Consumer complaint received 2017-08-18
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am writing to submit a complaint against PNC Bank for unfair overdraft fees. First, I will begin by stating that I never officially " opted in '' for PNC cover any overdraft on my account. With this being the case, they should not have paid the charge when posted to my account. On XXXX XXXX, 2017 I left for a 7-day vacation out of the country and was not aware that a charge posted to my account that same day, causing the account to become overdrawn by {$9.00}. It was not until I returned home from vacation late in the evening of XX/XX/XXXX, that I learned that my account had been overdrawn and an overdraft fee of {$36.00} was assessed along with several daily fees of {$7.00} ( per day ). I attempted to contact PNC that very evening, but could not reach a live representative, as their offices were closed. On Saturday, XX/XX/XXXXI again placed a call to explain my extenuating circumstances and request a fee reversal. I was told at that time someone from the Escalation Department would have to get back to me on Monday. I agreed and provided my contact information, despite my concerns of compounding fees over the weekend. I received a return call late in the afternoon on Monday, XX/XX/XXXXwhereby the manager ( insert name ) informed me that the fees could not be reversed. This was abruptly communicated without regard to the fact that I am a long-standing customer of PNC and have my mortgage as well as a checking account through them. After speaking with said manager, I decided to call PNC once more to make another attempt. Surely they could make an exception given the minimal amount the account was overdrawn, outrageous fees now being assessed and the fact that this was a rare occurrence. I was again denied any leniency. On Tuesday, XX/XX/XXXX, I decided to go to my local branch at XXXX XXXX to speak with the Branch Manager ( XXXX XXXX ) to see if there was anything he could do on his end. After spending close to an hour at the branch, XXXX had a banking associate XXXX craft an email to the regional manager to see if something could be done. XXXX  assured me that he would get back to me with an update by close of business. I did not hear back from him that day, nor the following ( Wed ). MORE FEES ASSESSED! On the morning of Thursday,XX/XX/XXXX, I placed a follow-up call to speak to XXXX and was told he would not be in the office until XXXX XXXX. I left my phone number along with a request for him to call me back. As it neared XXXX XXXX and I did not receive a return call, I decided to contact the branch once more. Someone answered, I requested to speak to XXXX and was placed on hold for 29 minutes. I hung up and immidiately called the branch back and was again placed on hold. It was during which time that I coincidentally received an email from XXXX. XXXX then answers the phone and apologizes. After voicing my frustrations, XXXX assures me that he would place a follow-up with the regional manager and get back to me on Friday, XX/XX/XXXX. I sit writing this letter and it is XXXX XXXX ( EDT ) and I have yet to hear from XXXX. The branch closes at what I believe to be XXXX XXXX. So now an entire week has passed, all the while I am given the run around and continuing to incur fees off of a {$9.00} overdraft that I DID NOT AUTHORIZE PNC TO PAY. This is unfair and downright fraudulent practices and I am appalled at this point. Anything you can do to aid in rectifying would be greatly appreciated. Thank you! XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation