Consumer complaint received 2016-12-11
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
You will have difficulty believing my complaint against PNC Bank. 
I apologize for the length of this complaint Sometime in XXXX my checking account was compromised, I reported it immediately and requested the account to be closed. PNC incredibly claimed they were unable to close my account due to a negative balance. ( That is a blatant lie- I know for a fact PNC has the ability to close an account regardless of the status, the information I have to support my claim comes directly from an employee who monitors the programming of PNC 's DNA system ) -Additionally, the Negative balance PNC refers to was due to NSF fees resulting from my account being compromised. ( therefore a PNC error ) -Nevertheless, I waited a month, went into a branch and sat down with the representative ( who knows me well ) for over an hour attempting to resolve whatever issue PNC had and so I could close my account since there were obvious security issues. 
-During this time PNC continued to charge me service fees every day of at least {$7.00} I had to drive back to the branch on 3 separate occasions as a result of these fees, each time with an apology and promise to resolve the issue from PNC XXXX 
-Additionally, since my account was compromised I decided to review all the transactions for the month prior ( XXXX ) to the present ( it was XXXX at the time ) - I noticed a WITHDRAWL of {$360.00} on XX/XX/XXXX title as " Debit adjustment card '' and further research displayed a withdrawal from an ATM on XXXX ( about 45minutes to and hour from me ) I have NEVER traveled to that area anytime this year THIS IS WHERE MY CASE BECOMES MORE INTERESTING .... 
- I had ATM deposits of {$360.00} on XX/XX/XXXX and XX/XX/2016 and I do have the receipts, so I was wondering if this was a coincidence? 
- I drive back to the branch, the representative makes several calls, hours later it is confirmed that PNC took the {$360.00} out of my account, never provided me with a notice and never informed me in anyway until I questioned the debit. 
- PNC bank has refused on several occasions to provide me with an explanation. As of XX/XX/2016 I continue to have no idea why PNC bank attempted to take funds from my checking account and still refuses to provide me with a specific explanation. Particularly since I have requested the entire file as my legal right. ( is n't this is in violation of Federal Policy, once a request for my file is made. It MUST be produced? ) - Another month past and finally on XX/XX/2016 the following transaction appeared on my account " Provisional credit- Dispute pending EFFECTIVE XX/XX/2016 - Finally, on XX/XX/2016 PNC informed me that their investigation was " complete '' therefore admitting to their error and permanently returned the funds of {$360.00}. However, still refusing to provide me with specifics/details of the investigation as I have requested many times. 
- Additionally, PNC bank continues to refuse closing my personal checking account and I am still being charged {$7.00} daily as a " Continuous OD charge ... '' NSF fees for ACH withdrawals and monthly service fees of {$13.00}. 
- NOTE : The branch Rep. I am working with must continuously flag these debit fees and credit back my account. But, according to PNC they can not stop them as long as the account is open, yet they refuse to close the account, CRAZY! 
- The DNA system PNC bank uses is programmed by PNC bank and it can be programmed to separate disputed transactions or nearly any other way. Basically, however PNC bank 's system reacts to any transaction or issue is specifically designed to do just that. This is a fact and I can prove it given the opportunity. ( I have an unique background in programming, years ago offered a scholarship by XXXX, foregoing for an academic scholarship from XXXX while graduating with honors. the skills I posses in tech are not rivaled by many.

Company response to consumer: Closed with explanation