Consumer complaint received 2026-05-30 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: TX

Complaint narrative:
PNC Bank has charged me {$36.00} for XXXX insufficient funds they claim I had. The first month that I know of was {$150.00} transfer I made from PNC to XXXX. I made this transaction on XXXX XX/XX/year>, but the money did not go into my XXXX account until XX/XX/year>. And this was kind of questionable to me because in the past every time I made a transfer from bank to XXXX it always went in that same day or instantly. So for the past couple of months, I noticed that every time I made a transfer from my bank to my XXXX account. It was taken XXXX or XXXX days to be credited to my XXXX account. I forgot about that and XX/XX/XXXX I was sending my little sister the money for her birthday. And then after I did it, I realized it was not gon na be in my XXXX account right away. So I had to send her the money a different way. Anyway, I started getting emails from PNC that my account was low on cash or balance on my account was low. Then when I checked my account again, I was overdrawn {$280.00} which over {$100.00} with only overdraft fees. Well, by the time they put that {$150.00} in my XXXX account, my balance was low so it became an overdraft charge and then they paid a life insurance policy that I had for {$62.00}. I believe it was and I had canceled it and XXXX not sure what the other charge was but there was XXXX different charges that were apparently overdraft. So anyways, I called him and spoke with XXXX of the managers at the PNC Bank and she told me that the system would not let her refund those {$36.00} charges so I was gon na have to pay them. Well, I had bought a plane ticket to go visit my sister in Washington which I paid {$310.00} for total and then about a week after I got or Weather I bought the ticket I received received emails from XXXX that the trip had been canceled so I had a choice of getting a full refund or scheduling the trip for another day. So I chose the refund well they refunded {$280.00} total at first and so by the time I went to check my account I was already already been charged the {$280.00} for overdraft fees. I believe it was XXXX. So PNC kept all that money that I got back from XXXX for my ticket money that they refunded me. And thats when I called the bank to find out why they kept all that money and why I was overdrawn when I never signed up for overdraft privileges, and this was not the first time that they had done this to me because ever since I opened that checking account, I believe it was last year each month they have taken anywhere from $ XXXX {$150.00} for overdraft charges and every time they did, I would call the bank and I would tell them that I never signed up for overdraft privilege so how could they be paying something for me if I never wanted it done that way. But every time I used my card, I always call the bank to find out what my balance was and I knew if I had the money in there to use my card for any purchases if I didnt have the money in there, I didnt use it because I knew I had never signed up for overdraft privilege. And every time that happened I told him I didnt want overdraft privilege to take me off well apparently they never did. So when I told them about or rather asked about that {$150.00} why they waited XXXX or XXXX days to put it into my XXXX account and they said that it was apparently XXXX XXXX or their way of putting money in my account from another bank so I called XXXX to find out when they started that or why they started that because in the past, I never had to wait for any money that was transferred from my bank account into my XXXX account and they said that it was the Bank that was doing the started doing the transfer electronic transfer funds that was why it was taking XXXX or XXXX days to hit my XXXX account, but they explained to me and over and over again that that was not theyre doing, but yet the Bank XXXX me that it was XXXX or rather the XXXX with the XXXX at fault for not putting the money directly into my account on the date of the transfer. Because they said their system would not let them reverse the {$36.00} charges I had to pay XXXX yesterday, which was XX/XX/XXXX. I think it was. I checked my account and well because I was getting more email about my account balance being so low and I couldnt understand why because they kept all that money that I got back from XXXX for the ticket that I had purchased, so I checked my account today XX/XX/XXXX and I saw another refund from XXXX for {$33.00} and when I called to see about it the bank hoping that my account is still negative even after they kept all that other money {$280.00} which with the {$33.00} brought it up to XXXX I think is what I paid XXXX be my totals or not precise but thats what I paid for the airline ticket and thats what they refunded all separately because of the way it was built anyway so thats where XXXX at now they said since I was still XXXX dollars and something change overdrawn still they were gon na keep that {$33.00} too and I would probably still be overdrawn even after that. I am XXXX XXXX XXXX living on my XXXX check because I have XXXX XXXX and instead of helping me or at least keeping track of my money correctly, theyre taking money out of my account just whenever they feel like it seems like. And theyre always right they do no wrong. So I am also going to report them to the Better Business Bureau because they shouldnt be able to get away with this taking peoples money like that. So anyway, thank you for listening. Thank you for your help.

Company response to consumer: Closed with explanation