Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am writing in response to PNC Banks letter regarding my complaint. Your response does not address the core issues I raised and instead relies on internal calculations that contradict the balances that were actually displayed to me. My complaint is specifically about the balance shown in my account on XX/XX/year>. On that date, after receiving a {$600.00} XXXX deposit and sending {$190.00}, my account displayed a balance of {$570.00}. I have a timestamped screenshot confirming this. In your response, you claim that my starting balance on XX/XX/year> was {$380.00} and base your explanation on that figure. However, this does not explain how my account displayed a balance of {$570.00} on that same day. If your stated starting balance were accurate, it would not be possible for my account to reflect the balance shown in my screenshot. Instead of addressing this discrepancy, your response shifts focus to XX/XX/year>. My complaint is not about XX/XX/XXXX. It is about the accuracy of the balance displayed to me on XX/XX/XXXX. Referencing transactions from the following day does not resolve or explain the issue I raised. There is also an ongoing issue with the way my balances are presented. My transaction history consistently shows a higher balance than what I actually have available, even in situations where transactions later post and cause my account to become negative. This creates a misleading representation of my actual funds. You state that transaction history may not always reflect real time activity. However, this directly contradicts both my experience and your own published information. According to PNC Banks website, available balances and email alerts reflect real time activity. In my case, my available balance and email alerts have consistently matched each other, while my transaction history reflects higher amounts that do not align with my actual spending power. This is why I am confused as to why your response continues to rely on transaction history as the accurate source of information, when your own disclosures indicate that it is not always real time. If the balance I am shown in real time is not accurate, that is a serious issue that has not been addressed. Your letter also states that I opted into overdraft coverage on XX/XX/year>. I dispute this and request verifiable documentation showing when and how this authorization was obtained. I immediately opted out of overdraft coverage on XX/XX/year> because I realized I had enabled it by mistake, and I have the email confirmation to prove this. Therefore, your claim that I had overdraft coverage is still invalid. If I did not validly opt in, transactions that resulted in a negative balance should not have been approved. At this time, your response fails to explain how my account displayed a balance of {$570.00} on XX/XX/year>, why your stated starting balance does not align with the balance shown to me, why my complaint about XX/XX/XXXX was addressed using XX/XX/XXXX activity, and why my transaction history consistently reflects higher balances than my actual available funds. I am requesting a detailed, timestamped transaction ledger for XX/XX/year>, including all pending and posted transactions, as well as documentation supporting your claim regarding overdraft opt in and the discrepancies between transaction history and available balance. I requested for a complete ledger not the inaccurate information you provided. Not providing a complete ledger leads me to believe that you know Im right but youre doing everything in your power to prevent me from getting whats owed to me. Until these issues are fully addressed with clear documentation, I do not consider this matter resolved.

Company response to consumer: Closed with explanation