Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
Complaint Against PNC Bank Misleading Balance Information, Improper Overdraft Transfers, and Potential Legal Violations I am filing this complaint against PNC Bank regarding a serious incident involving misleading account information, unauthorized overdraft transfers, and potential violations of federal and state law. 

On XX/XX/scrub> 2025, before visiting the ATM, I logged into my PNC Mobile App and saw that my account balance was {$600.00}. 

That same day, I withdrew {$500.00} from my PNC account at an ATM. My official ATM receipt, printed by PNCs system at the time of the transaction, showed that after the withdrawal my balance was {$100.00}. 

The very next day, PNC claimed that at the time of the withdrawal my account had actually been {$560.00} and that after the withdrawal it became {$1000.00}. Based on this retroactive claim, PNC turned my account negative after the fact, which then triggered overdraft protection and led PNC to remove a total of {$1200.00} from my other PNC account to cover the alleged negative balance. 

On the same day, I also sent two XXXX transfers from this account. My mobile app screenshots clearly show these XXXX transactions were processed successfully, even though PNC now claims my account was negative at the time. If my account was truly negative as PNC claims, these XXXX payments should not have been processed. 

I manage OVER XXXX  a XXXX dollars across all my accounts, two-thirds of which is with PNC Bank . I monitor this account multiple times a day and have never experienced this issue at any other bank. This is the first and only time anything like this has ever happened across all of my accounts. I believe PNC is gaslighting me by trying to rewrite my account history after the fact to justify removing {$1200.00} from my other account. 

Communication Chain with PNC Executive Client Relations On XX/XX/year>2025, XXXX XXXX from PNC Executive Client Relations called and told me she would investigate my case and follow up with me the following Friday. 

That Friday call never happened. I emailed her to follow up on the missed call.

She then replied that she would call me on Tuesday, XX/XX/XXXX, giving herself only one business day ( Monday ) to review the case before calling me back. 

On XX/XX/XXXX, during our call, she stated that PNC had done no wrongdoing and claimed the balance shown on my official ATM receipt was false. 

I have recordings of PNC employees confirming : Pending transactions reduce available balances immediately at the time of purchase, ATM receipts reflect real-time balances, Overdraft protection only triggers when an account is actually negative. 

PNCs claim that my receipt was false directly contradicts its own employees statements and my account records. 

This explanation makes no sense. Either : The ATM receipt, mobile banking balance, and XXXX transfers were accurate and PNC improperly removed {$1200.00} from my other account, or The ATM receipt, mobile banking balance, and XXXX transfers were false and PNC knowingly provided false or misleading balance information to its customers. 

Either scenario may constitute violations of the following laws and regulations : Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. ( Regulation E ) : Requires accurate balance information, prohibits unauthorized transfers, and mandates prompt error resolution.

Truth in Savings Act ( TISA ), 12 U.S.C. 4301 et seq. : Requires accurate disclosures of account balances and terms to consumers.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 : Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in consumer financial services.

Texas Deceptive Trade Practices Act ( DTPA ), Tex. Bus. & Com. Code 17.41 et seq. : Prohibits false, misleading, or deceptive business practices ; allows for treble damages if conduct is knowing or intentional.

Breach of Contract / Unjust Enrichment ( Texas Common Law ) : If PNC failed to follow its own deposit agreement or overdraft policies, its actions may constitute breach of contract or unjust enrichment by taking funds without legal basis.

Company response to consumer: Closed with explanation