Consumer complaint received 2019-03-29
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
To Consumer Financial Protection Bureau TO WHOM IT MAY CONCERN RE : Complaint against the PNC Bank NA., Transection Code # XXXX Dear, CFPB Authority XXXX I am a victim of fraud and scam. I wired {$32000.00} from the PNC bank, XXXX, MI to XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX ) on XX/XX/XXXX at XXXX XXXX EST. The transection Confirmation number # XXXX. After the transection, within the 5/10 minutes I realized that it was a mistake and immediately within 15/20 minutes I went back to the Bank. I asked Mr. XXXX, the banker who completed the initial transection to cancel my wire transection. 

Mr. XXXX, denied the cancelation and dismissed me. I was in XXXX and felt XXXX XXXX XXXX XXXX. I was heartbroken and distressed and disappointed. The banker did not help me nor advice me what should I do. Then I went back to my home branch of PNC in XXXX, Michigan. I was denied the service and been mistreated by the local bank manager as well as. lack of professionalism and absent of professional conduct and dismissive towards me was most challenging than my financial loss. 

I was dismissed and discriminated on my rights to cancel within the 30 minute clause that was printed on the receipt. Meanwhile we been to few different PNC branches location to seek help. I demand that the PNC would be investigated for breaching the contract of " 30 Minutes Clause '' as well as their " Punitive & reckless action of denying my federal rights of Consumer Protection '' After 2 months of battle between me and the PNC bank I was denied any legal help and service and I received email from them that they can do nothing about the funds. Also the executive top officials informed me that they are not responsible for the funds. I understood, that I was given a receipt which clearly states that, I quote " You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. '' Me, my family we suffered just not only financial hardship but the added reckless treatment from the PNC, a corporation of financial industry 's discriminatory dismissive unreasonable conducts which is a violation of my " Consumer Financial Protection rights '' a federal right reserved by the Bureau of Consumer Financial Protection. 

Here are the five claims against the PNC I am seeking justice from : Claim ( 1 ) Breach of Duty : # The PNC Bank know or should have known that the transection is cancelable and fully refundable as long as the a consumer cancel any transection within 30 minutes, unless the funds have been picked up or deposited. 

Merit of my claim : On XX/XX/XXXX at XXXX XXXX, I XXXX XXXX completed the transection and I was given the receipt. I left the bank immediately and I realized the transection is not good for me and I need to cancel the transection. I sat inside my car and I didn't know what to do but after checking the receipt and speaking to my family I was advised that I should go back to the PNC Bank and request for the cancelation. I believe at around XXXX XXXX- XXXX XXXX I went back to the same bank cashier ( Mr. XXXX ) and asked him to cancel the transaction and I asked for refund of {$32000.00}. I was dismissed and denied even I had the receipt and I went there within 30 minutes. As because their reckless disregard action I was denied my federal " Consumer Financial Protection Rights ''. The PNC Bank must be held libel for their federal violation and must be compel making sure they do not deprive any one again in near future. PNC Bank has a Duty to perform and follow the contract ( the receipt ). PNC Bank was being negligence. PNC Bank breached the duty and that caused the damage of my {$32000.00}. Therefore, they should pay me back {$32000.00} and nay other incurred amount that would be added for the time from XX/XX/2019 until the refund.

Claim # ( 2 ) Punitive Damages to deter the wrongdoer : A claim of Punitive damage in nature against the PNC Bank to uphold the federal standard of Consumer Financial Protection.

Merits : As a client of PNC Bank I was mistreated, I was dismissed, I was denied my service, I was denied my rights, I was bullied and discriminated by the PNC banking System. PNC created a total XXXX XXXX and financial hardship from their misconduct and misappropriation of funds and the suffering of Infliction of XXXX XXXX causing by their punitive nature in conduct.

The bank Manager of XXXX Branch discriminated me when I went to resolve the issue. I was denied my consumer protection right at the initial bank where I made the transection. Matter of fact, I was un welcomed and the manager did  not even offer me to sit and did not allow me to enter his room, it was a total disrespect, unprofessional and mistreatment from a corporation like PNC BANK NA., ( Corporate headquarters at XXXX XXXX XXXX, XXXX XXXX PA XXXX ) and their local branch in XXXX  XXXX XXXX MI, USA . I demand a judgement for Punitive damage. I demand and claim that making sure in future, not only PNC Bank NA., but also any other financial corporation do not mistreat and misappropriate when it is consumer rights. This is so important for the public policy and to up hold a very consumer federal rights I am seeking this punitive damage for the purpose of deterrence. 

Claim # ( 3 ) Intentional Infliction of XXXX XXXX : Intentional Infliction of XXXX XXXX : Since XX/XX/XXXX I have been suffering from XXXX XXXX. The XXXX of XXXX XXXX ( XXXX ) caused by the reckless financial action and conduct by PNC Bank and it's employee. The PNC Bank have a duty to safeguard the clients and their financial status as long as permitted by the rules, regulations of federal and sates codes and statues. In the entire time of past 10 weeks, my family and I, we as a family been deprived from the financial freedom and added the XXXX XXXX causing me emotionally impaired. 
Merits : I am having XXXX XXXX, I am having lack of sleeping, I am having loss of appetite, I am having lack of confidence and overall I am dehumanize by the PNC Bank and it's employees. I assert that PNC bank is solely responsible for my XXXX XXXX. I demand Justices and seek remedies. 

Claim # ( 4 ) Negligence Claim : Merritt : PNC Bank and it's employee had a duty to refund me the full amount of {$32000.00} within the 30 minutes of cancelation and they denied me from my service and rights. As a financial organization and a corporation their duty is higher than any individual and the employee of an organization is treated the representative of the PNC Bank, therefore the PNC failed to follow XXXX simple direction which is their negligent action and such conduct of negligence should not be tolerated due to the public policy and because of their higher burden of duty, it's very clear and convincing that PNC Bank NA was negligent in their action on XX/XX/XXXX. Therefore, The PNC Bank NA., should be found liable for negligence claim against their corporate misconduct and employee misappropriation 's of clients ' funds. 

Claim # ( 5 ) Consumer funds misappropriation Merritt : The PNC bank NA failed to properly handle its client 's funds and still today I have no knowledge and idea when and how I will be able to get my money back from the PNC Bank NA., or not. It is clear and there should be no doubt that PNC Bank misappropriated my funds whereas the cancellation of the transection would be fairly a norm and easy process, yet I was denied that simple process and I met the requirement of full refund which is a 30 minutes window of cancelation. I demand that PNC Bank must answer to the federal authority for their consumer funds misappropriation. 

Conclusion : 1. Breach of Contract ( Violation of 30 Minutes window ) : I demand full refund of {$32000.00}.

2. Violation of Federal Consumer Financial Protection Rights : I demand Punitive Damages & establishment of Public Policy.

3. Intentional Infliction of XXXX XXXX : The employee 's action was so reckless and dismissive on purpose and volitional that caused me and I sustain Emotional Distress. I seek torts claim against the PNC Bank.

4. Negligence Claim : Due to PNC Bank 's negligence action I sustained financial harm and still I am suffering from their negligent conduct. I seek negligence claim against PNC Bank NA., and it is clear and PNC banks negligence caused me all the harm and mental and emotional tortures and suffering.

5. Consumer funds misappropriation : PNC Bank NA., has misappropriated my funds, sums of {$32000.00} and they must be hold accounted for. I demand full refund of my funds plus the bank should be held liable for their action as well as they must be deter from the future conduct of " Consumers ' Funds Misappropriation ''.

Request for Relief : Please advice me how I can get my {$32000.00} back and the government must take appropriate action to deter PNC Bank from future misconduct and misappropriation that I seek punitive dames and remedies for all above claims. 

Thank you. 
( Victim of a Corporate Misappropriation and violated my federal Consumer Financial Protection Rights )

Company response to consumer: Closed with explanation