Checking or savings account -- Closing an account -- Complaint #13351922

Complaint Overview

Complaint ID: 13351922

Company: PNC Bank N.A.

Product: Checking or savings account

Sub-Product: Checking account

Issue: Closing an account

Sub-Issue: Funds not received from closed account

State: North Carolina

ZIP Code: 281XX

Date Received: 2025-05-05T12:00:00-05:00

Date Sent to Company: 2025-05-05T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Note : ACCOUNT WAS INCORRECTLY CLOSED AND NO FOLLOW UP. Called XX/XX/XXXX to close my checking accounts. The lady I spoke with told me that I had XXXX owed to me and that a check would be issued. I asked her to confirm the account was closed and she it was and that it was on a recorded line and that's how I would be able to trace it back. I cashed that check on XX/XX/XXXX. Later, I received a paper statement after that in the mail indicating I had a negative balance and I called to see what could be done to close this account. The account representative told me to that I would need to pay that XXXX that was owed to close this account. I provided my checking account information over the phone to use to do that. They advised it went through and I left it at that. I called back a week ( late XX/XX/XXXX ) to double confirm the account had been closed. The representative could not confirm as it had some odd status on it. He told me I would have to call back. I called back today XX/XX/XXXX and they stated the account was closed and it looked like it was 'charged off '. I had huge concerns about this because I was never contacted if there was an issue bringing this back to a XXXX balance. The rep later said that in the notes it looks like I did pay it and that it was fine - I wanted some assurance from this - a letter to confirm I was in good standing as I have a business account with over {$7100.00} in there right now and do not want any issues at PNC or my credit report. Case # was # XXXX 'XXXX '' XXXX. XXXX, the account rep filed a complaint on my behalf so I could get a letter. The lady I spoke with from the Complaints line was incredibly rude. She stated without asking any kind of questions why I didn't check my account to see if the XXXX went through. She didn't bother to ask if we could connect with the account reps ( she could not see anything in her system from my account ) to see what actually happened. I was not helped by this representative- XXXX Complaint # XXXX. She transferred me to a supervisor 's voicemail and I left a message. At this juncture, I need intervention from an outside party. They also mailed me another check for the XXXX, which I have not cashed. There was another issue prior to all of this, when I had a debit card created within the branch, the banker never told me I was paying an exorbitant fee every month and then, asked me for my pin # so he could set up my card. This is a big no no for privacy concerns. I am uncomfortable with the level of training at this bank as they can't seem to figure out something as simple as a bank balance closure. Your help is appreciated.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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