On XXXX XXXX, XXXX around midday, I went to PNC Bank at XXXX XXXX XXXX, XXXX XXXX, N.Y. to obtain a cashier 's check for {$3800.00}. I presented my driver 's license and my PNC debit card as proof of identification. Although the funds were available in my account, the teller said she could not issue the check. She did n't give me a reason. I then asked to speak to a XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX ) came over. She inquired if I knew the person to whom I was sending the check. I said yes. It is a transaction I have been doing monthly for more than XXXX years at PNC for the same amount to the same person. I have explained to PNC on many occasions the reason for the check and who this person is. Since it is well documented in my transaction history, i should n't have to explain every time. XXXX XXXX then told me that there was a lot of fraud that branch and that was the issue with processing my transaction. I said are you accusing me of fraud. You have a photo drivers license and my debit card and you can see in my history that I have done the transaction monthly for XXXX years to the same person.I said the money is available in my account. XXXX XXXX refused to approve the transaction. She said I could only use the money to pay bills but I could n't get the check.This did n't seem appropriate. How can my bank tell me what I can or can not do with money that is available in my account. In other words, I could process online transactions or I withdraw it at an ATM machine.Unfortunately my daily ATM limit is less that the amount I needed for the check. I filed a complaint with PNC the same day. I received a call back from customer representative XXXX XXXX on XXXX XXXX a few days later and repeated the information to her. On XXXX XXXX, XXXX XXXX called to inform me that she spoke to XXXX XXXX, the teller and the branch XXXX and the reason the reason they could n't do the transaction was because of concerns about fraud ( even though I presented XXXX forms of ID ) and because the bank officials did n't know me ( since when do I have to be personally known by officials at a national bank with thousands of branches to complete a transaction ) and because I raised my voice ( that is untrue ; I demanded a reason for them refusing my transaction and threatened to file a complaint, which is my right ). And even if I raised my voice is that a reason. I spoke professionally through a bulletproof partition to the bank officials with a tone that was loud enough for them to hear me. I might have been frustrated and demanding, but loud I was n't. So, it seems like they could n't concoct a good enough lie for why they denied my transaction. They definitely did n't have a legal reason under banking regulations and, I am sure, under PNC policy for denying me access to my funds. Now they are making false accusations about me for their unexplainable action. Simply being concerned about fraud or because of other fraudulent transactions that had nothing to do with me or my account should n't be a reason as long as i present proper identification and the money is available. I was able to do the same transaction a few days later at another PNC branch without a problem and similar transactions previously at other branches without a problem. Since when do I have to be personally known to a teller and a XXXX to access my money. If that 's the case, PNC would be the most inconvenient bank despite its many locations around the country because it would n't be practical for me to go to the branch nearest to me any given time to conduct business for i would be unknown in many cases.