Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
It was brought to my attention at the beginning of XX/XX/year> that a business checking account that I had opened with PNC Bank had been flagged due to an overdraft caused by an unauthorized transaction. Immediately when it was advised I reached out to PNC to file a complaint and open an investigation into the unauthorized transaction. The account was in overdraft as a result and we were advised that the account was scheduled for closure soon. The rep. we spoke to in collections told us that she could extend the closure deadline and offer the opportunity to dispute the account. We were told that the dispute process usually takes 10 days so she extended the account until the XXXX of XXXX. On XX/XX/XXXX we visited the Court House Branch in XXXX XXXX XXXX. The branch manager looked into the account and stated that despite us having mentioned that there was a dispute submitted that he was unable to see it in the system so he resubmitted it once again. The manager there also explained after further checking on the account that we were being charged for some fees that we had no idea what they were. We were under the impression that those fees were service charges for the account maintenance we did not realize that these fees were for a service that we did not request. It was the branch manager who advised us as to what this were as it was simply labeled as service charge on the statement. On the XXXX we opened up two new accounts subsequently at the counsel of the branch manager and he placed notes and contacted escalations to address the issue and concerns we had. WE made deposits into the account. On XXXX XXXX I discovered that an amount of {$550.00} was debited from my account. This was transferred to offset the original disputed account. A week went by and we heard nothing back from anyone at PNC regarding the dispute so I called and was told that someone would call back. Very upset about the bank taking {$550.00} and not completing a thorough investigation I demanded someone call immediately. I was told that someone would do so within the day or next business day. Today I received a call from a XXXX who works in the Banking Customer Support Resolutions Department. From the time we began to speak you could feel through the phone that this matter was not going to be resolved by the attitude that this rep gave off. I explained to him that the account had services added that we did not need and that there were other issues like the lack of dispute communications and further the lack of transparency on all these matters. The rep moved to then explain that all the disputes were denied ; he stated that the disputes were denied because it was outside of the 24 Hour dispute allowed time from time to transaction. ( I have never heard such ridiculous excuse in my life ). He then moved to explain that this was a final decision and then raised his voice on the phone a bit. He further began to explain that this was in the banking policy that I received when I opened the acct which the account was opened online virtually. I tried to explain that the bank should have integrity and not complete disputes if they know that there is a restriction in the allowed time to do such. He then stated that the bank was not at error when there are clearly several errors committed by the bank to include taking {$550.00} from me and still closing the account anyways. The point of doing the dispute was to try to avoid account closure all in all and continue doing business. The fact that this XXXX  who was suppose to find a resolution did not is at the least to say disrespectful and lacking integrity. Why would the bank have such a policy in place and still conduct disputes. Why would you mislead customers on the fees they are paying for services that they do not even know they have. Why would you do any of this as a bank. PNC STOLE {$550.00} and the customer resolutions team did nothing to address it. This is just one of several issues we have had with PNC.

Company response to consumer: Closed with explanation