I had only {$18.00} in my checking account is mind blowing. When I protested and started right off with the premise that this never should have been a debit charge accepted by them. XXXX I knew I owed around {$1000.00} which only XXXX days early had I returned car and was waiting to hear from XXXX to make payment arrangement. I still have no idea how they came to the amount- and as I said my XXXX attempts contacting XXXX XXXX got me nowhere because they had been paid by PNC XXXX they had no incentive or desire to help me. 

So even though I still have the position that PNC never ever should have accepted this debit amount and that there was no justification to pay {$2300.00} when my daily balance never exceeded XXXX XXXX  YEAR, I let them treat this like a charge back and my reason code was UNAUTHORIZED charge. We canceled my debit card number AND I learned I did have a overdraft allowance on my debit card that I never was aware of ( and it was {$100.00} ) I made sure that I did not have any overdraft on my debit- ALL my life if I don't have the funds available in my checking account - any charge to my account that exceeds my checking account balance is REJECTED. 

Now before PNC decided that this was a legitimate charge ( how? based on what? ) and to reverse the credit ( to my checking account ) on XX/XX/2022, PNC accepted a debit charge from XXXX for {$88.00} and took the $ out of my checking account - throwing it into a smaller negative balance. I called them up and asked how did this happen? I had no idea what an {$88.00} XXXX charge was for - the car had been retuned in XXXX - furthermore I had canceled the debit card that the charge was put through PLUS I didn't have {$88.00} in my checking account- so this is being disputed too. NO other institution or myself attempting to use my debit card when I don't have the funds in checking EVER gets through but XXXX I suspect they use PNC bank and are a huge client. I want out of XXXX I the XXXX charges reversed so I can close this account but they won't let me. 

I know I will XXXX again and that I have to resolve this with XXXX so I can use them again. But I can't get XXXX the line to talk to me because PNC paid them and double what I owed. 

Now I can attach all my letters to PNC and XXXX if you allow. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation