Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
There was a class action lawsuit against PNC in XXXX, that I believe is a current thing they stilll participate in doing, verbatim In re : Checking Account Overdraft Litigation, which [ Im ] accuses the ( PNC ) banks of reordering debit card and ATM transactions from highest to lowest, rather than in the order the transactions occurred, in order maximize the number of overdraft fees they could charge a customer. Albeit I always try to get my account back to XXXX $ but Im not understand why twice this week my account goes into the negative when its a DEBIT-Checking account, I have no way to pay for things if I do not have XXXX money, so essentially I have to have the money in my account in order to use my debit card. Im aware ACH payments will still go through but everyday transactions will not. Therefore I do not understand why if I bought something for a XXXX $ today, I will put the XXXX $ in my account, purchase the XXXX $ item and wake up tomorrow to be XXXX XXXX Also by putting in the exact amount I need per transaction is intentional on my behalf to monitor PNCs transaction processing behavior and something obviously isnt right. In a sense I feel they are trying to make me pay for certain transactions twice. Their customer service claims its how merchants process transactions that backs me up, but the can not explain how a debit card goes into the negative when you can only use it according to the amount that is in the account. If everything I paid for came out of my account upon payment, since I cant use the debit card if I dont have money, I dont see why the next day all of sudden im in the negative like today XXXX $ when every transaction Ive done I literally transferred the exact amount from a different bank. I did this, this week to see if im mistaken or if PNC has discrepancies within their procedures. And im sorry but the XXXX  class action proves it for me. although they paid the fine the practice still continues and now they are trying to blame me for bad balancing which is not the case since whatever I put it= exactly what I spend. or they put blame on the merchant instead of taking accountability for their thieving tactics. They want accounts to be in the negative so they can charge you XXXX $ for not having money. and by that logic, that should show us flawed their logic is. Dont have money? Too bad were going to charge you more money! Its already very expensive to be poor and PNC does not care. Attached below is my statement Keep in mind XXXX XXXX was purchased on the Friday XXXX and today is the XXXX and somehow that made my account negative on monday??? Dont make sense but it does as you will see a transaction that occurred on the XXXX some how shows up on on my statement for the XXXX goes to show its PNC playing with processing times because once again YOU CAN NOT USE/Make purchases with the PNC debit card unless you have the funds.. I believe they are trying to get me to pay twice for certain transactions for no good reason, all behind the excuse merchant processing but I paid for the food already? Friday I put XXXX $ in my account, I spend XXXX XXXX XXXX $ get deducted from my account, why is it on Monday im randomly negative XXXX $? Something isnt right and PNC isnt being genuine in their practices, they are continuing to do the same stuff they got called out for in a lawsuit in XXXX.

Company response to consumer: Closed with explanation