Consumer complaint received 2016-08-10
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/16 I was informed by the bank via text message banking that my checking account was negative {$5.00} and was assessed a {$36.00} NSF fee the next day on XXXX/XXXX/16 which brought my balance to negative $ XXXX.Due to my work hours I am not available to go into the bank during normal bank hours to put money into my account. With that said I deposited {$40.00} into the banks ATM XXXX. I went home and and checked my text message banking and realized that my account was still negative {$1.00}. I then got out of bed and went back to the ATM at XXXX to put {$5.00} dollars into my account. According to the ATM receipt I had {$3.00} available funds at XXXX om XXXX/XXXX/16. In addition I have multiple text messages received from the bank between XXXX and XXXX that advise that the accoutn was only negative {$1.00}. I went to the ATM and deposited {$5.00} into the account at XXXX to bring my account current before the end of the day.The receipt that I received from the ATM at XXXX advised that I had an avaialble balance of {$3.00} The next morning on XXXX/XXXX/16 I was assessed a second {$36.00} NSF fee XXXX According to the branch representative that I spoke with the bank was not capable allocating ATM deposits after XXXX althoughthe receipt that I received from the ATM at at XXXX and XXXX all show that the money that I was depositing was being put into my checking account.With that said, even though I have receipts showing that my account was brought out of the negative on XXXX/XXXX/16 at XXXX according to the bank representatives that I spoke with I did not have available funds and I am supposed to to accept that the ATM receipts lied. 

The bank representatives also advised that a check for {$6.00} was withdrawn from the account at XXXX on XXXX/XXXX/16 - apparently after the time that I am able to put money into the account to prevent NSF fees. Since the bank put this check thru at XXXX I would have only had XXXX seconds to avoid the NSF fee but since the bank will not accept my deposits after XXXX anyway I would have no way of avoiding the fee - this is predatory especially considering that I am running to the ATM in the middle of the night to avoid fees that the bank has made " unavoidable ''. 

This means there is no way for me to prevent being charged NSF fees because I can be charged up to XXXX but any deposits that I make to cure the deficiency after XXXX will not be counted until the next day and at no point did the bank advise me that my deposits were not being counted as I have receipts from the ATM and text message from the bank stating otherwise. 

With that said I have been assessed a total of XXXX NSF fees of {$36.00} each which is a combined {$72.00}. The first fee was for due to a negative balance of {$5.00}. The next day I cured the negative balance according to the text messages and receipts ( which the bank personnel are telling me are not correct ) but still received a second NSF fee because the the bank only gave me XXXX seconds to avoid the second fee by putting thru a check at XXXX while at the same time not accepting cash deposits after XXXX. This caused account to go negative again by {$2.00} after every effort not to including depositing money into the ATM at XXXX. So now I was forced to pay another {$36.00} in fees for a {$2.00} delinquency that was impossible for me to avoid. This bank has charged me {$72.00} because of {$5.00}.

Company response to consumer: Closed with monetary relief