Consumer complaint received 2017-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX I received an alert that my account was over-drafted by XXXX. I looked into my account to see what the problem was, and contacted the bank immediately. When I had opened this account back in XXXX, XXXX I initially set up the account to pay my monthly payment to a creditor or XXXX ; however, after talking to the court that I pay the money to, I was notified that they did not accept payments in this manner, I had to call them monthly to pay over the phone using a debit card. I immediately removed the automatic bill pay from my bank account since the court will not allow payments to come to them this way, and since that time I have paid the court directly {$100.00} using my debit card over the phone for the month of XXXX, and XXXX, XXXX. I also paid the court directly over the phone XXXX XXXX, and XXXX, XXXX. I have not had the automatic bill payment on my account since I personally removed it from my account, and nor has PNC bank ever paid any payments to the Court until just today, and in fact it does not even show on my account online that the bill pay is even set up, this was something PNC did on their own just today XXXX/XXXX/XXXX. I never authorized this transaction, as stated, it was personally removed by me back in XXXX right away after I was told by the court that I pay they will not accept any bill pay payments from my bank account. Now that I have already paid my monthly obligation of {$100.00} to the court ; which they confirmed they received already, and paid all of my other creditors, because PNC took it upon themselves without authorization to add the bill pay back on my account for XXXX, and pay out of my account XXXX that I did not even have available after paying my bills, and the court, I am being charged overdraft fees of {$36.00}, and in the negative XXXX, as well as incurring more overdraft fees when my payments that come through post. I have contacted every person within the PNC corporate that is possible today. I have contacted the bank personally, and I have been told that there is nothing that can be done as I have to sit in the negative, wait for the transaction to go from a pending withdraw to a posted transaction, then I have to dispute this, and dispute the over draft fees that occurred due to the financial institutions employees who without my consent, and without my acknowledgement went in and added the bill pay back to my account that I removed back in XXXX, and issued a XXXX payment to a court that does not even accept bill pay, and has already been paid by me. In XXXX I had opted out of over draft protection so that if ever the time comes when there are insufficient funds in my account, and a transaction tried to post the transaction would be declined saving me from getting hit with XXXX over draft fees. The bank went back in, without my consent or acknowledgement, and added over draft protection back on. I got hit with several XXXX over draft fees on my account, never got my text alert that I signed up for to show me when my account is charged, and did not even realize this was happening until I personally went to the bank to deposit my check, and was shocked to realize that I had XXXX dollars available to me from that check deposit, and a negative balance was showing. When I contacted the corporate about this I was told there was nothing that could be done, and despite I removed it, and even talked to a customer rep within corporate one week earlier who said she personally removed, it was added back on. I never received any text alert showing my account was over drafted until 1 week after me calling the bank concerning this activity that took place on my account. This is illegal, and I am another victim to their fraudulent practices ; they intentionally go in, and adjust their customers accounts without consent to make profit for the bank!

Company response to consumer: Closed with explanation