Consumer complaint received 2026-01-22 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:
On Friday the XXXX, my checking account showed a negative balance of approximately - {$60.00} due to an automatic debit. 

That same night, I attempted to send funds to cover the negative balance before the banks XXXX p.m. cutoff time, which the bank itself defines as the end of the banking day for avoiding overdraft fees. 

It is important to clarify that I have always used XXXX on this same account without any issues, and the service had already been set up and functioning properly. 
However, on this occasion, the banks system did not allow me to configure or use XXXX, even though it requested personal information. The system would not allow the setup to be completed, preventing the transfer from being sent. 
This was a bank system failure, not customer negligence, as XXXX had always worked correctly on this account. 

I attempted to contact the bank that same night, but customer service was not available. I have chat evidence confirming that no agents were available and that I was advised to contact the bank the following day. 

On Saturday, I called the bank to request removal of the overdraft fee. During that call, the representative stated that the issue might be due to my XXXX operating system version being XXXX, and claimed that it needed to be version XXXX for the system to work. 
I informed the representative that such a version does not exist, which demonstrates incorrect information provided by bank staff and a lack of a valid solution to the technical issue. 

Despite explaining that : XXXX had always worked on my account, the bank requires funds to be sent before XXXX p.m., and the banks own system prevented compliance with that policy, the bank refused to remove the fee, stating that there were other ways to send the money. 
Those alternatives were not viable at that time, because : services such as XXXX XXXX do not post funds immediately, and depositing cash at an ATM was not possible due to the late hour, making it impossible to meet the banks deadline. 

I subsequently filed a formal complaint. On Monday, I was contacted by a bank representative who again refused to remove the fee, stating that I had received fee reversals in the past. This justification is unrelated to this specific incident, as each event should be evaluated independently. 

On Tuesday, XX/XX/XXXX, another automatic debit posted, causing the account to become overdrawn again. 
That same day, I deposited approximately {$140.00} at an ATM to cover the balance. 

However, the following morning, the bank charged an additional overdraft fee because : The overdraft fee was applied first, The deposit was applied afterward, The remaining balance was used to partially cover the debit, The system left the account negative again, and Another overdraft fee was generated. 

This process reflects a harmful posting order and fee stacking practice, which artificially created an overdraft, despite the fact that I did make a deposit. 

I acknowledge that there was a negative balance on the account. However, I actively took steps to cover that balance and attempted to resolve it within the banks required timeframe. In addition, as of XX/XX/XXXX, a payment was deposited into the account, and the bank applied that payment by first deducting the XXXX overdraft fees, further confirming that the fees were collected from subsequent incoming funds. 

I am attaching supporting evidence in chronological order to clearly demonstrate the issue. This includes screenshots labeled from XXXX through XXXX showing the XXXX configuration failure within the banks mobile application, where the system did not allow completion of the setup. I am also attaching the chat from Friday the XXXX, which confirms that I attempted to contact the bank that same night and demonstrates my intent to cover the overdraft. 

Additionally, I am attaching screenshots of the account transactions showing the deposits I made on Saturday, XX/XX/XXXX for {$61.00}, which was deposited at a Wawa ATM, and on XX/XX/XXXX for {$140.00}. However, the bank reflects the deposit made on XX/XX/XXXX as if it had been made on XX/XX/XXXX, which is inaccurate and misrepresents the actual date the deposit was made.

Company response to consumer: Closed with explanation