Checking or savings account -- Managing an account -- Complaint #19021452
Complaint Overview
Complaint ID: 19021452
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Maryland
ZIP Code: 20877
Date Received: 2026-01-26T12:00:00-05:00
Date Sent to Company: 2026-01-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, a merchant payment portal initiated a debit of {$420.00} from my checking account before any payment amount was selected or authorized. The debit exceeded the lawful amount owed at that time. The funds withdrawn originated from a federally administered benefit account used to receive disability-related income. The merchants own resident ledger later reflected a credit balance, confirming the debit was an administrative overcollection rather than a valid charge. Beginning XX/XX/year>, I contacted the merchant repeatedly in writing to request correction and refund. I provided documentation, including the merchants own ledger, showing the overcollection. Despite multiple follow-ups over more than XXXX days, the merchant has retained the funds and has not issued a refund or provided a clear explanation. As of today, the funds remain withheld, causing financial harm. This appears to be an unauthorized debit and failure to timely correct a banking error after notice. I am requesting that the financial institution and merchant be required to address the unauthorized debit, confirm corrective action, and ensure no further improper withdrawals occur.
Frequently Asked Questions
What is Complaint #19021452 about?
Complaint #19021452 was filed against PNC Bank N.A. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2026-01-26T12:00:00-05:00.
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.