Consumer complaint received 2015-04-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (PA)

I am a Customer of PNC Bank Corporation of XXXX, PA conducting business at my local branch in XXXX XXXX, PA I received a " Text Alert '' on Sunday XXXX/XXXX/2015 at XXXX that my Balance in my Primary Checking Account went from {$520.00} to {$190.00} a reduction of & lt ; - {$320.00} & gt ; While the only " Authorized Transaction '' was a XXXX at {$3.00} Leaving an Unknown/Unapproved {$320.00} gap? I went into the Branch location on Monday XXXX/XXXX/2015 and presented this information to XXXX XXXX in Customer Service who promptly " Disputed the Payment '' asked for my Debit Card & destroyed it and returned my Account to it 's original Amount of {$520.00} I returned home and contacted and called my Utility Company XXXX for whom the money was " earmarked '' for & made a Payment of {$490.00} by " E Check '' and received a Confirmation number to avoid Suspension of Service or Deposit Requirements. Around XXXX Monday XXXX/XXXX/2015 I received another " Text Alert '' from PNC Bank advising that my Primary Checking Account had been restored to the original {$520.00}. At XXXX on Tuesday XXXX/XXXX/2015 I received another " Text Alert '' indicating my Primary Checking Account was " Overdrawn '' then at XXXX on XXXX/XXXX/2015 I received another " Text Alert '' informing me that the {$490.00} " E Check '' XXXX was deducted from my Primary Checking ( An hour and a half after I received the " Over Draft Notice '' At XXXX XXXX/XXXX/2015 I received a " Text Message '' from PNC Bank " Escalation Dept '' XXXX XXXX in reference XXXX XXXX regarding my dispute. At XXXX that same morning I called the number back only to learn XXXX was not in until XXXX So I called back and spoke with XXXX XXXX and explained that an " Unauthorized Transaction '' had occurred on my Primary Checking Account in the amount of {$320.00} drawn by " XXXX '' I further explained that I had no Pre-Authorized/Auto Pay Accounts attached to my Primary Checking Account including My Auto Loan, IRS XXXX XXXX XXXX nor any of my Utilities. No one was supposed to have " Untethered Access '' to my funds. The conversation was going no where so I returned to the bank and met with XXXX XXXX and her Supervisor XXXX XXXX XXXX Branch Manager ). I again advised them both that an " Unauthorized Transaction in the amount of {$320.00} '' had occurred on my Primary Checking Account. 
On XXXX/XXXX/2015 I drafted and delivered to the Branch Location to XXXX XXXX and XXXX XXXX ( Branch Manager ) a letter demanding funds be restored to my Account as the transaction was " Unauthorized '' A copy was sent to XXXX XXXX General Counsel for PNC Bank XXXX. 
As a bank customer I had to research FDIC Regulations ELECTRONIC FUND TRANSFER ACT : '' which provides Consumer Protection for ALL Transactions using a debit card or electronic means to debit or Credit an Account. It also limits consumer 's liability for unauthorized electronic fund transfers. 
XXXX " XXXX XXXX XXXX XXXX XXXX '' Sec. XXXX Negative Option Marketing on the Internet " It shall be unlawful for any person to attempt to charge any consumer for any goods or services sold in a transaction effected on the Internet through a negative option feature ( As defined in the Federal trade Commission 's Telemarketing Sales Rule in part XXXX of title XXXX, Code of Federal regulations ), unless the person ( 2 ) obtains a consumers express informed consent before charging the consumers credit card, debit card, bank account or other financial account for products or services through such a transaction