Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (PA)

I am writing to vehemently protest and shine light to the outrageous and unjustified closure of my PNC Bank checking account. My two-year history as a customer has been spotless, with no incidents that would warrant such drastic action, not to mention the depositing of over XXXX in DIRECT DEPOSITS. 

On XX/XX/XXXX, I was blindsided by the discovery that my debit card was terminated without warning or explanation. I called PNC customer service line who assured me the card was closed but that my checking account was fine. She suggested I go into the branch tomorrow and get a new one. She looked at and spent 30 minutes on the phone with me and said nothing with notes etc for a closed account appeared. 

The next day I TOOK off of work and learned PNC Bank from the rude manager, was closing my account and the decision was made at XXXX XXXX. XXXX. They closed the debit card before making a decision on the checking account? 

I pressed both the manager and the rude bank rep but was met with the typical PNC Bank 's flippant dismissal of my inquiries, citing vague " internal policy '', this is an insult and demonstrates a complete disregard for customer loyalty alongside the tens of thousands of dollars I HAVE deposited from an honest job as an engineer, Additionally THE CFPB should shut down banks that commit acts as such. 

Now from the mundane to the profound : This arbitrary closure has severely disrupted my financial life : My automatic rent payment will be rejected, incurring a substantial late fee and putting my housing situation in jeopardy. 
Several critical bills, like my electric and car insurance, were unable to process, resulting in additional late charges. 
Due to the urgency caused by this closure, I was forced to look at other banks, sadly with my schedule as a busy engineer has it, I have not yet had time and as a result suffering immeasurable damage. 
These are not mere annoyances PNC Bank 's actions have jeopardized my financial security and reputation. The irreparable harm inflicted by this decision requires immediate compensation and rectification. 

I will not tolerate this gross mistreatment. I refuse to settle for PNC Bank 's dismissive excuses. I REQUEST THE CFPB ORDER PNC : The immediate reinstatement of my checking account to its previous standing. 
Full reimbursement for any fees or damages incurred as a direct result of this closure. 
A formal explanation detailing the precise reasons behind this account termination. 
Should PNC Bank fail to comply with these demands, I am fully prepared to escalate this matter. I will pursue every possible avenue for recourse, including contacting regulatory bodies and legal counsel. 

PNC Bank has betrayed my trust as a customer ; they will now face the unwavering consequences of their actions. 

if they refuse with any of the above I WANT HIS PUBLISHED AND I WILL GO OUT OF MY WAY INCLUDING WITH FRIENDS WHO HAVE PNC AT WORK ACCOUNTS AND ARE IN ROLES THAT ENABLE THEM TO MAKE BUSINESS DECISIONS SUCH AS THE ABOVE AND WILL NOT REST UNTIL THEY ARE SHAMED!