Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I signed up for SIMPLE BANK some years ago. It was advertised as 100 % online only, no branches. 

It was purchased by BBVA a year and a half ago. 

That was then purchased by PNC about a year ago. 

So my bank changed twice within a few months and there was no simple way to see what the difference would be between the three accounts. 

The new app they have for PNC won't allow me to deposit money to my account how SIMPLE BANK would. 

When it switched to BBVA and again when it switched to PNC I called them to make sure the account was setup so if I had insufficient funds it would deny the purchased. 

Now they have charged me a monthly fee. SIMPLE and BBVA had $ 0 monthly fees. That monthly fee {$7.00} sent my account negative and that means there's a {$36.00} fee attached. 

THEY EMAIL ME EVERY DAY WHAT MY BALANCE IS AND DIDN'T EVEN WARN ME WHAT WOULD HAPPEN! Sorry to yell. 

PNC sends me an email everyday for months saying " your account balance is {$2.00} '' and they never said " We are going to charge you {$7.00} tomorrow '' in those emails. 

The monthly fee ( {$7.00} ) sent my account balance negative and now they want a {$36.00} negative account fee!! {$43.00} is way too much money for a bank account. 

I've had the account for almost a decade. " We sent you the terms and conditions in the mail '' they tell me and they email me everyday and with a tiny bit of effort could have prevented me from being charged an overdraft fee but they didn't. 

I've had the account with PNC for months and they never charged a monthly fee before this. 

I have alerts on my account so it tells when I have a low balance by email but they didn't tell me when the bank itself was going to charge me all together {$43.00}. 

The new app for the new bank doesn't work on my new phone. The old app for the old bank worked great on my old phone. 

I can't deposit money into the account. 

I didn't know they were going to charge me money when they sent me my balance information. 

There are only branches very far from where I stay and I signed up for an account that was 100 % online only. 

I tried to deal with it and a person name XXXX was extremely rude about it and wouldn't even give me the address of where to send money in the mail so I can deposit money. 

They won't close my account until I have a positive balance and they won't take my money so I can have a positive balance. 

They didn't warn me of the upcoming fee or associated overdraft charge. 
They didn't bother to tell me they would start charging a monthly fee months after they switched the account over to BBVA. 

They wouldn't even give me an address to send money to! 

I can't deposit money so I can't close the account so it's just going to create a bigger and bigger bill for me. 

None of this should be legal in my opinion banks expect such a high level of perfection from the people there's no reason why I shouldn't expect a tiny smidge of decency from banks. 

They sold my account two times and changed the policies without making it clear to me what would happen and when. They sold my account two times and by the time I'm on PNC none of the apps work and their computers can not locate my account information for me to even sign in to see what fees there will be. 

PNC is ripping people off.

Company response to consumer: Closed with monetary relief