Checking or savings account -- Problem caused by your funds being low -- Complaint #18234079
Complaint Overview
Complaint ID: 18234079
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Bounced checks or returned payments
State: Michigan
ZIP Code: 480XX
Date Received: 2025-12-22T12:00:00-05:00
Date Sent to Company: 2025-12-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year> my checking account at PNC was closed due to an overdraft balance of approximately {$200.00}. On XX/XX/XXXX, my employer sent my paycheck to the closed account at PNC for an amount of approximately {$4300.00}. I spoke with customer support on XX/XX/XXXX and they informed me that PNC was going to deduct the overdraft balance from the paycheck received and mail me a physical check for the remaining balance. The following Monday, I spoke with PNC customer service to check the status of the check that was going to be mailed, and customer service informed me that the {$4300.00} was actually just going to be sent back to my payroll. I also went into a physical PNC branch in order to figure out what was going to happen due to conflicting info, and they informed me after speaking with their team over the phone that they have no idea whats going to happen with the money, however it posted to the closed account and the funds are being held. I followed up with customer support on the evening of XX/XX/year> and they informed me that I would have to call back Wednesday in order to follow up about how the funds were going to be sent, when they might be sent, and if any amount was going to be deducted. As of right now, I currently have no information as to when the {$4300.00} or so will be returned to me. PNC stated that this process can take anywhere from 7-10 business days and that no timeline can be given as to when I may receive my funds back.
Frequently Asked Questions
What is Complaint #18234079 about?
Complaint #18234079 was filed against PNC Bank N.A. regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2025-12-22T12:00:00-05:00.
How did PNC Bank N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against PNC Bank N.A.?
Yes, visit the PNC Bank N.A. company profile at readthecomplaint.com/company/pnc-bank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.