Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (VA)

Discrimination complaint. 

I am a non-white female. On XX/XX/2023 I deposited a check for {$100000.00} written to me by a patient I work for who is also a family friend. The tellers at PNC in XXXX XXXX XXXX advised me not to hold onto a check this large and advised me to deposit it into my pnc personal checking account. My funds were in my account within the 2 business day hold. On XX/XX/2023 I noticed my personal account balance at {$0.00}. I called and spoke to 3 different PNC representatives ( XXXX, XXXX, and XXXX XXXX who advised me that my account is on hold since XX/XX/2023 pending an active investigation related to the XX/XX/2023 deposit of $ XXXX XXXX XXXX XXXX, and XXXX XXXX have also confirmed via the phone with me regarding this hold due to an investigation. It was not until XXXX XXXX at the XXXX, VA branch who admitted to me on video that I am the one being accused of the fraud. She treated me as if I was the criminal and stated once this investigation is over, PNC will immediately terminate my banking relationship after I advised XXXX XXXX to close my accounts. XXXX XXXX said that I was the one who fraudulently produced the check. I had to call my contacts and XXXX bank and let the XXXX bankers speak and thats when XXXX XXXX stated the words indemnification. XXXX looked into the situation more on their end and said theyve done everything they can on their end and will need PNC to advise how to clear this matter up. 

Whats mind blowing to me is that this check processed with the verification and the endorser was called and she verified the check on XX/XX/2023. Why would the check be held with no basis on XX/XX/2023. 

Additionally, a white female employee deposited her check written for a large amount by the same endorser and issuer ( Truist bank ) into her personal PNC checking account prior to my XX/XX/2023 deposit. This white female has had ZERO issues with her check deposit. 

Ive been dealing with PNC holding my funds on both my personal and business accounts pending an active investigation. 

On XX/XX/2023, I received a call from XXXX ( PNC executive ) responding to my initial CFPB complaint. I called her back immediately and wrote her an email. More than a week later Ive yet to get a call back from her. On XX/XX/2023 another PNC XXXX named XXXX called me and asked me to tell her whats going on. I immediately told her that she should be the one telling me whats going on with my accounts and funds. I explained my entire situation extending from XX/XX/2023. XXXX advised me that she will be calling me next week. Since it was XX/XX/2023 I decided to call XXXX for an update. XXXX proceeded to admit that she has reach out to some managers and shes yet to get a response from them since Friday. 

I honestly feel PNC is discriminating against me. I have some additional proofs and instances that I will be releasing when PNC takes my complaints seriously. 

PNC has had no basis or evidence to choose to hold my funds from my account. Ive been advised my XXXX XXXX  that XXXX has verified not once but twice already with PNC that the funds are solid and PNC refuses to accept that the money belongs to me- a non-white female. 

PNC not returning my calls and messages Ive been sending is a red flag. Theyve left me with {$0.00} in my name. Theyve shut my business down and left me with {$0.00}. Not only doing this has ruined my life but theyve completely ignored my calls and complaints all on the basis that Im not white and important enough.