Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Upon opening a PNC business banking account, they set me up with XXXX merchant services and first data. XXXX sir is who the terminal was being leased through. Originally agreed to what was verbalized and explained after asking tons of questions and having those questions answered and at the time being satisfied with what I was being told, I electronically signed and agreement, the written form of that agreement I have yet to physically see I have requested it. I was told that it would at the XXXX XXXX 10 days before I would receive it it has now been 14 days and I still have yet to receive that and mind you Ive been asking for this since the last of XXXX before officially speaking with leasing and told at the bare minimal 10 days. I was mad led out a letter beginning of XXXX stating that my account would have an ACH withdrawal the XXXX day of each month starting XX/XX/XXXX for {$31.00} plus applicable tax which would then make that payment XXXX. On XXXX XXXX no such transaction happened however, XXXX days later a transaction appeared on my account in the form of an ACH withdrawal for {$66.00}. I inquired of the bank as to what it was because no other information was visible for me to see, Bank had no idea what it was which caused them to do an investigation that they told me would take up to 10 days which yielded in them classifying the transaction as unauthorized and reversing the money back into my account. XXXX XXXX, I noticed that a batch done on XXXX XXXX did not show up in my account. I waited until the XXXX. There was still no batch released into my banking account, I called clover merchant services on XXXX XXXX to inquire about my batch to which they said I had a reoccurring charge of {$77.00}. They couldnt tell me what that was for they saw that my batch from the XXXX was being held, and that was all they could tell me that then turned into an investigation that they closed out on XXXX XXXX that I was in collections for the lease payment with XXXX XXXX XXXX in the amount of {$77.00}. On Monday the XXXX I tried to contact first data XXXX from XXXX AM until XXXX PM to which I got no live person to speak with on Tuesday the XXXX I again begin calling at XXXX AM. Finally got through to the collection department of XXXX XXXX XXXX XXXX to which they claimed they came into my account for the mystery {$66.00} that you PNC Bank as well as XXXX merchant services did not know what that transaction was, and they still had not linked that transaction to what XXXX merchant services said I was in collections for. I spoke with several bank supervisors, clover merchant supervisors and XXXX supervisor who later told me she was low level but claimed to be reaching out to upper management was being told several different things which she claimed herself were false statements and resolves. I eventually asked for the regional XXXX of the branch where all was opened. Much to my surprise she was sitting in with me the day these accounts were created. She remembered me and some of the questions Id asked and did confirm how I was making sure to have clarity before signing anything. She said she would send emails out and get back with me the next business day or so. Well Ive not heard from her, however, another top tier personal called, had me run everything down with him. This one told me hed be call me by the end of the following week. Meantime in between time clover merchant service is still holding my batches and not releasing them into my account to which I was told that my batches would be available next business day and they have yet to be available next business day, so when my landlord comes in for the lease payment for my business space their XXXX withdrawal payment does not clear.

Company response to consumer: Closed with explanation