Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MD)

I was a PNC Bank customer for over 10 years maintaining several accounts with them. My average balances on deposit were in the tens of thousands of dollars not including direct payroll deposits totaling well over XXXX XXXX XXXX dollars. I have never been late in making any payments nor have I overdrawn my account in those years. 

About a year ago I started getting service charges although my relationship type should prevent that. I called each time and explained that I should not been charged. The charges were generally credited back. However, this kept occurring. I called customer service numerous times and representatives would make some changes to my relationship type to avoid those fees, all to no avail. I then decided to close my accounts with PNC and successfully closed 2 of the 3 accounts I had. Before I could close my main working account I was charged another service fee as my balances dropped below the minimum requirement which I understood and agreed to pay when I again spoke with a bank reprehensive. Two ( 2 )  days later I was preparing to go to the bank and make a final deposit to pay the 1 service fee and noticed on-line that I had been charged {$33.00} for new checks that I never ordered. I assume one of the banks representatives in their efforts to help me by changing my relationship type must inadvertently signed me up for checks. A review of my account will clearly show that I rarely use checks and had no need to order any especially considering that I was closing my relationship and in-fact had closed two accounts already. I again contacted the bank and I was instructed to return the unused checks to a branch and the fee would be reversed. I returned the unused checks as directed and paid the 1 service fee and thought the matter was resolved. Several days latter my account had not closed and still showed the negative {$33.00} check order fee. I had to again call the bank and explain the entire circumstance. I was assured the matter would be taken care of and accepted the banks apology. Although I cant find the ladys name I spoke with I would hope a review of the banks records will show my numerous attempts to resolve this matter. Then on about XX/XX/2020 I received a letter from XXXX XXXX XXXX advising my account had been charged-off in the amount of {$33.00}. I was floored not to mention very upset. I again contacted PNC Bank on XX/XX/2020 and spoke with Ms. XXXX and again reviewed the problem with her. She advised me she could not reverse the fee and close the account. I then asked to speak with her manager who was not available after holding some time. I then filed a verbal complaint with her regarding this on-going problem. Ms. XXXX said she would ask a manager to call me and I should receive a call within 2 business days. I have not received a call. 
I have maintained my finances in perfect order and have a credit score over 820. I pay what I owe but I refuse to pay for something I didnt order, need or want. Then to have my account charged-off after all the calls, especially considering my past relationship with PNC Bank is beyond belief. 

PNC Banks continual neglect in providing me a timely remedy to an error they created may be indicative of a systemic bank problem that deserves investigation well beyond my complaint. 

I would appreciate any assistance and relief you can provide. Thank you in advance for your time and consideration.