Charlotte (3-2) reached overtime by blocking a Buccaneer field goal attempt on the final play of regulation. The 49ers had the ball first in overtime and reached the Charleston Southern 1 before a holding penalty snuffed the drive. Then Charlotte missed a 30-yard field goal.
Reyes finished with 159 yards for the Bucs (5-0) and Austin Brown hit 17 of 20 passes for 216 yards and two scores.
Matt Johnson was 16 of 27 for 305 yards and two touchdowns, both to Austin Duke, who had 12 catches for a school record 251 yards. Kalif Phillips had 196 yards on the ground and two touchdowns.
CSU had 617 yards of offense, holding the ball for almost 42 minutes. The 49ers had 573 yards in just 18 minutes.