Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I am submitting this complaint regarding PNC Banks failure to properly process a stop payment on my business checking account, which resulted in an unauthorized debit, a severe overdraft, cascading financial harm, and disruption to my business operations. 

On Thursday, XX/XX/XXXX, I contacted PNC Business Banking customer service to place a stop payment on an electronic debit scheduled to be withdrawn from my business checking account on Sunday, XX/XX/XXXX, in the amount of {$4600.00}. 

During that call, I was explicitly told by the PNC representative that : The stop payment would take XXXX hours to take effect. 
There was more than sufficient time before the XX/XX/XXXX debit for the stop payment to be successfully processed. 
If, for any reason, the payment was still deducted, I should contact PNC and they would correct it. 

PNC charged me a {$33.00} stop payment fee, which confirms that the stop payment request was accepted and processed by the bank. 

Despite this, on Monday, XX/XX/XXXX, I discovered that the {$4600.00} debit had gone through anyway, causing my business checking account to go into a severe overdraft. 

I immediately contacted PNC on XX/XX/XXXX. During that call, I was told : The debit should not have occurred. 
PNC would reverse the transaction and return the funds to my account by XXXX p.m. that day. 
I would not be penalized for any additional transactions or overdrafts caused by this error. 

After being placed on hold multiple times, I was later told that if the funds were not returned by XXXXXXXX XXXX XXXX XX/XX/XXXX, they would be returned on Tuesday, XX/XX/XXXX. 
Based on these representations, I reasonably relied on PNCs assurances. 

As of Tuesday morning, XX/XX/XXXX, the funds have not been returned. My account remains overdrawn. 

A large deposit that posted to my account on XX/XX/XXXX was automatically applied to offset the unauthorized overdraft instead of being available for normal business operations. 

Because of PNCs failure : I can not access or use my business funds. 
Legitimate scheduled payments are at risk of failing. 
I am exposed to additional overdraft fees, returned payment fees, and vendor penalties. 

My ability to operate my business has been materially disrupted at the start of the month. 
This harm is directly caused by PNCs failure to implement a stop payment that was requested well in advance, confirmed by their own representatives, and charged for. 

I am requesting that PNC immediately : Return the {$4600.00} to my business checking account. 
Refund the {$33.00} stop payment fee. 
Reverse all overdraft fees, insufficient funds fees, or related charges caused by this error. 
Ensure that no additional penalties or negative reporting occur as a result of this incident. 
Restore my account to good standing without delay, as this is an urgent business matter. 

PNCs failure to follow its own procedures, combined with repeated inaccurate assurances, has caused significant financial and operational harm. This situation requires immediate correction.

Company response to consumer: Closed with monetary relief