Checking or savings account -- Managing an account -- Complaint #5832555
Complaint Overview
Complaint ID: 5832555
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Banking errors
State: Ohio
ZIP Code: 439XX
Date Received: 2022-08-01T12:00:00-05:00
Date Sent to Company: 2022-08-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX XXXX on my pnc checking account, there was a charge for {$68.00} to XXXX XXXX that overdrew my bank account by {$46.00}. Later that day I made a {$50.00} transfer from my savings account that put my account back into the positives at {$3.00} and pnc bank charged an overdraft fee anyways even though their policy states that if the account is brought back to positives by the end of the day, no fee will be charged. They refused to refund the fee. From XXXX to current day, the account accumulated XXXX overdraft fees totaling at {$3600.00}, that would not have happened if that {$36.00} fee would have been removed. If that one fee on XX/XX/XXXX was refunded, and my account balance was adjusted correctly, XXXX of those fees equaling {$3600.00} would never have happened. They did agree to refund XXXX of the overdraft fees totaling at {$460.00} on XX/XX/2022. However they refuse to refund the remaining XXXX fees equaling {$3100.00}. We are somehow expected to feed our XXXX children and pay all our bills with no money because the bank refuses to correct an error. When I first opened my account, the overdraft policy was never explained to me. I signed their overdraft policy thinking it meant it would protect you from overdrafting your account but it wasnt until last week when an employee explained it to me that it does the opposite. We are trying to get our finances straightened out and its really hard to do when the bank took all our money.
Frequently Asked Questions
What is Complaint #5832555 about?
Complaint #5832555 was filed against PNC Bank N.A. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-08-01T12:00:00-05:00.
How did PNC Bank N.A. respond to this complaint?
The company responded with: "Closed with monetary relief". 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.