Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (TX)

Since opening a checking act I have had problems with this bank. I came in to the XXXX TX location on a weekday around XXXX. I walked to the front teller and asked if I could open a checking account. XXXX tellers were up front, both looked at each other, then another person came out and said do you have an appointment? I looked at her strangely bc I never been to a bank where I was asked if I had an appt to open a checking. I said no I do not have an appointment. She said can you come in tomorrow? I said no. She said would you like to make an appointment? I said NO I would like to open an account right now that I'm here. They all looked at me as if it was an issue? I said do you not take walk ins? I started walking away and said XXXX see what CFPB says about this. As Im walking away, she then says its going to be at least a XXXX min wait, I turn around and said Okay? That's fine. They 1st turned me away & then suddenly when I mentioned CFPB, they suddenly want to help. Initially they could have said the wait is XXXX, why turn me way?? I feel I wasn't treated fairly and she could have said that upfront, they obviously did not want the business, was I not the right race> What was the problem? I waited approx XXXX min. I noticed while sitting that they only had 2 customers sitting with a banker openly. There were 2 offices with the door shut, one female and the other was empty. They were not busy. A female walked in to the XXXX office, a lady came up to her speaking, she then came out into the lobby & and asked me to come in, as I opened the act. It was a bit confusing as I felt as if she was pushing me to get me to open a student act and apply for their credit card, I had already did a little homework & knew which checking I wanted. I will mention she opened XXXX ckg acts and a savings as it wasn't explained to me ; however Im okay with it. When I called today XXXX I called to asked rep by ph " XXXX '' what are the other XXXX acts for? She verified name, address, ph no, she then said Im sending a code to you, tell me the code no, I said do I have to go thru this every time I call? She said this is the way we verify the act because we cant see you, I said I understand you have to verify my act but after I verified, you still cant see me? XXXX 's answer made absolutely no sense to me, I went on and said anyway... can you tell me about the other XXXX acts, she said XXXX act you may use to pay bills, they other " you don't have to use it '' Im like huh? I don't have to use it... what is it for? I said this is the XXXX time you have given me useless info and not answering my question. I m very aware I don't have to use it, she cut me off & said I'm not taking this abuse and will transfer you. I I couldn't believe it, this false accusation is false and I don't appreciate her interrupting me, claiming my comment was abusive. The manager got on the ph XXXX I expressed what had happened as I really don't have time for this bank to continue to treat me in this manner. They a truly unprofessional and apparently they have my previous complaint in front of them and performing retaliation. I also had an issue with setting up my act with XXXX an online and had to get assistance and was told system is outdated and had to get help over the ph to change the settings. This bank is overwhelming and they really need to learn how to treat people fairly & not retaliate after I complaints. Unfortunately I had to call see why i had XXXX acts and what are they for because it wasnt explained to me. Because they feel Im wasting their time and supposed to assume how things works is ridiculous. The biggest issue is my direct pay with XXXX in which comes in every 2 weeks on a Tuesday. PNC direct deposit doesn't show up until the next day Wednesday at XXXX. Not that morning before on Tuesday and that Wednesday funds are not available to me that " day '', if I tried to withdraw, funds are not available until a few min before XXXX. This is set up initially as they set it up so I really dont have access until that THURSDAY, another retaliation movement, unfair treatment as I have discussed with their so called escalation dept as she stated and LIED and made no adjustments by blowing me off to say we did not delay your pay as they did. We did everything correct. Of course this is what they would say tto COVER THEIR MISTAKES AND LOW DOWN TREATMENT. My direct deposit with XXXX should be available that WHOLE DAY, not a few min before midnight as they refused to make it right and or correct.