Consumer complaint received 2023-07-22
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX weeks ago PNC was contacted about an account they had closed and the same account they have been previously reported on to lend credence to a prior complaint I filed and they responded to, that they were guilty of libel stating the reason for the closure was the use of inappropriate or offensive language. This is clearly not the behavior of an innocent party but of an institution that has something to hide. I have yet to receive the bank statements from PNC that I requested ; XXXX and XXXX XXXX. I am now adding XX/XX/XXXX. They have also falsely sent documents to a credit collector that I owed PNC over XXXX dollars after it was their employee who falsified records and took money out of a linked account. After being ordered to return it, someone decided to become creative and added false balances so in the end only {$50.00} out of the {$300.00} was returned when that individual caused overdraft fees to post to an account that they accessed over a false allegation that my account was frozen when it was active. He/she  also claimed a {$400.00} deficit on an account that did not exist prior if there was money transferred from the same account to the new account AND if it was in part returned making the allegations of a deficit a criminal act. This latest slight and PNC 's claim of conduct unbecoming as a reason for closure is nothing short of open racism and prejudice as financial institutions know they will be believed over the customer and abuse the power given for as long as they can. PNC 's regulations of code of conduct is a code of impunity that continues to defraud past and present customers based on reviews. However, it is not too big to fail. It is a XXXX-month cycle of harassment and discrimination levied against me that is personal and predatory in its bias. The checks will be returned after copies are made as they were deposited and rejected prior. I am thereby stating in writing that I will not succumb or allow the person or persons to continue the bigotry and hate by depositing another bad check. I know what was cleared and what was not. I asked for the same type of checking on the CLEARED accounts to be sent as a replacement and PNC has refused to comply to that demand letter sent. I am also requesting that this be sent to the regulatory body to prove that this institution is actively engaging in activities in direct and continued violations of a protected class and has behaved in a manner that I find both threatening and bigoted for personal gain t the financial expense of not one but TWO innocent parties to cover up a crime. I have always maintained and shown evidence of damaging behavior committed by this bank. PNC has not. They have changed their story several times, sent checks that will cause continued financial distress without refunding monies owed, lied about balances that if they were truthful would have resulted in records received, and not yet another complaint and now have again committed another violation under the FOIA act. This bank is racking up charge after charge and has made the victim who is not their customer, but a third party, suffer needlessly with deceptive business practices in order to undermine my integrity and, by refusing repeated letters of demand, is attempting to defend their actions by offending my intelligence. 

That said, this is a letter of demand that ( 1 ) the institution remove this false allegation of a debt that they invented by contacting the collection company, XXXX, file no. XXXX within XXXX business days from today, XX/XX/XXXX to avoid records of this act being sent to the agency as proof of PNC 's intent to defraud along with ( 2 ) a letter of confirmation in writing mailed to my address of their contact. I also ( 3 ) demand that a direct deposit/wire transfer be set up to deposit funds owed including those not received within that 3 day timeframe which is a reasonable accommodation request. ( 4 ) Records requested of ALL banking activity from XX/XX/XXXX to XX/XX/XXXX is to be mailed and confirmed also within XXXX business days or intent will be established as fact. ( 5 ) PNC is ordered to cease any further attempts to entrap and/or undermine my credibility and ordered to comply with the law including direct funding requests made on three separate occasions after invoking ADA rights and all repeatedly ignored. Since the checks sent has a routing number that proves they do wire transfers, refusing to do so is against policy, code of ethics, and an overt act of discrimination due to XXXX. I also have observed a disturbing pattern employed by the department in question ; all implicated in this incident are female despite having spoken to various males within the same. I believe this is not accidental but a misogynistic approach of intimidation by gender. Therefore I believe the guilty party to be male as they are typically less scrutinized and with higher positions than their female counterparts in the same field and therefore generally see women as 'weak ' and less likely to ask questions. I had requested at the time records from XXXX that can prove without doubt violations did occur and records tampered with having removed the link between banks before any records can be changed. PNC can be reasonably assumed to be uncooperative knowing that disclosure was sent in an attempt to resolve the matter previously. To delay after confirmation was made they will be sent is an indication of guilt. However, it is also a violation of Federal law. That means the original reason, not the secondary alteration is still intact. PNC was well aware of the wrongdoing of their employee and decided that their only recourse to avoid scandal was to create a situation of their own making. It has not only failed ; they chose to behave in an unprofessional manner toward a third party and not their intended victim. There are now TWO witnesses to their actions. Replacement checks from PC are in violation of a request that the same account and routing numbers be used. All banks have different accounts, The excuse that was given when I contacted them on refusing to comply, but the customer should not be insulted to the degree that it is assumed the different accounts are not for specified actions. Yet PNC did just that. Consumers are also well aware of the dreaded internal email made evident by long pauses between question and answer and it is unfortunate that their employees chose themselves over the law. Doing so, gave weight to the opinions of their value in the workplace and certainly worked against them in advancing their own careers. But I digress. This is now the XXXX demand letter of non-compliance. 
The checks will be returned as this violated the previous demand agreement and am without doubt that if deposited they too will be rejected. PNC 's continued treatment of customers who are receiving 100 % of their income from XXXX should not go unpunished or unnoticed. I am going on record to inform PNC that I will not be giving any reason to make their false claims of offensive language stick. I will lodge all my dissatisfaction and discrimination on this site and you will be dealt with through intervention only. In short, you will need to get your evidence on my conduct the old-fashioned way. I am very well-versed in the game being played here and why. PNC in refusing to do the right thing, in the continued mailing of rubberized tender, using the exact information that was rejected on a prior attempt to deposit forcing that account closure, in a dangerous and twisted attempt to undermine my credibility and nothing more and is now placed on notice. Doing so and closing a second account by their direct involvement also means they have no future access to it either and only solidifies my case as I have the direct link of their actions and the reaction it caused. I am certain the intent of PNC was not to clear my name as a victim but the end result proved just that. Unfortunately, banks do not reverse closures despite their claim but the industry through submissions like mine is changing. PNC has only strengthened my claim of discrimination with intent to defraud, slander, libel, violations of my civil rights as a consumer and citizen, and refusal under ADA law to several accommodation requests of direct deposit of funds after their check was rejected. It may even be classified as a hate crime. What it will NOT be, is successful. One or more of their employees committed conduct ethically unbecoming at a minimum and no amount of internal emails sent to offer no assistance will work in their favor. I will continue to fight indirectly and in a professional manner in writing to avoid any further slanderous accusations levied that describe perfectly their own conduct of manipulative and abusive behavior towards the public at large by refusing access to their own funds. I will also like to add here that the information on the accounts was NOT changed until they were forced to split the check via a letter of demand. It was only in response to the demand that the routing and account numbers became different. The original check, saved for my records, and in anticipation of discrimination later realized, had DIFFERENT account and routing numbers, the kind in all my checks that were accepted and cashed. These new numbers started after numerous phone calls to split as it was too large to deposit, were met with statements suggesting money laundering ( layering ) was in play by Verizon/Sedgwick . It is clearly and provable case of retaliation by PNC employees and I hope someone in one of these two institutions sees this posting claiming checks can not be split because it is 'layering ' when it could if it subsequently was. I am happy to post numerous emails sent by PNC and letters kept of their lies in written form. I will do so after day 3 to this or the governing body if no agreement to a wire transfer is made by PNC but there will be no entrapment via calls made when they are fully aware having spoken to that third party and continuing the harassment.

Company response to consumer: Closed with explanation