Consumer complaint received 2023-03-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XX/XX/2023 I withdrawal the available balance of the account and closed the account at the branch of First National Bank located at XXXX XXXX XXXX, XXXX, PA XXXX ( I have a receipt of windrow and closeout the account ), I asked the tailor about any confirmation of closing the account and got response that First National Bank is not providing any confirmation about account closing. 
A few days later I got a call from the XXXX PA Branch ( XXXX - manager of the branch ) saying that some pending transaction made on XX/XX/2023 didn't go through and they reopened my account with XXXX cent deposit. She said that I have to pay amount of XXXX $ if not I will be charge for overdraft fee and send to collection agency. When I asked if she can provide any bank statement proving that transaction was maid and didn't go out from the account, got an answer that she can't provide proof of the transaction was maid. On that I have told her, I can't pay anything what I haven't spend.. 
A couple days later I received the bank statement from First National Bank ending on XX/XX/2023 where is not posted any transaction ( made on XX/XX/2023 ) that XXXX was talking about, it's saying that on XX/XX/2023 was maid CLOSINGS WITHDRAWAL of {$5000.00} and balance is {$0.00} after that. One day later I received I received one more bank statement First National Bank from XX/XX/2023 and ending XX/XX/2023 where is said that that on XX/XX/2023 was maid five transaction ( no number of transactions or destination to whom was made transactions ) which I didn't make them, with total amount of {$220.00} which went in negative balance and 3 days overdraft fees ( total negative balance - {$230.00} ). 
I have called the customer service of the First National Bank and talked to two persons about this issue, got an answer they can't answer me why that happened, who maid those transactions, and can't give me any paperwork or bank statement that explains how that happened. The only thing that customer service of First National Bank offered me to file the complaint ( which I did ) and this complaint will be sent to XXXX PA Branch of First National Bank ( didnt got any reference number of complaint ), I will get response in two days ( never got any response ). 
From the beginning of the XXXX of XXXX Im receiving several letters from First National Bank about negative balance and overdraft fees. 
I did send via mail official complain about this issue to the legal department of the First National Bank, XXXX XXXX XXXX and XXXX XXXX. 
Form all above explained I official declare that Free Small Business checking account- was closed by me owner of the account, on XX/XX/2023 with {$0.00} balance after that I never reopened the account, never made any transactions and never used the debit card. Reopening the account by Firs National Bank using my personal information consider iligal, transactions ( which caused negative balance of the account ) made on XX/XX/2023 consider illegal, fee applyed on negative balance consider iligal as well. 
I have recept from First National Bank that confirm the account was closed on XX/XX/2023, I have bank statements from First National Bank that confirm abuout when and what transactions was maid.