Consumer complaint received 2022-05-31
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I the undersigned ( XXXX XXXX XXXX ) PNC personal banking customer since 15 years, my entire XXXX Family banks with PNC, wish to bring to your kind notice my concern for, Service fee ( {$2000.00} ) charged, without my knowledge, even though I have maintained a OVER ALL BALANCE ABOVE XXXX USD, COLLECTIVELY in ALL MY CHECKING AND SAVINGS ACCOUNTS IN PNC BANK, ALONG WITH MY FULL FEDERAL SALARY MONTHLY DIRECT DEPOSITS, OF UPTO USD XXXX, from my Federal job at XXXX XXXX XXXX as XXXX XXXX. 

PNC BANK Address : XXXX XXXX XXXX, XXXX. MD. XXXX. 

The main issue of concern is regarding Performance Select Interest Checking Account ( Ending XXXX ) opened in XXXX of XXXX. 
The Account was opened, as a promotion scheme by the bank, I was specifically NOT told to maintain any specific minimum balance just for this Performance Interest checking account ( Ending in XXXX ). 
In XXXX Yes, I was informed that the OVERALL balance in my accounts linked to PNC under my name should be above USD XXXX balance, to avoid monthly SERVICE FEE charges. And, moreover if you have your salary direct deposits to your accounts above USD XXXX, should be protected of the service fee balances is what the Personal Banker had informed us while opening the accounts. 

The performance select Interest checking Account .. had the balances of above USD XXXX, until XX/XX/XXXX statement. 
Unfortunately ; the balance was transferred by PNC Bank teller on XX/XX/XXXX for USD XXXX. 
P : S : I did not do the transactions online. Per records .. A Bank Teller has done the transfer, Bank needs to investigate ..why a bank teller, will incorrectly move money from interest checking account ( which would have incur penalty ), when other accounts have excess amounts in them .. for usage, without penalty. 

Ever-since, That fateful error transactions happened ( by your teller ) to my regular checking account .. PNC Spending A/c XXXX XXXX.. 
The remaining balance amount in ( A/c # XXXX ) {$2000.00} was depleted to ZERO BALANCE ( and went to USD - $ XXXX by XX/XX/XXXX ), by SERVICE FEE DEDUCTIONS, and A/c closed. 

HISTORY OF INTERACTIONS WITH LOCAL PNC BANK AND RESPONSES : Since, XX/XX/XXXX I have been infected with XXXX XXXX  and did not check my mails and had to relocate due to personal/Medical issues. 
On XX/XX/XXXX When I went to bank, to enquire Personal Banker ( XXXX XXXX XXXX ) replied, rudely and insulted me by asking me to show my Immigration status verification first, to give details on my account, even, when I presented my PNC Debit card and Maryland Driver ID and advised me, to check my fee details online, myself, at home. 
Later, I have talked to your PNC Branch manager ( XXXX XXXX ) He escalated the complex issue to Higher Management to help me. 
On XX/XX/XXXX XXXX XXXX XXXX PNC supervisor, updated that he will reopen the closed account ( XXXX ), and will review it with Management. But, said he will not be able to give me any service charges back, since my Performance select ( Ending XXXX ) account, is currently closed. 

Here are the your PNC banking fee details which was promised to me .. and also it currently exists on your account website online for the Performance Deposit A/cs.. 
Under -Customer Service FAQs- Important Account Information for Existing Checking Customers |

Company response to consumer: Closed with explanation