Consumer complaint received 2019-06-13
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XXXX XXXX 2019, I went to the local branch in XXXX Il. I requested my 3 account to be closed and funds mailed to me. The local bank insisted they issue checks for funds. I received funds and left premises. 

On XXXX XXXX 2019, I received a phone call from PMC Bank corporate ; my accounts occurred penalties, overdrafts and/or insufficient fund charges. The accounts were not closed, PNC SAID they made a payment to XXXX XXXX on XXXX XX/XX/2019, for the sum of {$24.00}. The bank had no authority to make payments in my name, said payment was unauthorized because PNC was notified in " XXXX XX/XX/2019 '' to close my accounts. 

I wanted to clear up said issue quickly so I offered to pay the {$24.00} and fees. A bank check was processed for the sum of {$43.00} with a memo attachment of XXXX   XXXX. The bank representative SAID they released all other fees attached to my personnel checking and saving and CLOSED them. The PNC representative said my business checking fees had to be released by a different department and she would check on said and call me back. The representative did call me back the same day, SAID the fees were cleared and the account was closed. 

On XXXX XX/XX/2019, I filled out a PNC e-survey ; I gave high marks to the representative ( that said she closed my accounts ) but, I gave low marks to service. On or about XXXX XXXX a PNC representative called me to further investigate my poor survey results. I explained my issues with PNC banks incompetence that I had witness in the past 4 years ( I believe its a local issue with XXXX, Il facility ). In reflection, it makes me feel PNC is now harassing me because of my survey results. 

On XXXX XX/XX/2019, I received a phone call from PNC Bank corporate ; my accounts occurred penalties, overdrafts and/or insufficient fund charges. The accounts were not closed, PNC SAID they made a payment to XXXX XXXX on XXXX XXXX 2019, for the sum of {$24.00}, this date changes as the conversation progressed ; as I explained the situation. When I told them I had proof I paid said amount on XXXX XXXX, the payment date was changed to XXXX XXXX and then XXXX XXXX. Again : The bank had no authority to make payments in my name, said payment was unauthorized because PNC was notified in " XXXX XXXX 2019 '' and XXXX XX/XX/2019 to close my accounts. And the representative confirmed the closing on XXXX XX/XX/2019. 

NOTE : I failed to change the account information for XXXX XXXX. I fixed the issue on XXXX XX/XX/2019 as I was talking to the PNC representative, I rechecked the account assigned bank on XXXX XXXX 2019 to confirm the assigned bank was correct. 

Per XXXX XXXX records a payment for {$24.00} was requested by PNC on XXXX XX/XX/2019 and returned. This means no funds were distributed by PNC ( payment was not made ). So, in effect the payment request made by PNC on XXXX XXXX from me, for the sum of {$43.00} ( XXXX XXXX and fees ) was fraudulent. In addition, the current request for funds repayment and fees issued to XXXX XXXX is fraudulent. PNC has not made a payment to XXXX XXXX in my behalf since XXXX of 2019. Note : a request for payment was make on XXXX XXXX 2019 and returned. 

My conversation between PNC representative XXXX XXXX and myself terminated with no resolution. PNC rep said they would call back on Friday XXXX XXXX 2019. I have no confidence said issue will be resolved ; PNC has had 2 opportunities, to close my accounts and failed.

Company response to consumer: Closed with explanation