Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am filing a complaint against PNC Bank regarding monthly service fees that were charged under circumstances beyond my control. They required a minimum balance of {$5000.00} in the cheching account ; however, my total balance was consistently and significantly above that threshold.. This was not a case of insufficient funds. The issue arose because I was unable to access my account and therefore could not manage the account structure required to avoid these fees. Starting around XXXX or XX/XX/year>, I experienced ongoing issues accessing my online banking. I was unable to log in using both my mobile device ( XXXX ID ) and my computer. I made multiple attempts to regain access and contacted customer service several times, but the issue was never resolved. Because I could not access my account, I had no way to monitor my balance or take action to prevent or avoid monthly service fees. In addition, I reviewed my email records and did not receive clear or effective notifications regarding these fees. The emails I received either contained general information or required me to log into online banking, which I was unable to access. As a result, approximately {$220.00} in monthly service fees were charged to my account over several months. Due to the ongoing access issues and inability to manage the account, I chose to close the account. I closed the account specifically because I was dissatisfied with PNC Banks practice of charging fees while failing to provide adequate access and support. However, I was later informed that PNC Bank refuses to refund the remaining fees solely because the account is now closed. I believe this is unfair. The fees were not the result of negligence or insufficient funds, but rather a long-term unresolved access issue that was outside of my control. I made reasonable and repeated efforts to resolve the problem and relied on the banks systems to function properly. I am requesting a full refund of the remaining monthly service fees that were charged during the period when I was unable to access my account. I respectfully request that this case be reviewed and that PNC Bank provide a fair and reasonable resolution. Thank you.I am filing a complaint against PNC Bank regarding monthly service fees that were charged under circumstances beyond my control. At all times, my total balance across my accounts was approximately {$9000.00} or more. This was not a case of insufficient funds. The issue arose because I was unable to access my account and therefore could not manage the account structure required to avoid these fees. Starting around XXXX or XX/XX/year>, I experienced ongoing issues accessing my online banking. I was unable to log in using both my mobile device ( XXXX ID ) and my computer. I made multiple attempts to regain access and contacted customer service several times, but the issue was never resolved. Because I could not access my account, I had no way to monitor my balance or take action to prevent or avoid monthly service fees. In addition, I reviewed my email records and did not receive clear or effective notifications regarding these fees. The emails I received either contained general information or required me to log into online banking, which I was unable to access. As a result, approximately {$220.00} in monthly service fees were charged to my account over several months. Due to the ongoing access issues and inability to manage the account, I chose to close the account. I closed the account specifically because I was dissatisfied with PNC Banks practice of charging fees while failing to provide adequate access and support. However, I was later informed that PNC Bank refuses to refund the remaining fees solely because the account is now closed. I believe this is unfair. The fees were not the result of negligence or insufficient funds, but rather a long-term unresolved access issue that was outside of my control. I made reasonable and repeated efforts to resolve the problem and relied on the banks systems to function properly. I am requesting a full refund of the remaining monthly service fees that were charged during the period when I was unable to access my account. I respectfully request that this case be reviewed and that PNC Bank provide a fair and reasonable resolution. Thank you.

Company response to consumer: Closed with explanation