Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (NC)

On XXXX XXXX, 2016 I went into PNC Bank. I spoke with the teller and informed her that I was going make a deposit of {$210.00} in form of a check and she stated that {$100.00} would be instantly cleared into my checking account. I had XXXX transactions on this date withdrawn from my account and this was confirmed with the teller. The tellers name was XXXX XXXX. XXXX XXXX confirmed and assured me that it would not exceed over my check amount. I explained to her that I am a XXXX Business Owner and could not afford any NSF charges. She assured me that I would not. Later on that day I used bill pay for {$170.00}. I had {$110.00} in my acct already in which had cleared on that day. On XXXX XXXX, 2016, I went back to the bank and spoke with XXXX XXXX. I ask her for my balance. She stated that I was in the negative and had insufficient funds. I explained everything to her and ask if I could get those charges refunded and pay the cash to make sure that everything would be covered. She stated that I needed to speak with the business manager. I was uspet and demanded an explanation. So I then made a deposit over {$600.00} through form of a check. I was told that I had accrued over XXXX over draft charges overnight. I then ask for the business manager and told her to give me my check back. She stated that she could n't. The whole time on this date I never left the bank. I requested to speak to someone higher than and she referred me to customer service. She stated that I needed to call someone else. This is a business account and my livelihood. I called XXXX different people and everyone said that it 's nothing we can do. I spoke with a XXXX XXXX and she refused to give me any NSF 's charges. I went back into the bank the next day after seeing another NSF charge. I was then told that I was in the program that paid any and all NSF charges even if the funds was n't available. PNC stated that they were authorized to approve any amount that was to come through. The Manager stated that in return they would just charge NSF charges. I never signed any paperwork or anything authorizing PNC Bank to authorize charges if the money was not there and agreeing to NSF 's. At the time I had over {$2000.00} of cash in my pocket to cover all checks. Had I been told each time that my transactions would result in NSF charges or I was enrolled into a program, none of this would of happened. There was a lack of communication on the banks part. The next day the Branch Manager stated that she submitted emails to a higher chain of command to her and reported that she had not heard anything back. Still this day I have n't back from PNC. This is unacceptable behavior and I feel as if PNC is a ripe off. I am a business owner and have rights. I was treated unfairly and was not informed of any program and additional NSF charges. I am a very dissatisfied Business customer. I will definitely be filing another claim with PNC Bank Overdraft Settlement and have discussed these actions with my Attorney. This is unacceptable.