What should I tell bank

You need to go to you bank branch and explain to them that these are fraudulent, unauthorized charges. Also explain that you closed your account to prevent these charges from taking place.

Many banks will allow new transactions to "re-open" an account, hence your charges. They should reverse those when you explain the situation. If they don't, you'll need to speak to the branch manager.

I had a closed account get reopened just after 48 hours from when I closed it because the ACH revocations I had sent it were disregarded. The branch manager had assured me, personally, that the accounts would be closed and no one would be able to reopen the accounts in question after the first 48 hours had passed.

When the transactions posted, I wasn't immediately notified. However, a teller informed me about the transactions when I was depositing my paycheck into my new account and cashing out for the weekend. I was told that the branch manager would have to review them. I called into Customer Service that night and was told that since the manager returned the items, the account would not be reopened. Any further transactions that would go against my account would be denied.

This is with PNC.

Ok so just so I'm straight I need to tell them that these are unauthorized charges, but if they look into it wouldn't they find that technically I did authorize them?

But, did you not revoke their authorization?

What do you mean? I sent them the letters that I found here. Is that what you mean?

To the original poster:

Did you contact your lender(s) and revoke the ACH agreement you had in place with them? A phone call won't do - you must put your request in writing and at the very least mail it in via USPS Certified Mail. Optionally you can fax and e-mail it to them as well.

What was in your letter? Did you also revoke any wage assignments?

Was a copy of the letter provided to your bank (optional) and your employer?

I emailed it to them, I didn't give it to my bank. Should I bring a copy with me when I go tomorrow?
I'm still not clear tomorrow when I walk into the bank and ask to speak with someone, I tell them that these ach debits were unauthorized and that I had revoked their right to with draw money from my account?

Bring a copy of the email to your bank showing them that you revoked your authorization for these debits. If you used the template letter here, there should've been language in there that states you "revoked ACH authorization." You've got it right. Tell your bank exactly that!

Ok thank you for your help. I just wanted to make sure other people have had succes with keeping closed account closed. Has anyone had any success with getting the nsf charges reversed or anything like that, or am I lost as far as that goes and I'll have to pay them.

My bank reversed all NSF charges for me.

Thank you again for your help. I printed out the letters I sent to the pdl's and they defintiely say on them that I Revoke any and all ach authorizations. So hopefully the people at the bank will be able to help me.

And also anyone who does read this who had any expeirence dealing with this situation dealing with citibank and has any info or advice it would be greatly appreciated.