Consumer complaint received 2023-08-07
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
As PNC claimed falsely that they addressed the matter before in a move to avoid culpability I am filing a NEW reason to hold this institution accountable. In fact, PNC was asked to MAIL THE STATEMENT AS REQUIRED BY LAW UNDER FOIA. They did not. They were also asked to send a wire transfer and given the bank info deposit account. THEY DID NOT. They then 'claimed " the matter was previously filed when it wasn't because they are well aware that the CFPB lacks the resources top scrutinize every document. I am also sure they hoped that I will not follow up on their response. At the very least they are more guilty than ever and thankfully the police as time goes on, will see how they manipulate the system. To address their claims 1. THEY DID NOT ADDRESS ANY OF MY CONCERNS about DISBURSEMENT AND CLOSED THE MATTER MAKING FALSE ALLEGATIONS they know will not be validated or verified 2. DOCUMENTS PNC in what can only be called deceptive business practices, did upload without my contact documents of statements from XXXX. EXCEPT the XXXX were in the correct PDF format. The rest that included the period in question were intentionally encrypted, as not PDF, and could not be viewed. That means if later down the line it can be, one can reasonably assume alterations took place. That said, and what I am sure will be to their surprise, it was more than enough to clear my name and prove libel did happen. The sheer audacity is conclusive, they do NOT encourage diversity and most certainly are VERY aware of how to manipulate the system to suit them and failed 3. LETTERS OF DEMAND. PNC again claimed falsely that complicity occurred when it was anything but. What happened was stonewalling through internal emails. Once I recognized their response was unethical, I contacted the OCC about their response and requested record checks as well as informed them of a new filing. I was told they submitted an answer today. They were also told I am doing a NEW complaint as the collect letters keep coming in. PNC has NOT complied NOR addressed a single point in the letter including : ( a ) Despite given the info, no wire was received and PNC continues to deny access to SSDI income in violation of my reasonable accommodation request ( b ) ) PNC were also refusing to comply to a hard copy request of my statements for the period as claimed ( c ) PNC closed the dispute by claiming they addressed the previous issues falsely. They have instead done nothing but commit more crimes by intentionally sending the SAME checks after XXXX already deemed in WRITING they are altered 4. PNC 'S RESPONSE. Despite the deception now downloaded that demonstrates clear intent, the account in question, through THEIR own statement was a RESERVE account with NO OVERDRAFT PROTECTION. That statement was XXXX PDF statement. As it is their doing, PNC, overconfident that playing with the lives of consumers past and present is a sport, and certain it was safe to send only these in the correct format of PDF has inadvertently PROVEN employee fraud. And evidence of it can now be third-party and the best witness of indisputable character is CFPB themselves. One can be assured nothing else needs to be done after this by me but I will continue my civil obligation to the public at large and not back down. 

5. Harassment. PNC based on the above and continued refusal to comply with both letter and law is engaging in a cycle of destructive intentional behavior. They have attempted to malign my credibility with allegations of their own. One caveat ; NO ACCOUNT CHANGES FROM RESERVE TO PRINCIPAL ( direct deposit included CHECKING EVER! And I will add I have confirmed with the employer that no change request took place. The XXXX therefore that is on this account is conclusively false on MY END. It is a fraud! They have continued to lie and worse, could simply have wired to money owed, including an additional XXXX XXXX unsent transfer and the matter would have been resolved. INsted they CHOSE slander but I am certain they have no answers for how my account staements for that period has TWO DIFFERENT statements for the SAME time period despite their efforts to hide the evidence. Who changed the reserve? Not I. There are only two options. The coverup covered up nothing when it is you posting it for the world to see what happened had to be true. The funds withheld therefore also prove bias. I suggest strongly you now cease and desist your continued choice to be prejudiced. It is an ugly engagement of PNC 's lack of decency toward the customers reading this 6. PNC themselves have proven who has been telling the truth and who is lying. Keep in mind they, not I closed the accounts. There was never any money in that account up through as they said in submission XX/XX/XXXX. They closed my account on XX/XX/XXXX too soon for any direct deposit change of account aka XXXX to XXXX as checking nor is there any paperwork supporting any changes made. Or do I not know my own account? Enough is enough! Therefore how did a reserve with XXXX overdraft protection get overdrawn? I hope PNC is proud of the havoc they have done as they continue to lose face while with INTENT, lie, withhold income and now VOLUNTARY show evidence themselves of their own computer/civil trespass though clearly not aware of the significance. I WAS DISCRIMINATED AGAINST and no printing of policy can dispute it. They could and should have tried to resolve it instead of changing my bank records only to expose the change. I can say that was satisfying and hope others also persist when wronged to stand their ground. 

7. PNC INTENTIONALLY has refused to deposit MY money in violation of XXXX SEPARATE DEMAND LETTERS issued unlike their claims sent. 
 8. DISBUSEMENT. PNC, in its letter closure, has given what was most important. They have upheld my integrity by not addressing the most serious allegations including : ( a ) The checks they mailed were authentic ( b ) XXXX XXXX amount of {$250.00} was in fact returned after sent XX/XX/XXXX according to XXXX XXXX ( c ) wire transfers could NOT be done and that was why they did not comply ( d ) no crime was committed and the routing/account IS the one on ALL checks I received prior.

( e ) There was no trespass They have stated only what I alleged but failed to address a single claim made as untrue. It is a most glaring omission that leaves nothing to be said. Establishments would have fought vigorously if they truly believed I was slandering the business and PNC 's repeated failures to deal with the matter, only repeating my claim can not be more clear. It also shuts the door on it now being addressed at all if not defended at any time over the last XXXX months. Understandable when paragraphs one AND two detail the CORRECT accounts and MY claim, paragraph XXXX, bank policies, though none were observed, and XXXX, nothing at all. Again false if the checks were resent in my previous complaint and NOT corrected, what is XXXX is the crime itself. You easily could have resolved the matter with the correct numbers as requested TWO DEMAND LETTERS AGO. You resent the SAME checks, you failed to address the checks in the first complaint which prompted a second so the claim is an outright LIE! You callously displayed ethical crimes and ADA ones as well then brazenly claim they were addressed while still continuing to address nothing. How this bank can think prolonging these complaints will make them look anything but guilty is dumbfounding  but it is exactly what they are doing while exposing their practices to more and more people. It is a belittling of the public at large as XXXX  when the public is paying their salaries. It's a blatant insult but underscores how workplaces allow with escalating regularity, gross employee misconduct by failing to swiftly act to protect their customers. What is demonstrated is they act to protect the employees only.

Company response to consumer: Closed with explanation