Consumer complaint received 2023-03-08
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
XX/XX/XXXX I contacted PNC bank and asked if I could initiate a Foreign Bill of Exchange at the local Branch. The Agent over the phone was not sure of the question thus repeating the questions multiple times. She the Agent placed me on hold and transferred me back into the que to be assisted by someone else so I disconnected the call and after four attempts I was placed on hold. I then spoke with an agent over the phone whom works at the local branch of PNC and asked if I could process a Foreign Bill of Exchange and she placed me on hold to confirm it and then returning to confirm that it could be done at the current location however, I would need to provide two forms of identification. The following day around XXXXXXXX XXXX I entered into PNC to file a Foreign Bill of Exchange, speak with someone about establishing a irrevocable trust fund account in addition to speaking to someone that could make amendments to an account that I opened to add it upon my XXXX XXXX statement. I was told to have a seat as the female teller never done it before and would therefore need the assist of her bank manager to guide her. I politely took a seat and while sitting XXXX other agents came to me to ask had I been seen due to the fact I had been sitting for more then 40 minutes. Another Employee asked what I informed her of my needing help with and she stated she did not know what that was but the bank teller XXXX could assist me as he know how to process the Foreign Bill of Exchange. I proceeded to the bank teller to process the bills of exchange. The Manger of that Branch XXXX XXXX proceeded beside the male employee ( XXXX XXXX and asked what did I needed assistance with. I again informed her XXXX what I needed to do. I handed her the negotiable instrument and ( Bill of Exchange ) and then stated to her I wanted to also open a irrevocable Foreign Trust Account and make some amendments to my bank account. She dismissed the last two statements I made thus handing me back the Foreign Bills of Exchange quickly saying oh we dont do that here I then said I called four times yesterday ( XX/XX/XXXX ) and was told that it could be completed at this location. She then stated that no PNC offers that type of service. I then stated to her that any member of bank can process it as it it a negotiable instrument and in order to dishonor the negotiable there would have to be fractions within the negotiable instruments as she did not review the Foreign Bills of Exchange however, quickly refusing to acknowledge it thus refusing to process it. I then informed her that PNC did in fact offer the services as the Federal Reserve accepted announced approval of its application on XX/XX/XXXX under section 3 of the Banking holding Company as PNC Bank holding company Register under the BHC Act, PNC is subject to comprehensive, consolidated regulation, supervision, and examination by the federal reserve. The Branch Manager then stated again with a more harsh tone WE DO NOT OFFER THIS TYPE OF SERVICE HAVE A GOOD DAY thus turning her back and walking away. She refused to assist me in honoring the negotiable instrument. I contacted the bank by phone and requested to file a complaint on Monday XX/XX/XXXX thus providing my contact information to an agent over the phone. XX/XX/XXXX I received a phone call by XXXX regarding the matter to which is at hand however I missed her call as she left a message and I was able to return the call but someone else assisted me who stated that she could assist me. She informed me she was from PNC bank executive client relations and I explained to her of what I was entering the bank to accomplish thus being discriminated upon and denying me the very right to process a Foreign Bill of Exchange. While on the phone with her ( I do not recall her name ) she made several statements that were alarming stating such as what lawful money is. And PNC does not take the liability of anyones debt. I informed her that her very statements she made was to be cautioned because I am aware of what a legal Tender of Payment is, what a fiat currency is and what a negotiable instrument is, in addition, PNC was not taking the liability of any debt as that was not what I came into the bank to achieve as her statements were implied as if I was attempting to defraud the bank. I then stated that The Bills of Exchange Act to which was established states the rules and procedures thus all rules and procedures were followed when the Bills of Exchange was created however, the branch Manager violated several codes that had nothing to do with race but the rights of individuals that were entitled to construct a foreign bill of exchange to resolve and settle any obligation. She then begin to state PNC followed all guidelines before quickly disconnecting the call.

Company response to consumer: Closed with explanation