Consumer complaint received 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Friday, XX/XX/XXXX Dear Consumer Financial Protection Bureau : I am filing my complaint against PNC for mishandling my dispute. On XX/XX/XXXX I mentioned that there was an authorized {$120.00} XX/XX/XXXX transaction. I called PNC customer service. It said that I should wait for the paper dispute form then submit the documentation. Unbeknownst to me, PNC decided my dispute without the paperwork that I requested. I did not know at the time. On Saturday,XX/XX/XXXX, I went to the PNC bank branch and had my paperwork faxed.
On Friday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX that PNC denied my appeal. I called the PNC customer service. I learned that PNC misfiled my dispute ruling on it without my paperwork. On Thursday, XX/XX/XXXX PNC hit me with a {$36.00} overdraft fee.
Today, Friday, XX/XX/XXXX, my current  checking balance is negative {$61.00}. I have contacted PNC via XXXX. In the direct message, all ^XXXX says that this is going to the escalation team. This person has never addressed or waived my {$36.00} overdraft fee. If I have to wait 1-2 business days ( Monday, XX/XX/XXXX the latest, I will have incurred {$140.00} in overdraft fees [ {$36.00} overdraft daily penalty times 4 days ] ). I have included this correspondence as my evidence.
I am filing my complaint because PNC is withholding my money for another 10 business days. I need that money to pay my rent and for groceries. Now because of PNCs mistake, I have to wait up to another 10 business days. I need my money and feel that if any of my transaction bounce, PNC will hit me with a bounced check overdraft which it already has starting Thursday, XX/XX/XXXX. I have done nothing wrong but I feel that I will be penalized.
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Enclosed are my documents. I have included screen shots because I am too poor from overdraft fees to go to XXXX and scan them into PDFs. I must note this because PNC wants me to refile my dispute but it tangling up my money and, hence, my ability to adequately respond.
Below is my Friday, XX/XX/XXXX PNC Direct XXXX Correspondence Dear XXXX : My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. My phone is XXXX. PNC messed up my first dispute claim, did not return my {$120.00} that was taken out of my account, and am now hitting me with {$36.00} overdraft charges. I will file a Consumer Financial Protection Bureau complaint. I will be seeking the removal of the {$61.00} in overdraft fees, the restoration of the {$61.00} that PNC is assessing me in penalties and the return of my {$120.00} because of PNCs dispute error. I contacted PNC XXXX on XX/XX/XXXX regarding {$120.00} that was taken out of my account. I emailed the message center and called the 800-number. The lady told me to wait until I received the formal dispute form to respond. Well, PNC did rule on my dispute without any evidence. I have the letter dated XX/XX/XXXX proving this. I didnt know about the decision so I went to a local branch to submit my dispute form with documentation XX/XX/XXXX. I only learned about my May 23rd letter one week later on Friday, XX/XX/XXXX. I called PNC again and the man said that the bank mishandled my dispute. He sent me out a second form. In the meantime, PNC did not return my money and is currently hitting me with {$36.00} overdraft fees. If that {$120.00} was in the checking account, it would not have been overdraft. This is PNCs fault.
Delete this message 34m32 minutes agoSent Thank you XXXX. I was most happy to pass your concerns along to our Escalations department. They will be calling to further assist within 1-2 business days. Thank you. ^XXXX 24m23 minutes ago What about the daily overdraft fees that I am incurring due to PNC 's error? The bank is penalizing me for a mistake that I have not made.
24m22 minutes agoSent I understand the concern with any possible service charge, and our Escalations team will be able to review them with you as well. ^XXXX  21m19 minutes ago So what you are saying is that I have to wait 1-2 business days, incur those {$36.00} overdraft fees in the meantime? I am filing my CFPB complaint because this is ridiculous. By 2 business days, I would have been up {$140.00} ( 4 calendar days at {$36.00} apiece. ). Something needs to be done now. These fees need to be waived now.
17m16 minutes -- -- -- -- -- This is the end of the PNC Direct Message. ^XXXX never responded to my accruing daily overdraft fees. -- -- -- -- - Sincerely, XXXX XXXX Enclosures

Company response to consumer: Closed with explanation