Consumer complaint received 2021-12-06
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX To Whom It May Concern : I closed my PNC checking account in XXXX of XXXX. Once the IRS began distributing stimulus checks during the pandemic in XXXX, I was informed that they would first attempt to deposit the stimulus payments in the account that was on file based on your XXXX tax return. In my case, this was my PNC account that had been closed. The bank was supposed to reject the check and be sent back to the sender, at which point the IRS would issue paper checks. I never ended up receiving a deposit or check for the 2nd stimulus payment we received ( {$600.00} in total. ) So, when filing my XXXX taxes, there was an option to receive a tax credit if you did not receive the stimulus package, so, I received a {$600.00} tax credit. Now, the IRS started sending me notices stating that I was not able to receive the tax credit because their records show me receiving the {$600.00} stimulus payment. So, this implies that PNC never rejected the deposit which is why a check was never issued to me. Which makes sense, because I ran into the same scenario in XXXX of XXXX where PNC did not return a deposit back to sender which resulted a delay in the receiving of my funds and I am afraid I am in the same situation again. 
I attempted, multiple times, to contact PNCs customer service line, which is nearly impossible. I was on hold for almost an hour multiple times while not ONCE being able to connect with a customer service representative. I then proceeded to contact a local bank branch of PNC ( XXXX, OH XXXX ) and when I informed them of the situation, I was told that they did not have the capabilities to retrieve that information at a branch level. We then made an appointment for me to sit in while one of the bankers called an internal hotline they had that is not available to anyone other than employees. We then sat on hold for almost an hour and a half when we were finally connected with an associate. Their team was able to see that the {$600.00} stimulus payment was deposited into my closed account on XX/XX/XXXX, BUT, they did not have visibility as to whether or not the deposit was rejected and sent back or not. I was given a phone number to deposit services and was GURANTEED by the associate at my local PNC branch that this department would be able to see if the deposit was indeed rejected or not, and, be able to supply me with documentation stating it was rejected and sent back to sender if need be. 
I called deposit services on the morning of XX/XX/XXXX and was on hold for a while until I connected with an associate named XXXX. She was extremely rude and I could very well tell she was not interested in helping me in the slightest. XXXX informed me that because my account was no longer open, she is unable to supply me with that information because she has no way of verifying my information. So, I was lied to and deceived by PNC by them pointing me in the direction of deposit services. XXXX then referred me back to a branch to have them further assist me because, apparently, there was nothing else she could do. At this point, I have been thrown in circles by PNC with them refusing to give me any help whatsoever saying whether or not the check was rejected, or if they never did and they will need to send me a paper check. 
I need resolution in the form of a rejection report stating when the check was sent back to sender, and exactly when it was sent back, or, I need a check issued to me in the amount of {$600.00} because PNC never rejected it back as they should have. I received a notice that the IRS intends to seize my property if I do not pay them back the {$600.00}. I made PNC aware of this multiple times and still have yet to receive any answers. I was misinformed on multiple occasions by PNC bank employees as to how/where to get this information. This is a clear violation of UDAAP, FCRA, Reg E, and Reg CC at a minimum because I am, obviously, and purposefully being deceived so that the bank can keep my funds. I will continue to seek the return of my funds plus any attorney costs that may accrue. Please feel to reach out to me or my attorney XXXX XXXX XXXX at XXXX. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX CC : CFPB- Consumer Financial Protection Board XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio Attorney General State of Pennsylvania Attorney General State of NY Attorney General XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation