Consumer complaint received 2021-04-16
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I initially started this process on Wednesday, XX/XX/2021, however due to circumstances, I was able to complete this process today, XX/XX/2021. 

My Experiences with PNC XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX I have had a bank account with PNC for years. The last four numbers of the account number is XXXX. 

There are several issues and concerns. I am writing about most significant ones in this process. 

1. PNC does not process and post transactions in a transparent way, that can be verified by me, the consumer.

2. PNC punitively delays processing and posting transactions in my account.

3. PNCs policy of a supervisor or representative returning a phone call in 24 to 48 hours is insane! When a customer has a serious issue with regards to bank activity, the bank should make yourself available to speak to the customer immediately.

4. PNC delays responding to my concerns via the callback within 24-48 hour narrative.

How would bank officials like their checks to be delayed posted and or processed for 24 to 49 hours after the official expressed a concern about the check amount? 

I have experienced and documented PNC deliberately and intentionally not providing full identification and disclosure of, delaying processing and posting of transactions within my account, money taken out of my account fraudulently by PNC Bank, and PNC Bank doing punitive acts of denying me access to an online banking account that I had with PNC. 

That PNC closed my online banking account and then requested and required that I give them total access to my phone, all my data, photos, contacts,? To reopen the account is horrific. 

After I denied PNC access, they denied me access to online banking. They then flipped the script to appear as though they did not deny me access to on line banking. 

Their narrative was that I could access online banking, IF I agreed to allow them unlimited access to my phone, data, contacts, etc. I refused. Therefore I do no longer have online banking service with PNC. 

With the only access I have to my account being voice mail, and recorded phone calls, I experience PNC punitively delaying processing and posting transactions in my account. 

Delay of processing and posting to my account on several occasions and of late, has become the norm with PNC. PNC Bank, delaying processing and posting transactions in the account, and their gangster bankster policy, narratives and practices MUST STOP! 

I stopped using PNC online banking several years ago because without my direct knowledge and or consent, PNC closed my on line banking account. 

When PNC offered to reopen online banking access to me, they had a list of demands of me, for them to reopen the account that they closed. 

Included in their demands was that I give them unlimited access to my phone, all my documents, data, photos, etc. 

When I refused to grant them access they requested, they refused to allow me to reopen my online banking account that they had closed. 

I opened an account with XXXX Bank and have online banking service with XXXX Bank. 

It more appears that PNC and XXXX Bank are collaborating, coordinating, communicating, and working together and are accomplices in what amounts to manipulation and control of my finances, access to my finances and manipulation of processing and posting transactions. 

On Monday XXXX XXXX, XXXX online banking that I have with XXXX Bank, I transferred {$35.00} and {$100.00} from PNC to XXXX Bank. 

Neither PNC nor XXXX Bank posted those transaction ( to me ) as processed until Tuesday, XX/XX/2021. XXXX Bank posted the transaction, PNC had not. 

XXXX Bank posted the transaction in my online banking account on Tuesday. 

PNC had not posted nor processed the transaction via their voicemail system. 

PNC did not post nor process those transactions until, Wednesday, XX/XX/2021. XXXX days after the transaction at the very moment when I transferred the funds FROM XXXX Bank, today Wednesday XXXX XXXX. 

I called PNC today, Wednesday XX/XX/2021 and spoke with XXXX. After I expressed my concerns the call was abruptly disconnected. 

I called a second time and spoke with XXXX. She stated that PNC doesnt process transactions until they are given a receipt. 

I called PNC a third time and Niar, refused to allow me to immediately speak with a supervisor, stating that she would, Escalate a complaint and a representative would contact me in 24 to 48 hours. 

PNCs do dirt and delay speaking about it tactic has been recorded and documented by other PNC customers. I experience their tactics. 

I have repeatedly called PNC and articulated my concerns with their tactics on recorded phone calls. 

They think and have written their policy that if they record the phone call, they talk sugar honey Ive tea, If and only if they record the call. If they are informed that the call is recorded, they immediately hang up the call and refuse to speak their sugar honey ice tea narratives NOTE : PNC XXXXecords calls for quality assurance and training, however If informed that the call is recorded, PNC representatives immediately hang up the phone, so that their rudeness, crudeness and shrewdness is not documented to prove the exact nature of conversations that a customer has with PNC. 

I have repeatedly told PNC that I do not complain. 

Their system identifies expressions of experiences to PNC as complaints. 

I have given PNC many opportunity to self correct, they refuse. 

After, having expressed to PNC my refusal to allow them car blanc access to my phone, data, contacts, etc., PNC voice mail system, seldom fully identifies all merchants, and their system delays processing and posting transactions that cause and or potentially cause my account to go into overdraft status and or in some sort of punitive way, my account gets hit. 

When I call PNC and ask PNC to identify merchants, their response is that they will escalate a complaint to which, to this very day, they have done nothing. 

At one point in time they did identify every merchant. They stopped and now, their system XXXX banksters. 

They still do not fully identify each and every merchant via their voice banking system. 

Their lack of transparency with regards to what they are doing, has been documented in other complaints lodged against them. 

I have waited for years for PNC to self correct. 

Note that XXXX  judgment is upon the earth, XXXX  judge and exact justice! 

I am requesting that an independent investigation of my specific PNC account, and other PNC accounts throughout their system of ALL XXXX and XXXX  people, be conducted. 

I am requesting that PNC immediately cease and desist from delaying posting and processing transactions in my account. 

I am requesting FRB, FDIC and the Securities Exchange Commission to investigate my claims and monitor my account with PNC. 

I am requesting that PNC return every penny that PNC has falsely taken out of my account over the years y that I have had the account with PNC. 

I am requesting PNC to immediately respond to my concerns, given that PNC online banking services are not accessible to me. 

In the past, PNC regularly took money out of my account with fake transactions that I did not authorize nor agree to. 

At the beginning of that time I was in XXXX, Delaware and had been hospitalized. There was thousands of dollars taken out of my account by PNC. 

At this point, I have, do and will continue to document my experiences with PNC. 

After giving PNC opportunity to self correct, I have made known to my XXXX XXXX and now am doing so to you, what my experiences have been and have continued to be. 

The majority of people I see, employed by PNC have been white peoples. Most of whom, are system soldiers, who act privileged and or disrespectful in a nice/nasty way. 

On the same day, XX/XX/2021, that I had the rude experience with the three XXXX PNC phone center representatives, I went to a drive thru and made a request to a XXXX male teller. 

He apparently gave the task to the XXXX  female to process my transactions, without saying a word to me, that he was not doing the transaction. 

I sat and watched every car that was in the drive thru, get served and leave as I waited for the transactions I requested to be processed. That happened right after I had called and spoken to the three call center reps, who recorded, and post calls, complaints, etc. in their records. 

I am making known my experiences and concerns to the banking regulatory authorities to investigate and settle my claims. 

Because XXXX  is my XXXX XXXX, I do not fight men and people. XXXX fights all my battles and XXXX  REIGNS! YHWH does! 

PNC, has been given opportunity to self correct. 

With XXXX  judgment upon the earth, it is wise for PNC to self correct. Because the toxic social, economic, and political is being exposed and ridden from the earth, as XXXX XXXX come, before XXXX  Judgment and justice is exacted against PNC, All banking, and regulatory agencies are given opportunity to ensured our are doing what is right, good and true as you investigate, judge and exact justice. 

All will and are being judged and justice is served! 

XXXX, XXXX XXXX XXXX Reigns!

Company response to consumer: Closed with explanation