Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #4802519
Complaint Overview
Complaint ID: 4802519
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: California
ZIP Code: 90004
Date Received: 2021-10-12T12:00:00-05:00
Date Sent to Company: 2021-10-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was a Simple Customer who was involved in the conversion from Simple to XXXX. If you don't remember simple, their main selling point - no fees. Literally across every document that I signed, every commercial and every notice. Fast forward to the conversion, and I called and was told that my service would remain the same, the interest fee would change and they had overdraft fees. I didn't have the choice to opt-out because I couldn't access my Simple account to bring my account to zero, and they were unwilling to cut a check. XXXX started saying they'd honor the terms of my original agreement, but that changed ... not during the transition. Not even 90 days after the transition, but on XX/XX/2021. The month before, I'd received my first notice of the transition to PNC with a note that " fee waivers '' will expire. Crazy because the account I signed up for didn't have fees. And at this point, I hadn't agreed to any of PNC 's terms. The transition wouldn't complete for another two months. Next thing I know, I'm charged over {$700.00} for transactions ( all of which were paid in full using my XXXX XXXX card ) as the transition to PNC loomed. I noticed this change in XXXX and attempted to get in touch with their team. I wasn't successful until XX/XX/XXXX, at which time, the transition to PNC was a few weeks away and I was told by their staff that this is an error, that it should be corrected, but that the staff member could only make adjustment to 4 of the over 20 ill-gotten funds. They referred me to another department that agreed, apologized and then said I'd have to go to a physical location ( over 40 minutes away ). I called for 4 days to set an appointment, but their excuse was that they were training for the conversion. I went to the branch and then they made me set up an appointment to come back again. Their manager called me, agreed that everything wasn't right and sent me to their escalations team. She mentioned they'd call in 2-3 days. Over 14 days later I get a single email from their team, ignoring all of my previous correspondence, implying that I'm being sensitive and emotional on the matter, and they proceeded to say that they couldn't help because of the transition. Aka, " we know you're right about this, but ooops, time has run out ''. Absolutely not.
Frequently Asked Questions
What is Complaint #4802519 about?
Complaint #4802519 was filed against PNC Bank N.A. regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2021-10-12T12:00:00-05:00.
How did PNC Bank N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against PNC Bank N.A.?
Yes, visit the PNC Bank N.A. company profile at readthecomplaint.com/company/pnc-bank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.