Consumer complaint received 2020-10-31
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Thursday evening, XX/XX/2020, I went to make a purchase and found that was my card was being declined. I was certain that there was hundreds of dollars in my account, so I attempted to log in to the mobile banking website and received an error message saying that my online privileges were revoked and I should call customer service for assistance. I called the next morning, XX/XX/2020, and was told by an representative that my account has been put on hold be cause of a deposit that is being reviewed, they asked me if I had any information about the deposit, and I let them know that I was calling in to find out this information. The representative said that they dont have any other information to share with me, however I should expect a call-back in 2-3 days with more details. I waited until Monday, XX/XX/2020, but I did not receive any communication from PNC, so I called back. They told me the same thing, that my funds are being held because of a deposit that is currently under review, but I should be receiving a call-back with 1-2 days. I waited until, Wednesday, XX/XX/2020, but I still had not received any communication from them, so I called back. This time I expressed my compounded frustration with my account being frozen without notification or explanation, and their incompetence regarding communicating with me about this situation. Nonetheless, they continued to tell me that the only information they could provide is that my funds are being held because of a deposit that is being reviewed by local law enforcement, however I should receive a call within 2-3 days with more information. I waited until Friday, and still did not receive any more information, so I called in again. to complain about how I have to maintain communication with them as if I am the one that is obligated to provide customer service in this situation. Additionally, I complained that we are in the middle of a global pandemic, and my funds have been frozen without any information or details given to me, this is extremely dangerous, and inconvenient and I let them know I must be compensated for this egregious offense. The escalated my issue to a Customer Service manager, but they continued to tell me that there was no other information that could be shared, other than the deposit is under review by local law enforcement. I had this representative look through my recent account transactions from XX/XX/XXXX - XXXX, 2020 and there was nothing unordinary listed. The funds that PNC has frozen were deposits from my savings account, and unemployment benefits. I told this representative to make note of this, and that this bank has made a overwhelming mistake by freezing my account erroneously and they will have to compensate me for my losses and inconveniences because I am not able to pay rent and bills because of this discrepancy. I waited another week and have not heard anything about my funds of approximately {$1200.00}, that are still being frozen. I called in yesterday, XX/XX/2020 however the conversation met the same conclusion. I am done trying to beg them to release my funds that should not have been frozen in the first place, so I am filing this complaint.

Company response to consumer: Closed with explanation