Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (PA)

I had a very bad encounter with a representative from PNC bank who taunted and teased me in a demeaning manner and mocked me regarding my XXXX because I have XXXX and have suffered XXXX ( XXXX ) concussions. I have continually been paying on my own money I put in a secured card to help attribute toward my expenses. I would use the exact same amount toward my expenses as the card allotted, but was never told NOT to maximize my card ; but I would actually pay back that full amount onto my card for about XXXX years. During this time I applied for an extended line of credit on multiple occasions, and enquired again particularly after I received XXXX dollars for a past due allotment I acquired. I felt having this money come through my account with PNC would give me a chance to realize the opportunity to extend my credit by putting down XXXX dollars on my XXXX secured credit card to offset my expenses and not cause to reflect against me. I was refused again and questioned as to my capacity to improve my credit situation if I was NOT allowed to increase my credit limit no matter how much I tried to do so. It was my money used to establish the card and no line of credit was given to me or extended to me other than the line of credit I financed with my own money. I continually questioned this while constantly coming up against a wall in having my needs met. IF my expenses came to XXXX dollars a month, and/or I spend XXXX dollars a month ( which I put on my secured card ) then I would need to create a cushion to allot myself the convenience of reaping the benefits of having XXXX in my account to buffer and improve my score. I was continuously denied the attempts made to do so on multiple occasion with XXXX, XXXX, and XXXX dollar increase to my account. When I paid off my balance XXXX XXXX that I was suffering from a severe bought of XXXX and I mistook my due date by a few days I contacted the bank and informed them of such ; but I was derated and ridiculed by the agents who totally refused to hear me out with any reasoning to my medical condition struggling with XXXX XXXX XXXX issues that became a crisis for me. They mocked me, and belittled me without taking into consideration my XXXX  experienced. I had paid the balance off and yet there was not any consideration given to my situation. Instead of understanding the situation- they kept compiling fees on top of fees and explained to me my account would be closed and my XXXX I used to open the account would be taken to pay out the debt. I then stated to them that they never extended any thing to me because it was totally my own money that opened the account and I never received any of the bank 's money in the process - so I asked them how much money did they give me, or put in my account and they could NOT answer because they never gave me or extended to me any money. So I let them take my money I acquired from my hard-earned savings from my XXXX. They are stalking and harassing me now saying I owe them XXXX dollars when they took my money I put in to secure the account, and never gave or 'extended " me anything ... Please this needs to stop- as Veterans we have already suffered enough as I contracted XXXX from being XXXX  from contaminated water, XXXX XXXX XXXX from XXXX XXXX, as well as the extremes of my XXXX. Thank you. XXXX XXXX XXXX, Veteran - XXXX