Consumer complaint received 2016-12-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (OH)

I opened an account at PNC bank on XX/XX/2016 ; and had opted out for payment to be made if funds were not available. I also was told that after 30 days of having an account open with PNC there would be no holds on my checks which are paid through the Bureau of Workers Comp when they get deposited. Since the onset of my account being opened I have encountered nothing but problems. I signed up for the virtual wallet which the personal banker alleged provides effective management of my account, and I also signed up for text alerts to notify me in the event any overdraft occurred although this should not take place as I opted out for this service. Despite being opted out the bank continues to pay on items, fails to notify me via text alert that my account is overdrawn, and will not allow over XXXX of my check to be made available for over three business days ; this does not include weekends. Despite my entire check being in there with a hold on it although it has been over the 30 days, the bank has continued to pay items, and then hit me with NSF fees of {$36.00} per transaction they paid. On XX/XX/2016 I contacted the PNC corporate office, and I demanded this account to be opted out by the banker personally, and demanded the NSF fee I was charged to be reversed. I explained to the rep that the banker indicated she had the account opted out when it was set up, The rep did reverse the charge, and also assured me that she personally opted me out, and that absolutely no more transactions would be paid if there were not funds in the account to cover them. The customer service rep also verified that I was signed up for text alerts on my account. When I had ask about my check deposit only having XXXX available I was informed that I had not been a customer for 30 days. I told the rep that XX/XX/2016 to XX/XX/2016 is 30 days, and it was already XX/XX/2016 that my account was opened for 45 days now. The rep stated that the 30 days starts one month after the month I opened the account. I was not told this by the banker at all, she specifically stated that it was 30 days after my account was opened, not an additional month. Today is XX/XX/2016, and I went to the bank to deposit my check at which time I learned I had a negative balance of XXXX. I am furious! I was never notified via text, nor email that my account was overdrawn, and my account should NEVER HAVE BEEN overdrawn, the personal banker at PNC corporate OPTED ME OUT XX/XX/2016 when I called. I called the corporate office right away, and I was told they are showing I just opted out today, and that is a lie! The phone conversation on XX/XX/2016 was recorded, and I demand it be pulled. I was told by the corporate office I am OPTED OUT, I will NOT have any funds paid unless they are available. I did not OPT OUT TODAY XX/XX/2016, I was under the impression with assurance from PNC CORP that I had been opted out right away on the call I made XX/XX/2016. I tried to straighten this out over the phone, I was told by the corporate today XX/XX/2016 they see where I called in on XX/XX/2016, and was opted out yet it did not opt me out until today ; and thus, I have all these XXXX overdraft fees on my account that I never knew until today took place because PNC does not honor the text alerts as they indicate. The rep said that the individual I need to speak to is not in until XXXX XX/XX/2016, and in the meantime I have NO money to provide XXXX for my kids. This is 100 % the fault of the corporate office personnel, not mine, and now I have to pay for their mistakes. The account never sent me any alert until today XX/XX/2016 after I called them, and they lied and stated I just opted out today, I was opted out by the corporate banker XX/XX/2016 when I called, due to my phone call to them today they try to opt me out today, and just now sent an alert XXXX.