Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (DC)

This is a second complaint against PNC Bank. PNCs previous response blamed XXXX XXXX XXXX XXXX for PNCs failure to honor valid external payment requests from me. I have attached four letters from XXXX which clearly states that PNC stopped the payment. Some of these rejected requests occurred after PNC acknowledged that I requested they remove any stop payment action. I did not authorize a stop payment for any of these transactions. PNC took this action without my consent. This has cost me considerably in fees and a hit to my excellent rating. 

Below is my original complaint. 

Around XX/XX/XXXX, I requested that PNC put a stop payment on a CD transaction with XXXX XXXX XXXX. PNC honored this request. I subsequently made several electronic payment request to XXXX for my credit card from my PNC account. PNC rejected these two additional payment requests. I keep around {$10000.00} in this checking account regularly, so I could not understand why the payments were rejected. When I called PNC to ask why my credit card payment requests were rejected, the customer service rep informed me that any payment requests to XXXX would be rejected until I removed the stop payment. I immediately requested the removal of the stop payment on XXXX XXXX XXXX. The agent removed the stop payment around XX/XX/XXXX and then told me that I could immediately make a payment to XXXX. I made the payment request in the amount around {$1000.00}, it was again rejected. I called PNC again around XX/XX/XXXX, another representative informed me that the stop payment on XXXX XXXX had been lifted and he assured me that I could immediately make a payment to XXXX. The payment was again rejected. I called PNC again around XX/XX/XXXX and spoke to a third representative who told me I could make a payment if I gave it a day or so, I asked that my concern be escalated to a manager since, I was now incurring costs and hits to my credit rating. Several days later, a PNC manager called me from the Escalation dept. at his manager told me that my request to remove the stop payment had been done previously and I could send XXXX the payments that were now late. She also informed me that she would listen to the prior calls and if I was provided with wrong information from PNC, they would reimburse me. I never heard from her again. Based on the escalation managers assurances that the issue has been fixed, I sent a fifth payment of over {$1000.00} to XXXX, which was again rejected around XX/XX/XXXX. Again, I keep around {$10000.00} in this checking account regularly, so there was no reason to reject the payment. I have been a PNC customer in good standing for over 25 years and a XXXX XXXX XXXX customer for over 40 years. PNCs rejection of a lawful payment request is not right and sounds illegal. I want PNC to honor my lawful requests, cease their rejection of my payment requests to XXXX XXXX XXXX, issue a letter from PNC to XXXX apologizing and explaining that the rejection of payments was an error on PNCs part, not the part of me, the depositor. I also want PNC to reimburse me for late fees and return check fees, I incurred from XXXX.