Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
Consumer Name : [ Your Name ] Bank : PNC Bank XXXX : XXXX, XXXX  Issue Type : Improper Overdraft Fees/ Delayed Posting / Misapplied Transfers/ Refusal to Escalate/ Misrepresentation of Account Capabilities -- - SUMMARY OF THE ISSUE The consumer is disputing a {$540.00} overdraft balance that PNC claims resulted from transfers between PNC and Cash App. The consumer asserts that this overdraft could not have occurred, because : XXXX. The account has no overdraft program enabled, XXXX. PNC does not permit overdrafts on this account under any circumstance, XXXX. PNC and XXXX XXXX both block transactions that exceed the available balance, and XXXX. The transactions PNC claims caused the overdraft happened on different dates, and none exceeded the consumers actual available funds. 



The consumers supporting evidence demonstrates that the overdraft balance resulted from PNCs delayed posting, system error, or miscalculated reversal, not from the consumers activity. 

PNC refused escalation, refused to investigate, and provided explanations that contradict their own system behavior. 


-- - FACTUAL TIMELINE ( CLEAR & VERIFIED ) XXXX. Account Funding The consumers direct deposit of approximately {$900.00} posted. 

Prior to this, the consumers balance was {$0.00}. 

The consumer paid several bills ( car note, XXXX XXXX, XXXX, etc. ). 

After these payments, the consumer had approximately {$300.00} remaining. 


XXXX. Additional {$460.00} Transfer A separate {$460.00} credit posted to the account. 

The consumer is not disputing this credit. 

PNC never reversed or removed this credit. 


At this point, the true balance was approximately {$770.00}. 

XXXX. Transfer to XXXX XXXX The consumer transferred the entire {$770.00} from PNC to XXXX XXXX. 

This left the PNC account at {$0.00}. 

No overdraft occurred ; no negative balance appeared. 


XXXX. Days Later Separate, Unrelated Event The consumer transferred {$480.00} from XXXX XXXX PNC to withdraw it fee-free from a PNC ATM. 

The ATM failed to dispense cash ( likely empty ). 

The consumer immediately sent the same funds back to XXXX XXXX. 


At no point did the PNC account show a negative balance during these events. 


-- - THE OVERDRAFT DID NOT APPEAR UNTIL LATER PROVING DELAYED POSTING PNC later claimed the consumer caused a {$540.00} overdraft due to Cash App transfers. 
However : The XXXX transfers ( XXXX and XXXX ) occurred on different dates. 

Neither transaction exceeded the available balance at the moment it was made. 

The consumer has screenshots showing the balance was never negative at the time of any transaction. 


This is the definition of a Delayed Posting Overdraft Error, not customer-caused overdraft. 


-- - EVIDENCE THAT PNCS EXPLANATION IS FALSE XXXX. Cash App Add-Funds Attempt ( Screenshot Evidence ) When the consumer attempted to add their full direct deposit ( {$1300.00} ) to Cash App, Cash App displayed : > Your bank will not allow you to add this amount. 



It only allowed the consumer to add {$810.00}, which was the actual available balance after PNC seized the alleged overdraft. 

This proves : PNC blocks any transaction that exceeds the available balance. 

XXXX XXXX can not pull more than what PNC approves. 

Therefore, XXXX XXXX can not cause an overdraft on this account. 


XXXX. ATM Insufficient Funds Video ( Critical Evidence ) After sending {$810.00} to Cash App, the consumer attempted to withdraw {$200.00} from PNC. 
The ATM displayed : > Insufficient Funds. 



This proves : PNC does not allow overdrafts. 

PNC does not allow withdrawals larger than the available balance. 

Pending funds can not be accessed. 

The banks claim that the account can be overdrafted is false. 


XXXX. PNCs Own App Behavior Throughout all transactions, the app only allowed funds that were actually available to be sent out. 
The consumer was never permitted to exceed the real balance. 


-- - PNCS REFUSAL TO ESCALATE & MISREPRESENTATION When the consumer called for clarification : The representative insisted no further escalation was possible ( which is false ; PNC has multiple higher departments ). 

The representative repeatedly blamed XXXX XXXX despite technical evidence proving XXXX XXXX can not overdraft the account. 

The representative asked unnecessary questions about fraudulent transactions seemingly to pivot away from the actual issue of bank error. 

The consumer was told misleading statements about how transfers work, contradicting the banks own system limitations. 



-- - REGULATORY VIOLATIONS INVOLVED This situation appears to involve : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Due to misleading explanations and refusal to investigate.

Improper Overdraft Assessment Because the account was not negative when the transactions occurred. 

Delayed Posting Error / System Timing Error Failure to Escalate a Dispute Potential Regulation E Violations If any ACH/posting errors contributed to the negative balance. 


-- - WHAT THE CONSUMER IS REQUESTING XXXX. A full investigation into the {$540.00} overdraft. 


XXXX. A written explanation of why the overdraft appeared days after the transactions. 


XXXX. Correction of the account to remove the improper overdraft. 


XXXX. Refund of any seized funds related to this overdraft ( PNC already captured {$540.00} from the consumers paycheck ). 


XXXX. Confirmation that the consumer is not responsible for the overdraft or any resulting fees. 


XXXX Review of the representatives refusal to escalate and misstatements about account capabilities. 




-- - CONCLUSION The consumers evidence conclusively shows that : They were prevented from overdrafting. 

Neither XXXX XXXX nor the ATM could access more than the available balance. 

The claimed overdraft is mathematically and technically impossible. 

Therefore, the {$540.00} balance must be the result of PNCs delayed posting or system error, not consumer behavior. 


The consumer is requesting regulatory review and correction.

Company response to consumer: Closed with monetary relief