Consumer complaint received 2023-08-17
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2023 I attempted to cash a check in the amount of {$4100.00} dollars at the PNC Bank located in XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Pennsylvania XXXX XXXX XXXX tellers name is XXXX XXXX at XXXX XXXX. 

The XXXX Assistant Vice President/ Branch Manager is XXXX XXXX located in the same branch in XXXX XXXX XXXX XXXX Pennsylvania There also was a 3rd XXXX XXXX  in a office that I did not get a business card from. She was also involved with this situation. 

I have cashed over 16 + checks weekly since XX/XX/2023 with PNC Bank along with cashing checks in XXXX PA my home. 

The checks have always had my name XXXX XXXX XXXX and i was always charged {$82.00} cents for Not having a PNC account myself. But I do have personal accounts and business accounts with numerous banks including XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX and a few others. I did present my State of Pennsylvania Driver License and XXXX XXXX card as ID The teller XXXX XXXX was proccessing the check and asked me had I cashed checks with the XXXX family before. I replied yes many times. I am a XXXX XXXX and Owner of 5 separate Businesses in the XXXX XXXX. 

The teller was writing on the computer for approximately 20 minutes. I am assuming she was typing some type of notes on their account for some reason. I have cashed thousands of checks in 27 states but I never had a teller typing while continually looking at the XXXX Check. I finally ask the teller was there a problem and she said nothing. She then proceeded to leave the tellers office and went across the room to talk with the woman in the office. After 15 minutes she cam back to her tellers office and answered the phone. At that time I called the customers daughter and explained that I was having problems with PNC trying to cash the check and could she please call them. I sat down in a chair next to me in the bank. 

As I sat down a XXXX man said to me, he hoped that i had a good check trying to cash it. Because next thing would be the police coming into the bank. I realize that I was being profiled and being discriminated against because I was XXXX XXXX American. I also realize that I was in XXXX XXXX XXXX XXXX and Republican I called the PNC bank office in XXXX PA since the staff was familiar with the XXXX family trust and me working on their home. The woman answered and I explained what i was dealing with and it was XXXX discrimination in my opinion. She said she would call the bank and see what the problem was. After 15 minutes she called me back and told me they had not given her a reason why they would not cash the check. 

I stood up and I overheard the 2 XXXX XXXX  talking and the one said to the other. That a employee had called from the XXXX PNC branch and verified their check and who i was. 

Neither on of them said anything to me at that point I had been in the bank for over 40 + minutes I asked the teller for the bank managers card Then I asked for the tellers pnc card. 
I left the bank with numerous XXXX people looking at me like i was a thief. No one in the bank apologized nor said sorry. I was humiliated and upset. 

I am consulting with 2 of the lawyers who represents us in XXXX and XXXX.

Company response to consumer: Closed with explanation