Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
At the end of XXXX, I had a very serious issue with XXXX XXXX and some fraudulent activity. I have also submitted a complaint on their company and I am diligently keeping up with it. I reached out to my bank and help and I have been with this Bank over eight years and have had my business bank account with this bank. I am diligent. I always display proper behavior and I never let my account sit negative ever if I do go negative I make sure that payment is done by XXXX XXXX  that day and I very rarely get posted and nSF or overdraft fees. 
Well, on XX/XX/XXXX XXXX transactions came out of my bank account that made me negative to the tune of about {$600.00}. I was completely prepared to put the money in as I knew these transactions were posting. I had put the money in by XXXX XXXX  like I always do and I have the proof of that however, my bank still decided to give me XXXX {$35.00} fees for paying these transactions and said that my deposit did not clear till after XXXX XXXX  when I have a screenshot that my deposit was put in before XXXX XXXX. When I did not get help with those XXXX fees, I remain the negative status and said that I was not paying those fees because it wasnt right, and I followed the bank rules. I always implement the rules and follow the rules because they keep, their word when I follow the rules and if I make a deposit by XXXX XXXX, I indeed do not get any fees. At this particular bank, First Commonwealth Bank the transaction before the fee is even implemented. 
Well, after XX/XX/XXXX, it started a spiral downhill and I have currently been charged XXXX {$35.00} fees and XXXX dollar daily over the limit fees. I called the bank. Ive asked to speak to the supervisor and my branch manager and I have gotten no help I have no problem Putting in the money to cover the items that have posted or that have been paid. However, your company right now this company has me withdrawn to the tune of {$1400.00} because of negative fees and it is now going on the third week. It is completely unacceptable, I have printed everything and I am keeping track of all of the fees. 
Today it is Wednesday XX/XX/year> and since XXXX XXXX  XXXX  First Commonwealth Bank is charged me XXXX {$35.00} fees. When they post they are paid item fees and then once they of course send the item back to the company. It becomes a returned item fee. I have all of the screenshots. I also have been charged a total of. {$8.00}. XXXX times! 
That is {$720.00} XXXX fees and XXXX weeks from First Commonwealth Bank while I am going through a fraud investigation and they know it and they are telling me that they are not giving me back one of the fees to help me. After I straighten this bank account out because I will never ever let an account go or not pay my bills, but once I get through this and straighten the south, I am ending all relationship with First Commonwealth Bank, I had to pull teeth just to get my temporary credit from a thief company that I promised him I would never deal with again and then a week later they do this to me not only do I have to pay and make my bank account positive, but every single time they returned one of these pay payments I have course have to speak with the company and make that right as well. I know that this is my fault and I know That I am an adult and I do know how to Bank, however accompany should not take such advantage of their consumer or customer they are charged almost {$800.00} in fees in the bank continues to charge them daily XXXX dollar overdraft fee. 

I am going through a hardship right now and not only was my First Commonwealth Bank account which is my business account affected, but also I had other accounts and credit cards affected from this negative situation. I just do not believe that my bank will not look out for me or help me as their client after being with them so long And displaying such positive relationship history with them Im going to continue to complain. Im going to continue to write letters that help me and continue to reach out to the company and asked to speak to a supervisor immediately. This is so not OK. I am asking my bank for help and they see that they have charged a person during such hard times over {$700.00} in fees and are continuing to tell me no and continuing to charge me. 

All of my transactions in this said and mentioned account have been good and reputable so far. I know at First Commonwealth Bank of Pennsylvania, I am eligible for avail meant of clean overdraft under the scheme of your Bank.

Company response to consumer: Closed with explanation