Consumer complaint received 2018-07-04
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is a problem caused by PNC bank taking one transaction that caused an overdraft to turning it into eight transactions that caused overdrafts, and doubling the amount of over drafts to maximize fees. This is also a problem with transactions disappearing and reappearing at will and dates of transactions being changed to maximize fees. 

First I will admit I knowingly and willingly over drafted my account with PNC bank with a transaction of XXXX dollars at XXXX XXXX XXXX that ended up putting my account XXXX dollars in the hole. Now although at the time my mobile app said I had XXXX dollars and change in the bank I knew this not to be true because like a said some transactions had just magically disappeared from their system. PNC blames these magical diappearances on the company they where made with not communicating within a timely fashion with them but I know normally and with and other financial institution on the planet a company has seven days to justify a charge before it disappears. PNC has many scripted excuse for this issue but bottom line it is a problem with their system, they know it and they refuse to fix it because it maximizes fees and allows them to backdate transactions. But back to this transaction I knew I would be over drafting my account by XXXX dollars plus a XXXX dollar overdraft fee totaling to XXXX dollar negative balance in my account. I knew I had the money in another account but I didn't have access to that account at this moment so I would do this put XXXX dollars in the bank on XX/XX/2018 and all would be well. well it was not on XX/XX/2018 I looked at my PNC app and not only one over draft fee but for and the funny thing was my account wasn't overdraft till the first fee hit. Before the first fee, and yes the transactions that had magically disappeared over they weekend had know just as magically reappeared, I had XXXX dollars in my account and when the first of FOUR XXXX dollar overdraft fees hit my account was XXXX dollars. Wrong, I knew immediately what had happened because I just went through this whole process a couple of months ago PNC had redated and backed dated and changed transactions around. 

Now we go to what I have done to resolve this situation. I called PNC banks customer service number where I talked to Mr. XXXX XXXX. I explained to Mr. XXXX the situation and that I would like to file I complaint. The reason I was filing the complaint was because since I had JUST DEALT WITH THIS same issue a couple of months ago I knew there was nothing he could do about the situation at his level and there was no reason to waste both of our time. During the complaint process I informed Mr. XXXX that I was at work and I would not be home till after XXXX and to call after that time. Mr. XXXX provided me with my complaint number which is XXXX. 

At XXXX I received a call from XXXX XXXX that went to voicemail because I was at work and she requested at my as soon as could to resolve my complaint. Now remember in my complaint I requested to be called after XXXX because I was at work. I am sure this call was made in hopes of me answering the phone to catch me in a hurried and unprepared state due to how PNC operates. The call of course went to voicemail and after work when I checked my voicemail is when I got that message. I proceeded to get back home an call the number Ms. XXXX which is XXXX. The call was answered by XXXX XXXX and I told her I was returning a call from XXXX XXXX and I would like to speak to Ms. XXXX. Ms. XXXX said that Ms.XXXX  was out of the office but she could help me so we proceeded to discuss my complaint. XXXX XXXX than informed me after looking at my account that PNC can only due four over draft fees per day and I had four more overdraft fees coming for a total of EIGHT OVER DRAFT FEES. I told her there is only one transactions that caused the overdraft and there is no way that is caused eight over draft fees. She said that there where seven transactions that have caused XXXX dollars in overdrafts and that was not counting the evans transaction. She even asked me if I would like the order of the transaction at which time I told her I knew the order because I was looking at it on my records. Now of course nothing will match thanks to PNCs magical disappearing and reappearing system. The back and forth continued and became heated. At one point Ms.XXXX asked what I wanted and I told her I wanted all overdraft fees refunded. She said they where justified and that wasn't an option and I told her she was wrong and she knew it and that I would be taking it to a the next level in which she said she was the highest level in the bank and that no one would tell me any different and I told her I meant I would fileacomplaint with the consumer protection bureau and the fdic and anyone else who would listen. She again told me she was the highest level and I said fine I am going outside the bank and the call ended. 

This is the second time I am dealing with this issue.

Company response to consumer: Closed with monetary relief