Consumer complaint received 2022-12-29
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
RE : ACCOUNT XXXX Complaint # XXXX To Whom This May Concern ; This notice of great concern, reaches the right person and/or department I hope I will be able to be heard and understood but most importantly looking for some sort of resolution and tie up the loose ends concerning this situation. 



I use to ne a PNC member well over 10 plus years ago for years. After leaving and coming back but never encounter any of these issues before. I now feel as though I am being held accountable for the fraud department who is put in place to monitor my account from things like this. If this was my fault, I would not have any issues taking accountability of this. During this time, I will say I wish I checked my account more often and been proactive and it's my fault for putting so much trust into a bank I choose to deal with had this down packed and in the bag and its my fault because I thought wrong. 



So, while calling the bank I was told I didnt have an account anymore and was not being told why no calls or mail was sent to me to let me know what issues my account was facing, not even a text message, but I do get them to verify my account number. As a customer who put way too much trust into this bank and had to then jump through hoops just to get some type of answers because what it seemed like was me getting casted off the island since the bank chose to close me out. However, I was not going to allow this to go un-handled I needed, wanted, and deserved answers just like anyone else. 



I have been a victim of identity theft and thieves so I this time was going to fight until whats right happens, thats what I do know! Back in XX/XX/XXXX, I spoken with a representative at PNC name XXXX, asking her why my account was closed and she could not give me a straight answer. I feel as though whatever she was looking at on screen at the time she didnt know and wasnt so sure how to explain! I then got representative XXXX who sent me code XXXX and filed a complaint XXXX. I ended up letting him know the poor service experience I have endured, being hung up on and nobody trying to help get to the bottom of what was going on. XXXX did let me know that part of the closure of account was due to some online charges on my account, however, he can agree with what I said about nobody contacting me about the fraud activity but stated that when PNC contacts me back about the complaint he filed for me they will also be able to see where the ball was dropped that could have stopped the decision that was made on my account. But before hanging up he did leave me with saying that the bank can cut ties with anyone they want to a not provide that person any service. 



So, after opening the complaint I was then contacted by XXXX XXXX XXXX XXXX ) who sent a code ( XXXX ) to verify my account and identity as well. At this point I explained to her about no contact by anyone at PNC. Long story short, Ive broken the situation down top to bottom and guess what happened with that situation? Nothing! While speaking with XXXX I was supposed to get my statements through the mail however, those statement never came in the mail and I kept in contact with XXXX XXXX and told her this a number of times since she said they was being mailed. Not to mention XXXX XXXX was sent a number of correspondences as well to the email she told me to keep in contact with. None of those emails were ever responded to regarding the important information that was needed to move forward with getting this account in dispute status. 



In closing, I am very aware now since this situation n has happened that banks have a decision and choice not to continue doing business with a person as they see fit. But the problem for me is that Ive done nothing wrong other than allowing myself to be ignored after hearing XXXX XXXX but quite frankly PNC should not have allowed fraud to happen on my account to begin with, especially knowing and monitoring my day-to-day activities. XXXX and I left off getting those fraud charges off my account and haven't heard from the account and then getting my account back as well. XXXX to have seen that I was not properly contacted about what was going on and I am sure the calls are recorded to be reviewed to see exactly where things were going. 

I look forward to hearing from PNC office of the president or the executive office whichever comes first. I will also be contacting the XXXX XXXX XXXX XXXX XXXX XXXX  and also contacting CFPB ( Consumer Financial Protection Bureau ) so that this no longer gets left not being resolved as it has been long enough of a wait. I really just want this to be handled now! I look forward to hearing from someone regarding this matter sooner than later, as it has gone nowhere fast and way to long and just dont want this lingering anymore! 

Signed a concerned customer with PNC, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation