Consumer complaint received 2017-01-12
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My XXXX yr old son opened an account at age XXXX with my name also on the account as he was a minor. My son plays in a band and had recorded his first album at age XXXX. He did have some income due to his gigs and royalties from the sale of his albums/cd 's. He currently works at XXXX XXXX XXXX which is owned by his manager and music mentor, XXXX XXXX. The first year he managed his account very well. The second year he had XXXX NSF fees at which time I held up XXXX dollars and motioned as if I was throwing it in the street to demonstrate to him the consequences of not managing his money properly. The third year he had this account there were XXXX NSF fees. This last year XXXX, there were XXXX NSF fees which were hidden from me.XXXX was lthough we reside in the same home, I am a single parent, a XXXX for over 30 years and this past year have been cari g for my mother recoverig from a XXXX and my dad who is loosing his battle with the ravages of XXXX. I have been able to keep them in their home with the support of my siblings and by employing private duty caregivers at night. There is no doubt that my son, who turns XXXX this month is to blame for not managing his funds well. However, as my name was also on the account, should I not have been notified via certified mail around let 's say the XXXX th NSF fee that this was occurring? Clearly this was not his previous history and was an outlier for him. I spoke to the PNC branch manager, XXXX who was patient and understanding of my distraction due to my parents failing health and my devotion to them. This although well intended, kept me out of my home from XXXX until almost XXXX and allowed XXXX to hide the numerous notices that came in the mail. Had I been aware of that situation I would have closed that account by XXXX at NSF fee # XXXX. I have spent my life caring for the XXXX community. I believe in fair treatment for all regardless of their background, ethnicity or financial status. I worked the past 3 years at XXXX of XXXX XXXX as an XXXX XXXX XXXX providing care for those without the resources to pay for private care at a facility or to enter a faith based system for care. I told my staff daily that each of our residents deserve the best of care and compassion for " there but the grace of XXXX go I ''. My concerns for PNC to close that account were echoed by XXXX, the brach manager who stated ' that account should have been closed months ago ''. I am informing you so that future families do not get blindsided by this situation. It is not XXXX and I am not XXXX sitting home in my apron and pearls waiting for the mailman. I am a single parent working XXXX who is caring for XXXX elderly parents who is often only home to sleep. I encourage you to call or email me at anytime to discuss this matter further. We have not yet received XXXX XXXX, but I would guess he made XXXX XXXX last year, yet paid XXXX in NSF fees to pnc bank. I would hope that this will be reviewed within the guidelines of the consumer protection act implemented by XXXX XXXX XXXX. To benefit by the exploitation of a XXXX XXXX XXXX kid is unconscionable. A XXXX dollar letter which I had to sign for was clearly in order as XXXX NSF fees was out of the norm for XXXX and my name was first on that account. My concerns were forwarded to XXXX XXXX a corporate escalation man who decided to return XXXX NSF fees was out of courtesy. XXXX out of XXXX, do you think that is fair? I believe it 's pure exploitation of a naive and immature XXXX XXXX XXXX. I sincerely hope you will review this complaint. More importantly, require that the primary person on the account is notified via certified mail when there is abnormal activity on an account.account PLEASE keep me informed of your review. Thank you!

Company response to consumer: Closed with explanation