I tried to close my checking acct with Santander in XXXX 2015. Unfortunately there was an ACH transaction that went thru a few weeks later from an acct I did n't realize was still active. Santander paid the request & charged a {$35.00} fee. I called the main XXXX # & was told that there was nothing they could do about the fact that even though the acct was " closed '' an item was presented so the fee was valid. I deposited the money for the transaction into that acct & spoke with the bank mgr about the fee which she agreed to waive. I asked why they could n't just fully close the acct & make sure no payments are made against it & was told, " that was not possible '' but to " watch '' the acct & usually after a few months of no activity the acct will " convert '' to a closed acct. Well it 's now 10 months later & unfortunately XXXX checks inadvertently written from an old checkbook that had those accounts checks still in it were presented for payment, Santander paid them & charged {$70.00} in fees. I deposited money to cover the checks & asked the manager to waive the fee. She said " they did n't do anything wrong & the fee is valid ''. While I realize the checks were written & presented I ca n't fathom why after all this time & a request to close the acct they are still paying items presented to them & thereby able to charge me a fee. If the acct had been closed as I requested multiple times & then Santander denied payment, especially after 10 months, I would understand. I would be responsible to the parties to make good on the checks & any returned check fee they were charged. That makes sense. But instead they wo n't close the acct & will continue to pay items presented. I have no way of knowing if this acct will actually ever be closed. It is 2015, I do n't understand why they can not put a check flag in some data field & close this acct. I resent having to pay them a fee because they ca n't make this simple thing happen. Do I have any recourse or am I resigned to paying the fees forever? 
