Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: WV

Complaint narrative:
My son sent me a XXXX dollar XXXX payment on XXXX XXXX. Payment promises immediate funds available and my payment was withheld even though there was a zero dollar balance. Even though I have repeatedly asked PNC to close my account they have continued to keep it open causing my payment to be routed to PNC and not my new bank account. They have not continued to keep this account open for anything other than retaliatory purposes. The fact that my balance has been zero and they have continued to refuse to close this account is proof. This way they can continue to charge me fees and railroad any payments coming in. They have violated XXXX CFR Part XXXX regarding my sons XXXX XXXX check in turn costing me the only form of income I had due to consecutive and illegal overdraft fees.this is protected by XXXX and XXXX XXXX XXXX and XXXX XXXX use this to prevent banks from withholding funds and causing surmountable roadblocks preventing consumers access to their funds. From XXXX of 2025 until currently I have filed XXXX claims through XXXX begging for some kind of resolution. My account shows I still have an active dispute that is well over 15 days and I have once again been violated with this most recent XXXX payment. I went from a XXXX dollar balance to all of a sudden the next morning once I called the customer service number for the third time I owed them XXXX dollars and XXXX cents. They claimed was for account fees. I have written documentation that I have asked them on more than XXXX occasions to close my account. In retaliation for my complaint they took it upon themselves which I found later in my emails that they have ownership and the right to dispute any fee or charge made on my account so that afternoon I was contacted by XXXX stating my account had been temporarily suspended due to a dispute made by a transaction on a PNC debit card that was never even activated. As soon as I received it in the mail I once again told them I wanted the account closed cut the card up and that was over.but it was not over. Once I spoke with XXXX through email and asked that our conversation continue through email due to the past issues and the dishonesty they continue to involve themselves, she contacted me through phone anyway. I explained I wanted the account closed, I was still reeling from the financial cripple the bank has already caused me, and I thought it completely dishonest that she made a false claim to XXXX which was attached to my new online store created after they caused me to close with the last. She continued to say that the dispute was valid and told me that she would now put me in debt to PNC for XXXX dollars and continued to try to extort me for money I did not have. I asked her for a transcript of the conversation and it was unfair she was able to have proof of the conversation and I was not and she told me without a subpoena I would not be granted access. I dont understand who I need to reach out to to get this resolved but it is disgusting and honestly disturbing that you are supposed to regulate this kind of behavior and yet it continues while they continue to charge my account

Company response to consumer: Closed with monetary relief