PNC Bank N.A. Credit Card Complaint

PNC Bank N.A. Credit card department,

Closing/Cancelling account Ohio

I had a checking and savings account with PNC for around 4 years. I also had a revolving credit card ( card where you put down money as collateral, in my case $300.00 ) While at PNC I experienced having to pay to take my money out of my savings account, unforgiving overdraft fees, and all together lousy service. I was stuck with them though because they were the most convenient option given where I lived. On to my complaint. When I moved across town, I switched banks and went to close out my accounts. Checking and savings were closed just fine. To close my credit card account, I had to pay the full balance of the card which was $380.00 minus the $300.00 that I had put down on the account. I was dealing with a banker, not a teller. I handed over the $85.00, and was not given a receipt, but I was told it would all be taken care of.


account and see the same banker I had dealt with. She remembers me and after I explain what happened, she calls customer service and files a complaint. I get a call 2 days later from consumer complaints and I am told that my agent will investigate the records from the branch in Ohio that I dealt with for the $85.00 that I had paid when my account was closed. A couple days later I get a call. She did n't find anything supporting my claim, and that I have to pay the balance in full. ( The date of account closing and final balance on card are approximated, after many phone calls, and records showing different amounts. This is because I NEVER RECIEVED A RECIEPT ) What does n't make sense to me is why in the world would I close all of my accounts and ask for my revolving credit card to be cleared of all charges except the $85.00? What kind of - would allow me to do that? Why would they refund my $300.00 dollars and keep the account open, without any collateral? I have been very patient. I put up with a lot of ABUSE and have paid E-ORBITANT FEES in my time with PNC. To me this is just another in a long string of UNFAIR COLLECTION PRACTICES.