Consumer complaint received 2017-09-27
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I overwithdrew my PNC Bank virtual wallet A/C by {$18.00}. I 'm not working and I did n't have the money to pay it immediately so I called PNC on XX/XX/XXXX to cancel the account so I did n't incur anymore fees. I was told that the account was closed. On XX/XX/XXXX i got hit with a continuous OD Charge 3 days for {$21.00}. on XX/XX/XXXX a XXXX automatic charge was posted to my a/c for {$9.00}. I forgot about this auto charge but at the same time, I figured if the a/c was closed, it should'nt go thru. 

Then, between XX/XX/XXXX I was hit with another {$85.00} in charges, overdraft fees, continuous od charges. 

On XX/XX/XXXX I received in the mail a notice that my virtual wallet account was converted to a standard checking account. My virtual wallet account was never closed. I was never told that my a/c would be converted to a standard checking a/c and never told the reason why it was. 

I contacted PNC via phone and XXXX about 4x between XXXX I went to the PNC Bank in XXXX XXXX DE XXXX XXXX and explained the situation. I was told that the PNC on the phone on XXXX should 've never told me that the a/c was closed b/c since the a/c was overwithdrawn, it could not be closed. She could not tell me why the virtual account was converted into a standard checking account. 

Also, I am listed as a secondary on another checking a/c with PNC. My husband is the primary. I asked the PNC rep at the bank if the monies in this checking account can be used to reconcile the virtual wallet checking/standard checking account overwithdrawn balance and I was told no b/c the checking a/c I was listed on was not a primary a/c under my name, it was my husband who is listed as the primary and since he was not listed on my virtual wallet/standard checking a/c, the monies could not be used. 

During all of this, I contacted PNC via XXXX and a rep by the name of XXXX XXXX @ PNC contacted me via e-mail. I called her w/ the phone number provided in the e-mail. She stated she was on a recorded line Here is the recap of the conversation : At the beginning of the call, the balance of the A/C ( virtual wallet/standard checking ) was negative ( - {$170.00} ) You reversed two {$36.00} fees as a courtesy, Thank you. 

Balance of A/C ending in XXXX ( virtual wallet ) is now negative ( - {$100.00} ) I stated I will try to reconcile the a/c ( virtual wallet/standard checking ) to a {$0.00} balance when possible. 

You stated the a/c can not be closed b/c it has a negative balance and that it would continue to incur fees until the a/c is reconciled to a {$0.00} balance You stated that another checking a/c where I am listed as secondary a/c ending ( this is the a/c I 'm listed as a secondary and my husband is the primary ) XXXX, the funds may be withdrawn by PNC Bank in the future to reconcile a/c ( virtual wallet/standard checking ) ending in XXXX. 

I notified you that a PNC Bank employee I saw in person @ the XXXX, DE location on XX/XX/XXXX told me that A/C monies ending in XXXX could not be used to reconcile A/C XXXX XXXX virtual wallet/standard checking ) b/c I was not the primary on A/C ending in XXXX. 

I sent this recap to XXXX XXXX via e-mail after the phone call. 

So now, I have XXXX conflicting reports, on PNC bank rep says the a/c ending in XXXX ca n't be used to reconcile a/c ending XXXX and another one says it can be used to reconcile a/c ending XXXX. 

My husband is already very upset about this and at me and he does not want the monies in a/c XXXX to be used to pay to reconcile a/c XXXX. Money is already tight and we ca n't afford to pay all the fees. We are willing to pay the amount we overwithdrew and I was able to get {$14.00} into the virtual wallet a/c ending in XXXX via paypal. Im working on getting more but more and more fees will be posted every day I ca n't put money in the a/c.

Company response to consumer: Closed with monetary relief