Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
FINAL COMPLAINT PNC Bank Perjury, Retaliation, and Profiling During CFPB Investigation Submitted by : XXXX XXXXXXXX XXXX : PNC Bank Complaint Type : Emergency Regulatory Deception and Federal Rights Violations Related Case XXXX : XXXX, XXXX, XXXX XXXX Reference : XXXX XXXX SUMMARY : This complaint documents federal rights violations committed by PNC Bank, including : False Statements to CFPB in their XX/XX/year>XXXX  response. 

Retaliatory account closure on XX/XX/year>XXXX during active investigation. Profiling based on credit score and past overdraft history to justify dispute denials. 

Fabricated justification for dispute denial, later disproven by reversal and police verification. 

Systematic obstruction and perjury during a federal regulatory process. 

These actions violate 18 U.S.C. 1001 and demonstrate bad faith, discriminatory profiling, and systematic retaliation during ongoing CFPB scrutiny.

I. FALSE STATEMENTS TO CFPB 18 U.S.C. 1001 VIOLATION In the official XX/XX/year>XXXX  response to CFPB, PNC falsely stated : PNC is unable to substantiate the Account was ever closed. 

As of the date of this response, the Account remains open. 

On XX/XX/year>, PNC completed their review of the Account activity, and the hold was removed. 

These statements were proven false 18 days later, when PNC closed the account on XX/XX/year>XXXX  ( see closure letter ). The XX/XX/XXXX response constitutes material misrepresentation to a federal agency, directly violating 18 U.S.C. 1001. 

II. DISPUTE RETALIATION AND CREDIT PROFILING PNC denied my legitimate fraud dispute, stating in writing that : Overdraft history ( on page 2 of the dispute denial ).

XXXX was confirmed by the merchant. 

These were all fabricated claims : In internal notes an employee named XXXX fabricated that debit card was in my possession when I disputed, despite recording of phone calls. This was not a mistake but an intentional violation by PNC. 

I never said the card was in my possession ; police reports prove the wallet was stolen. 

Overdraft history should not be used to profile a customer as a potential fraudster. As a well educated XXXX XXXX being seen as a scammer or fraudster is demoralizing for me and mentally distressing. 

The transaction was not confirmed by the merchant proven by PNC later reversing the denial and issuing final credit. 

Further, the reversal only happened after I was forced to visit the branch in person multiple times, despite being medically and logistically unable to. This is harassment and obstruction of my federal rights. 

III. PATTERN OF RETALIATION AND OBSTRUCTION After I filed CFPB complaints : My mobile banking was XXXX All transactions blocked Forced to visit branch for everything Treated with suspicion and denied all flexibility Dispute falsely denied Account closed in retaliation No phone support at all despite verifying text code. 

PNC used a single automated payment failure which occurred because of their own account restrictions as pretext for closure. 

Yet, all of this began only after I filed disputes and submitted police reports, proving their actions were retaliatory, not operational. 

IV. NEW PERJURY CHARGE FABRICATED MERCHANT CONFIRMATION PNCs XX/XX/XXXX response claimed my original dispute was denied because the transaction was confirmed by the merchant. 

This is knowingly false : No such merchant confirmation was ever provided. 

The transaction was ultimately found fraudulent and reversed by PNC. 

This false justification was used to conceal the real reason for denial : retaliation. 

This statement violates 18 U.S.C. 1001, and the responsible individual must be referred for criminal investigation.

V. CFPB RESPONSE HISTORY IGNORED ALL FACTS PNC has shown a consistent pattern of : Boilerplate responses and dodging questions. 

Denying wrongdoing despite documentary evidence Dodging direct questions Escalating retaliation with each complaint Despite multiple CFPB complaints since XX/XX/year>, PNC never changed course. Instead, they doubled down and closed the account outright confirming that my complaints were valid all along. 



SUPPORTING EVIDENCE : XX/XX/XXXX CFPB Response from PNC ( falsely claiming account open ) XX/XX/XXXX Closure Letter Email confirmation from police detective Proof of police case Timeline of complaint history Evidence that dispute was ultimately reversed Call logs and in-branch harassment pattern CONCLUSION : PNC Bank committed regulatory perjury, engaged in discriminatory profiling, and closed my account in retaliation for filing fraud disputes backed by police. These violations of federal law during an ongoing CFPB investigation are criminal in nature, not just civil. 

The CFPB must act swiftly to restore public trust and hold accountable all individuals and departments at PNC that engaged in obstruction, deception, and abuse of authority.

Company response to consumer: Closed with explanation