Consumer complaint received 2022-11-23
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had an account with Simple bank account that I chose to have and open. 
That company and all accounts were sold to BBVA. An account was opened at PNC when that was sold. I never authorized a PNC account to be opened on my behalf or to open one. 

I am appalled that a bank has permission to open an account on behalf of a customer WITH FEES. Transferring an account with no fees associated at one bank when sold to another should remain the exact same. 

I just logged into the account to find out that there has been a monthly fee ( for what I have no idea ) and a paper statement fee every single month. 
I did not authorize this account, especially one with any sort of fee- or fees- associated with the account. The schedule of fees is below- a total of {$76.00} has been stolen from me from PNC since XX/XX/XXXX. 

When I called immediately upon creating a login to see these charges, their answer was that a welcome packet was sent to me when the bank sold my account to PNC. I explained that I never received any sort of packet. They had an old address attached to my banking profile, while my single account had a different one attached to it. I have no idea where such a packet was sent, but the bank seems to think that that welcome packet authorizes them to take my money. I did not receive such a packet welcoming me. Nor would I understand how a welcome packet explains their use of my account at their will. Fees have changed from {$2.00} per month to an additional {$7.00} to now {$10.00} according to my research into the account use by PNC. I have used the account for five total transactions over the past 12 months, two of the five transactions were deposits automatically made. The remainder of the account use is from PNC, a total of XXXX transactions unauthorized. 

I did request a debit card by phone when realizing that BBVA had sold to PNC. What I did not authorize, nor was ever disclosed to me, was that this bank account has fees associated with it. When I requested my debit card no one disclosed to me any sort of fees, nor was it disclosed in the banking transfer details. I have an email stating that BBVA was selling to PNC but that is it- it does not say that I would be charged up to {$10.00} per month as a result of that sale and their action of creating a PNC account for me. 

I request that PNC immediately deposit my money back to me in total of {$76.00}. I would request interest rate of 7 % to account for inflation and money lost to due that interest rate. 
However, I will settle for a simple resolution of that money being placed immediately back into my account and if they would like me as a customer to guarantee no fees on my account. If not, I request that the account be closed as I do not authorize nor ever would authorize a bank to charge me for the privilege of being a customer with them using my account more than I do, taking my money for that privilege of their being able to dip into it and take whatever they feel is needed. 
Fees taken from me : XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$3.00} {$76.00} Sincerely,

Company response to consumer: Closed with monetary relief