Consumer complaint received 2022-12-16
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX after having been members to BBVA compass and having separate checking accounts at the XXXX XXXX branch for multiple years, my father added me to his business account..we went into the branch to have this change performed and signred documents validating that fact... ..soon after my father while going into said branch to reorder checks the staff informed him that he should make his personal and business account one single account. He said he told the staff well as long as no changes were made to the primary account ending XXXX ( XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX. As of XX/XX/XXXX every account that either of us had was supported by overdraft protection services. In fact, it is a documented fact that for consecutive years prior to that fiscal year my father 's account would go over drafted. Moreover, for consecutive years, usually exactly within the XXXX  of income tax season, i would my federal income tax refund, go into the branch, greet everyone, and say ok i want to pay what we owe on my dad 's account, i want to take out enough to do that plus leave XXXX $ to XXXX $ in his account keep XXXX $ to go buys clothes and shoes for my XXXX kids my father and myself... .and leave the remaining balance of my refund in my personal account. In XX/XX/XXXX my father passed away ( XX/XX/XXXX ) and on XX/XX/XXXX his regular social security check funds were deposited into the XXXX account., ... ..my father had no insurance other medicare, no life insurance, no funeral arrangement at all. I took care of my father for 14 years straight, i maid his breakfast, lunch and dinner... ..and i was raising XXXX sons and XXXX daughter on my own with only XXXX a month in food stamps and his XXXX XXXX his XXXX and their XXXX. I had no one to help me pay for his funeral. When i saw that his check did get deposited i assumed that was because it was ok do or me to use that payment... ..in fact the first withdrawal i made was for XXXX which i used to buy groceries to last two weeks because i was awaiting my snap benefit renewal to be approved. Then, i withdrew XXXX on the XXXX or XXXX of XXXX to buy hot foods to feed the family members who started arriving for his service. I then begged my family to lend me the XXXX to have him buried properly and i withdrew the XXXX left as my last ditch effort to my family his brothers and sisters and my sister and that's what we did. Finally, in XXXX, XXXX, later than usual my refund ( IRS ) is direct deposited. The next day thinking that my father and i account is XXXX over drafted i go into the branch and i am treated with disdain and there is a weird, hurried vibe by the staff ... ..i get to the teller inside the above mentioned branch and i say I'm here to pay the over drafted balance and deposit money into that account ( XXXX ). There a hurried unsettled almost frantic kind of " now we got him '' type of attitude within the staff. After minutes ( this is all on camera ) one teller more calm in her actions takes over, the XXXX and another higher up staff member, are close by and the teller ask me ok what did you need sir ... .i say again I'm here to pay the XXXX over draft balance on the account XXXX ... XXXX.my father died and I'm here to pay the last XXXX deposit back because i did not know i wasn't suppose to use it. And i want to add money to it and make a withdraw to go do what i have to do... ..the teller body XXXX spoke volumes as she started to get my requests taken care of and then they had a brief huddle and i got this explanation ... ..ok we are going to have to contact our dispute resolutio department because we didn't know what was happening and security came to our branch XXXX off and wanted their money, so to avoid the problem we paid them for that may distribution and we didn't know what to think because we hadn't heard from you ...... i responded i didn't have money i had been waiting on my tax refund. It came I'm here just like the 4 or 5 years prior. I say so what about the XXXX well you can't keep that account open because your dad passed away so we are closing it and the XXXX is going to be yours but after the XXXX tells us how we are going to handle the situation. That hurt me because i remember the pride i felt seeing our names both of our names on those checks i would still have that part of him alive and they took it. As i write this complaint i realize how poor of a job and how truly unprofessional the people of that branch were and still are ... ... by the BBVA policy regarding overdraft protection the use of that XXXX distribution that i used to bury my father fell on bbva to repay because their statement states any negative balance that occurs when the primary passes away repayment of that overdraft or insufficient funds goes to bbva as a benefit of the overdraft protection policy..about nine to 10 months ago i went into that branch and i asked what was going to become of the XXXX and they stuck to the lie that the social security administration still was reviewing the case ... ... by the staff 's own admission they paid SSA so why would they be reviewing anything. I think they made me out to be a low life as con a thug or something and they passed their own judgement of me and don't want to give me the respect all the millions of other bbva/ PNC members have been given for decades ... ... the XXXX is still just a painful reminder of my father whose life was XXXX well worth more than those XXXX and millions more. They have still not released my ... ... MY RIGHTFULLY OWNED CASH DEPOSIT OF XXXX AND I WANT IT AFTER OVER XXXX YEARS OF EXTORTION AND BULLY TACTICS.

Company response to consumer: Closed with explanation