Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

I was a costumer of BBVA bank, I was sent a letter notifying me that BBVA was now going to be PNC, I received the letter in XXXX and that the final take over would take place on XX/XX/21. BBVA will be closed from the XX/XX/21 at XXXX, XXXX until XX/XX/21 I would not have access to my account until the XXXX. I went threw my XXXX XXXX XXXX XXXX XXXX XXXX to pay my payment of {$640.00}. I made that payment XX/XX/21 since I could not use my bill pay at the bank. 
As of XX/XX/21 I had {$1700.00} in my account, I had an appointment with XXXX XXXX to fix an existing error by PNC wrong name on my debt card, but while there asked to see what was going on in my checking account, that is when I found out that my checking account was - {$50.00}, when XXXX printed out my account balance is when we found that 2 payments were made to Idaho XXXX XXXX by me threw XXXX. web site the other was done by PNC the one by PNC was done unauthorized, the manager of the bank asked if I had my house payment on Auto pay I said no NEVER EVER, yes at times I will use my BBVA bill pay when I cant get threw XXXX XXXX XXXX XXXX I was told to call my mortgage co to see if they would reverse the charges, which I did, I was told ( do not know the name of person I talked too ). was told it would be faster if the bank put in a dispute. 
I did on XX/XX/21 reference # XXXX, I was told the money should be back in my account within a XXXX days. ( good as I do have auto bill pay for my health insurance car insurance and my XXXX XXXX XXXX  bills that are coming due and with the what the bank did I have no money to pay those bills ), I went back to the bank again as no money was in my account and this was the beginning of the snowball effect, And that is when my account started to go in the negative. I do have over draft protection so they used that, the amount used from my overdraft was {$420.00} which now I am told they will automatically withdraw from my checking account and if not paid in full they will add 21 % intreast on that, *note they automatically took their {$10.00} from my account on XX/XX/21 I went back on XX/XX/21 as still no money was in my account, I was told then it would be on the XXXX and yet again Nope, Now I was told that I had to call the Dispute dept. was told then that it was denied, they refiled a dispute on refer # XXXX I then put a formal complaint /with the bank was told that XXXX XXXX would be handling my complaint I /called and and emailed her XX/XX/21 and another 3 -4 times and not one time did she return my call or email, I called on again on the XX/XX/21 I talked to another person in her dept was informed that XXXX would call me by the end of the day or email me they would file another dispute but I should just leave it as is cause as now my XXXX house payment is made and at least that wont be late as it was due on XX/XX/XXXX even if they got it back now my payment to them would be late and not one time have I ever been late, but her advice is just pay the overdraft fees with the 21 % intrest fees, This has gone on for 4 weeks now and they have not done anything to make this right but tell me to just pay their fees that they caused. 
So no I don't think I should be the one paying for their mistake not only did they XXXX up my checking account but made my credit card payments late, so I had late fees there, the extra money that I had in my account before they paid a XXXX mortgage payment was to go to get car repairs done on my car. I am not well to do I struggle every day to pay my bills and just stay afloat. I have asked that PNC make it right fix their mistake. What they are doing is wrong.