Consumer complaint received 2023-03-05
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Consumer Complaint Division Re : PNC BANK Debit card declined ; account was blocked for {$880.00} ; ENOUGH FUNDS in the account ; bad customer service ***Updated this letter as of XX/XX/XXXX - I initially filed a complaint to FDIC XXXX they said they will forward this to you but I just filed it in your website anyway. 
To Whom it May Concern : On XX/XX/XXXX, I went to the USPS to purchase a money order worth {$880.00} ( for my boyfriends rent ) My debit card was declined even if I was putting the correct PIN and I did not tell them to block or put on hold ANY amount of withdrawal from my account. My account has ENOUGH money to cover the {$880.00} withdrawal and I was able to successfully used my debit card from the previous month - same amount. My account suddenly is blocked. Called PNC customer service number ( waited 45 minutes and wasted my lunch time FOR NOTHING ). After work ( another time wasted here instead of me resting at home ), I went to my bank branch ( XXXX XXXX XXXX ) I ranted to the manager XXXX XXXX ( To be honest, she is the only one that has helped me here ) She gave me a new card ( apparently what I had was old in which they should be tracking ). By the way, I also tried to use their chat to resolve this call back from a manager was 3 days!!! never happened too! 
A certain XXXX XXXX. ( Case Manager, Retail Support ) called me, left a VM and emailed me last XX/XX/XXXX. Called her back twice and emailed her back NO RESPONSE, NOTHING. 
Fast forward to today XX/XX/XXXX, another rent day for the boyfriend. Went to USPS to purchase the same amount of money order, Debit Card declined, called XXXX and she said it is showing blocked and let me fix this for you. Took a good 30 mins. ( another lunch time wasted ) the resolution is TBD because I am writing this formal complaint before I step out - update XX/XX/XXXX : I had to go back to USPS the following day for the money order, my account was unblocked. Again, the time wasted here in order purchase a money order. 

Unfortunately, this is my horrible experience with PNC Bank. They do not have an email for me to send complaints to they have their phone number in which you will be placed on hold for 45 minutes and not resolving anything. Plus the chat that does the same thing, nothing. 
As of the moment, I want to start processing on transferring most of my money to another bank - depending on the outcome of this complaint. My time was wasted here and the payment for my boyfriend 's rent ( anybody 's rent ) is very time sensitive. 
This is definitely NOT the service I expected. I have been with them for a good 6 years and unprecedented lack of service is just too much ( with the exception of XXXX XXXX ) - XXXX XXXX is offering me {$600.00} credit to my account IF I open an account with them with {$15000.00} and keep it there for 90 days. I want {$600.00} from PNC credited to my account if they want me to keep my money with them. 
I look forward to your reply on this complaint. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation