Consumer complaint received 2022-04-14
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I alerted PNC bank representatives of suspicious mail correspondence from PNC bank demanding information I already provided in person to establish my PNC account from XX/XX/2021 to approximately XX/XX/2021. 
I received multiple PNC bank correspondence demanding disclosure of my personally identifiable information ( PII ). The PNC correspondence threatened my account would be closed ( AGAIN ) if I did not provide the information : The PNC Bank Notice Cited law : Section 326 of the USA Patriot Act to obtain records and directed me to disclose/verify the following ; My legal name, Residential address, Social security number, Date of Birth, Citizenship Status, and Government Issued Identification. I reported the suspicious activity to financial institutions, law enforcement, and investigative authorities at the local, state, and federal levels. I reviewed my records and checked for fraudulent activity and had to subsequently close multiple accounts. I contacted the credit bureaus and confirmed their was a data spill.I reported personal documents missing to law enforcement. I resubmitted payments because my transactions ( XXXX Car Payments ) appeared to disappear from my transaction ledger with PNC bank. I review my transactions with PNC Bank representatives in person at a PNC Bank. The USPS correspondence from PNC Bank stated " Please contact us [ PNC Bank ] at XXXX ( XXXX -- this number does not appear to be PNC bank ) to verify the accuracy of our records within 10 business days of the date on this notice. If you do not respond to this request within 10 business days of the date of this notice, your account ( s ) will be closed '' BACKGROUND : According to PNC Bank 's customer agreement : Customers are responsible for providing true, accurate and complete contact information, including a valid address ( postal OR email ). Customers are responsible to promptly notify the bank of a change of address by postal mail, electronic mail, in person, by phone or through On Line Banking. 
According to the customer agreement/disclosure PNC Bank is NOT responsible for investigating whether or not the customer changed contact information. 
This is the 2nd letter I have received from PNC bank threatening to close my account. I have provided true, accurate, and complete contact information to institutions from the onset of business agreements. The local, state, and federal Government to include the United States Postal Services, and other financial institutions recognize my address to be true, accurate, and complete. 
The excessive requests for " verification '' subsequent to providing all the information required to open the account at PNC bank is unreasonable, unnecessary, and unwarranted. If there is something that is causing the repeated demands to disclose and " verify '' my personally identifying information ( PII ) with PNC Bank, the reason ( s ) must be specified with the customers, otherwise, I consider these practices unreasonable and unnecessary harassment to push me to close my account with PNC Bank. I have already informed PNC bank representatives as well as local, state and federal authorities of suspicious/criminal activity, targeting, and confirmed a data spill involving my personally identifiable information ( PII ).

Company response to consumer: Closed with explanation