Consumer complaint received 2018-04-03 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: FL

Complaint narrative:
This complaint is in connection with an ongoing issue dealing with PNC Bank..The original complaint was filed in XX/XX/XXXX and is part of my CFPB profile and there was no resolution reached because the bank wanted to blame the merchant and the problem was not with the merchant, the problem was the banks fault. PNC Bank took it upon themselves to break the law and allow a debit card transaction to be made on an account that didnt have any overdraft protection meaning that there was not supposed to be a charge even made if it was insufficient funds in the account which was the case. But because I have two accounts with PNC and one of the accounts had funds in it, PNC took it upon themselves to allow the charge to come through and labeled it as a " recurring '' charge and mysteriously when I contact the bank about this problem in XX/XX/XXXX nobody at the bank could explain why the charge was allowed to come through and nobody knew who labeled it as a recurring charge. I got absolutely no clear answers and was only told that they would investigate. Any legal expert would see this as out right fraud and it is at my expense. Because since then the merchant that PNC Bank allowed the charge to come through for has not charged my account in any month since which proves that it was not a month-to-month charge and it was not recurring ... PNC Bank decided in their favor to allow the charge to come through and Justified it by labeling it as a month to month recurring charge which gives them the option of charging an overdraft fee, which is their obvious goal.. No bank has a right to break federal laws to justify overdraft charges and since all bank accounts that are opened in the United States have a default of opting out of overdraft protection, banks are using every underhanded tactic that they can find to justify overdraft charges, so it really doesn't matter if you opt in or out because the banks are going to do what they want to do in their favor 2 make money, and in my words rip off consumers. The " recurring '' charge was just a pathetic reason to charge my account for an overdraft fee and my mother 's account has been charged similarly and continuously overdrafted for anything that the bank deems necessary to charge an overdraft fee for. PNC Bank is Shameless and uncouth in its outright unethical practices of ripping consumers off.. Recently, PNC Bank concluded their investigation of the complaint that I originally filed in XX/XX/XXXX.. 
As of today XX/XX/XXXX, I was checking my bank account and not only did PNC remove the " provisional credit '' and charged me back for the original amount that was illegally allowed to be charged to my account but they also charged all of the overdraft fees back to my account.. I have advised the PNC representative that I talked to this afternoon that I will not be paying those fees ... The reason i was given for the denial in my complaint is PNC said that I did not complete the questionnaire for the charge that came through that was against the merchant. I advised them from day one that the merchant was not the issue, the issue was PNC allowing a charge to come through when it shouldn't have come through. It wasn't the first time that XXXX attempted to debit my account when it had insufficient funds and I always got a bill in the mail from XXXX because my debit card could not be charged and I paid the bill with another credit card.. But on this particular occasion, PNC decided they would allow to charge to come through and an overdraft fee was incurred because of that. It was obvious that someone had to manually allow this charge and label it as " recurring '' since the same thing had happened many times in the past with my XXXX account but the difference before was that the bank never honored the charge if the account had insufficient funds and this time they allowed it and labeled it as a recurring charge..And during my original complaint in XX/XX/XXXX, PNC Bank continued to allow a continuous overdraft fee to be charged to my account every single day. PNC Bank is just like most other banks, they are not concerned with consumers Financial well-being, they are concerned with making as much money as possible from consumers with these bogus fees which in my opinion is theft but they have it written up as a fee because this is how they make these billions of dollars that they are accustomed to bringing in every month. So I will be changing my Banks and I won't advise anyone to deal with PNC Bank because their practices are unethical, especially with the way they have treated my mom 's account and now mine..Just like XXXX XXXX XXXX illegally charged my mom overdraft fees and ultimately was forced to reverse every one of them after my mom complained thru CFPB, I believe PNC does the exact same thing ... I believe PNC and pretty much every other bank exploits and takes advantage of senior citizens because my mom is a senior and she has overdraft charges regularly from PNC Bank just as ahe did with XXXX XXXX XXXX   which was found to be fraudulent in theor overdraft charges against my mom. And with PNC its even worse because she's always charged a continuous overdraft fee starting with the first day that her account becomea negative. With most other checking accounts, it was 5 days later that the continuous overdraft fee starts.. But in my mom 's case continuous OD fee starts with day one ... What they are concerned with is making as much money off of these accounts as possible. And it's pathetic.more people needs to read this and other complaints about these Ungodly banks and their unethical practices of making money ... I think it's also worth mentioning that if I didnt live with my mother to help her with financial obligations, she'd be in a world of trouble due to PNC Bank continuing to overdraft her account which is also opted out of Overdraft protection ... .GO Figure ...

Company response to consumer: Closed with explanation