Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I received a back tax refund check from the IRS in the mail. It was for a large amount XXXX. So I opened an account online with PNC, went inside the branch to have my debit card made and deposit my refund check on XX/XX/XXXX. I did this with a personal banker. She told me that the check would probably clear and post on XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX was a holiday. The check cleared on XX/XX/XXXXand I was able to withdraw XXXX from the ATM. At that time I had an available balance of XXXX. Due to the excessive account restrictions I could not access any amount greater than XXXX per day and that meant its inefficient in being able to pay my bills. So I decided to withdraw all funds so that I could pay my bills and do what I need to for my family. I went to the bank the very next morningXX/XX/XXXX to withdraw my funds and they then said they had to verify the check - mind you this is United States Treasury check that is easily verified via the bank system and it had already sat, cleared, and posted. I had even already withdrawn from it. My wife came in after waiting in the car for an hour to assist me ( which I approved verbally in person w/ the banker ). When she asked what was additional verification needed for, the banker threw his hand up in my wifes face. We then asked for the XXXX and the banker began to get aggressive almost shoulder bumping my wife as he walked through the doorway she was standing in he then began to curse at my wife calling her a XXXX saying she has the right one on the wrong day! Then he said sir Im not helping you your account is closed. After that my wife called him out on his very flamboyant personality and I professionalism- on her way out of the door, and he became angry and attempted to come after my wife as she was exiting to wait outside for the XXXX ( another male representative had to grab him to stop him ) the XXXX came XXXXXX/XX/XXXX later and offered no apologies- didnt even acknowledge the altercation or situation with us. Instead he spoke privately with his co worker and came out and told us the account was frozen and I had to bring in my tax return from the irs ( all of this on a cleared United States treasury check ). I also had said documents with me when I deposited the check at the XXXX Ga location the Saturday before. Both the XXXX at the XX/XX/XXXX XXXX XXXX XXXX location in XXXX are members of the XXXX community and the XXXX didnt with his employee and didnt acknowledge the attempted attack on my wife didnt ask us about it at all! And its because when his employee verbally attacked and tried to come after her she called him unprofessional flamboyant and XXXX and that that had no place in the bank .. and as stated before the XXXX was also a XXXX male it was after the XXXX spoke with his employee privately didnt ask any other witnesses nor employees or us anything- he said the account was frozen until we brought in documents. I will be filing a lawsuit- this is diabolical. This is how PNC operates. These are the type of people they handle and stand by. I left there went to the original location of deposit which was XXXX Ga on XXXX XXXX the teller there told my wife and I that the check had definitely already been verified then passed us to her branch XXXX of whom we filled in entirely and she was no help. She sent the irs docs right back to the ghetto, poorly ran, belligerent XXXX at the XXXX XXXX XXXX XXXX location. We told her he had a personal axe to grind and would not do what needed to be done so that I can get my money out- and he did not he didnt even bother calling her back. She had told me that if he didnt do what he was supposed to she would go over his head, but she did not! She never offered to take a complaint or escalate the situation up regarding the attack on my wife verbally and the physical attempt - nothing, she offered no resolution! I then called corporate to file complaint and instead of a regional XXXX calling me back they forwarded the complaint to the same ignorantly ran location on XXXX XXXX XXXX XXXX XXXX location. Clearly they are trying to steal from me and have violated my consumer rights, along with other federal regulations. I have recorded audio recordings of me and my wife trying to get transparency, understanding, and resolution ( our money ) from the bank and the run around and games theyre playing with our money- our lives!

Company response to consumer: Closed with explanation