Consumer complaint received 2020-08-10
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I opened a checking account with the PNC XXXX XXXX XXXX in Washington D.C. about a year or so ago ... 

Ever since I have been having issues with money simply disappearing my account ... 

Initially when I contacted PNC about it they told me there was an issue with when the merchants choose to charge my account. 


However there was a time a few months after I opened the account there was a situation where as I was going to pay for food the money that was in my account instantly disappeared ... 

PNC gave no explanation and this money wasn't reflected on my account as a debit. They made it seem like I wasnt responsible and needed to keep a personal ledger when I knew that wasnt the issue. I went into the local branch to have my statements printed and they insulted my intelligence by simply showing statements that reflect the digital ledger. 
Stuff like this happened a few times and eventually one time it led to a nearly fatal but debilitating car accident. 

That being said a few months ago. I started a new business partnership that required I keep a card on file with one of my business partners. The partner was an XXXX XXXX location in XXXX XXXX Maryland ( XXXX XXXX ). 

However I was getting hit with random XXXX dollar charges and when they started claiming that I didn't make payment when I know I did. This is reflective on the fact I was able to use the vehicle for work. XXXX the business partner that facilitated this can attest to this. I didn't see it come out of my account as a transaction on the digital ledger. 

When I contacted XXXX customer care they acknowledge this was an error in their account and they hung up which I found was weird ... 

After a conversation with what I can only assume was the manager of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX location it was clear that there was criminal intent behind all this craziness. 

I discontinued the relationship with XXXX. Switching out my card in the process so they don't have access to my account. I told PNC about it and they assured the old card they had access too was indeed closed. 

XXXX or not the representative who helped me actually did it is the core of this complaint because I got charged this Saturday from an XXXX location in XXXX  XXXX. 

I have been living in laurel Maryland for literally a year and having been to Virginia beach in years ... I am also not even licensed to operate in Virginia beach as a driver ... 

This is important because the money leaving my account before and there was no proof of this in the digital ledger ... 


The best reflection of all this was some bogus XXXX dollar charge and a payment I made to the company all on the XXXX. 

The XXXX dollars was a late fee that they even acknowledge was an error in their system later. At the time they charged me for missed payment which was the same excuse they used when they tried to charge me again on the XXXX. That's when I decided to end the partnership. That total was XXXX. This was on XX/XX/2020 ... 

They charged my account on the XXXX without putting the vehicle back on the uber platform which is illegal. Called PNC to tell them to stop this and I went into a branch to change my cards. They assured me they shouldn't have access anymore. 

However I got charged this Saturday XX/XX/2020 XXXX which is roughly what I pay for the equipment, from a location not in the same metropolitan I'm in Virginia XXXX ...

Company response to consumer: Closed with explanation