Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was a client of XXXX bank in XXXX XXXX  where I had several accounts. Both personal and business. I also had XXXX credit lines, XXXX of {$XXXX} and XXXX for overdraft for {$XXXX}. All my accounts where in good standing and I had a balance on the credit line of about $ XXXX to $ XXXX, and I can not remember if the overdraft had a balance. I was paying the monthly fees and some principal to keep the credit line in good standing and able to be used as I paid it down. I had paid quite a bit in fees and interest over the course of the year keeping the credit line in good standing. I wanted to have the credit line to use when I needed it, and was working to get it paid down. XXXX paid was over $ XXXX to $ XXXX. 

At some point without any notice or being aware. PNC Bank bought XXXX Bank and all or most of the branches where close over a weekend. I was notified of the closing I believe in a text or when going by a branch. I was unable to access my accounts for about a week and was told to use the PNC Bank XXXX online portal as well as to download the mobile app. After logging in and attempting to access my accounts I found that there was no information there regarding my accounts. This went on for a few weeks. This issue is well noted on the internet and is common public knowledge doing a search on the internet. I can't remember all but I had issues with my savings and checking accounts and had to deposit money to keep the balances positive. They were not negative the last time they were at XXXX. 

The bigger issues where the credit lines. Which were gone. There was no information and the branches could not tell me anything about those accounts. I asked if they were going to be moved and the branch managers did not know. Again in looking at my acounts at the branches, through the online desktop we could not determine the status of the accounts and nothing was sent to me. At this time and for the next 6 months the mobile app did not work at all. I could not log in or when I did there was no information. I was told the mobile app is where I could communicate with PNC Bank. In trying to call customer help lines I could not get through either. 

To summarize I was unable to access my accounts correctly for about 6 months and could not get any information on the credit accounts other than they said " They were closed ''. I proceeded to close my accounts at PNC Bank since I was being charged overdraft fees and penalties on my checking accounts that I could not access or look at. So I would go and deposit money at the branch in cash, hoping it would cover whatever was going on, since I couldn't wire or XXXX  funds into the accounts. 

I tried to find out what the issues with the credit lines over that time and recieved no information until after 6 months. I was notified of the balances which were much higher then when they were are XXXX. I disputed the issues with the bank but did not get any information or a reasonable response regarding the increases that occured over the time I could not access my accounts. I have continued to ask for the information and for a removal of the fees, pentalties and interest due to the time and blackhole of operations by PNC and due to PNC 's operations and bad change over but never got any respones. The debt has since been sold to a XXXX party and I am know disputing the charges again and they have now doubled on an account that has been closed for almost XXXX or 5 years. 

I felt I was damaged initially by not have the credit line which I paid a lot of money to keep in good standing and functioning so I could use it when needed. The closing of the credit line without any notice or allowing me to have another with PNC bank was a loss of thousands of dollars in payments I made to XXXX to keep the credit lines open and good standing. Not knowing what the status was for over 6 months and being charged fees, pentalties etc.. during this time created a very bad situation which I felt needed to be corrected and a resonable settlement should have been forth coming, but never occured. Again as of late I have disputed the collections and asked the bank for information. I recieved only phone calls and an answer of the double the amount balance of over {$XXXX} was owed with no explanation, listing and documentation of the increases. 

I will continue to dispute this and have told them I am willing to work with them on a resonable settlement but will not pay excessive pentalties, interest and fees since they caused this whole issue to start and damaged my banking position and accounts. 

I appreciate anything you can do and Thank you for your time.

Company response to consumer: Closed with explanation