Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (KY)

I've been having issues with my PNC Virtual Wallet. Its to the point now where it is ruining my life, literally! PNC closed my account for a reason i cant seem to be told over the phone or by my verified email address. I have money I have been waiting on that took 7 to 10 business days to return, but not i find out on the 10th day my account was closed yesterday. I just returned a car rental as well that has a return deposit going back to that account in a day or two. Im not understanding why i could not get a call that they were going to close my account. Why couldn't i pick my money up? Why couldn't they waited to receive the money on the way? I have a XXXX XXXX XXXX  that is depending solely on me to provide and care for her at the best of my ability. I trusted this bank and had all of my money there, the little that i did have. This was all taken from me out of nowhere. I dont have money at home, and no i dont have family or friends to help me. They took everything from me with no explanation at this time. I never received my pin number in the mail, but did get 2 summary bills. I couldn't XXXX money. Was told i had to a specific date to verify my identity which i went to the bank and done not once, but twice. With all thats going on, they are making it harder to survive during this pandemic. My unemployment goes to this account as well. All the money I've been waiting on will now be sent back and mailed out. It was killing me to wait this long as it was to receive, soon as it was time to hit my account PNC CLOSED IT. I haven't been receiving mail like i should so no telling when i will get all these separate check. Because of PNC, i have no idea how my XXXX XXXX XXXX and I will eat. I have no idea how we will get around now that i dont have a way to use XXXX. I was in an accident a month ago, and that money coming back today was suppose to be used to eat, get pull-ups, and pay pay for the part i need to fix my car. Im told from multiple customer service reps i need to go to the bank teller. I call the bank teller instead because i have no form of transportation now. I refuse to put my XXXX  on public bus with me during covid. The teller tells me that there is noting they can do or see because my account was closed, meaning they was giving me the run around knowing neither parties could open my account to view it. Both parties we sending me to the other. Customer Service tells me to go to bank, Bank tells me to call Customer Service. At this point I want to take this to small claims court and have the reps i talk to summons there as well, because this is unacceptable. These situations should not be handled in this manner. What's wrong with courtesy calls, or a bank actually caring about their customers enough to try and fix the problem by contacting us BEFORE messing our lives up? I dont understand and its unethical. This is causing so much stress on me right now, i was depending on my money to be where it should be and its not. I dont know what else to do. Not only is PNC system is BROKE, I am too, untill i am forced to wait more days and weeks to get what i should be able to have access to.