Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (OH)

I wrote a three-page letter on XX/XX/year>, to PNC Bank Credit Card Services as a follow-up to a telephone call I made to their customer service department on XX/XX/year>. On XX/XX/year>, I discovered that PNC Bank had processed an automatic payment from my checking account that was twice the amount they were supposed to. I advised PNC on that XX/XX/year>, call as well as in writing in that XX/XX/year>, letter that I was rescinding their authorization to process XXXX payments from my XXXX XXXX Bank checking account and to disenroll my PNC XXXX XXXX XXXX card from automatic payments. All future payments to my XXXX account would be by check. 

On the XX/XX/year>, telephone call PNC representatives advised me they had no record that my account was enrolled in automatic payments and therefore they were unable to process a disenrollment, this despite 4 years of account history showing enrollment in automatic payment credits to my account. I advised PNC that I had instructed XXXX XXXX  not to honor any request from PNC for XXXX withdrawals from my checking account and to return any payment requests marked unpaid/stop payment. 
On XX/XX/year>, I was notified by XXXX XXXX  that PNC attempted to withdraw funds from my checking account. The request was returned to PNC unpaid as I had placed a stop-payment on my checking account to ensure that PNC would not be successful in any future attempts to withdraw funds from my checking account. As a result of the stop payment and the return of the automatic payment back to PNC, they charged me {$27.00} a returned check fee for the returned payment. 
I wrote PNC advising them that I was told by their customer service representatives that I was disenrolled from automatic payments, yet they keep attempting to process automated payments despite my notification that their authorization to withdraw from my checking account was rescinded. I requested PNC again disenroll my XXXX account from automatic payments and to stop attempting to withdraw from my checking account and then charge me {$27.00} for a returned check fee when the automatic payment is returned unpaid/stop payment. 
Since I knew at least XXXX billing cycles would pass before PNC responded to my letter, I requested they refund me the {$27.00} return check fee charged to my account in XXXX, XXXX and XXXX. 
PNC responded to my letter on XX/XX/year> and did not address in their response letter the continued processing of automatic payments despite my continued notification to cease processing automatic payments. 
PNC refused to refund the fees saying that the fees were properly accessed in accordance with my cardholder 's agreement. Then stating that they considered the matter closed. 
Then XXXX weeks later on XX/XX/year>, PNC processed another automatic payment which was subsequently returned unpaid to PNC at which point they charged me another {$27.00} return check fee. 
Please help me do the following : XXXX. Compel PNC to disenroll my account from automatic payments and from attempting to withdraw funds from my checking account. 
XXXX. Compel PNC from charging me a return check charge for returned payments that were from a direct result of their refusal to disenroll my XXXX account from automatic payments. 
XXXX. Compel PNC to refund my account for {$81.00}, representing {$27.00} return check fees for XXXX, XXXX and XXXX of 2024.