Consumer complaint received 2025-09-29 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:
CFPB COMPLAINT CHALLENGE - PNC 's Continued Federal Violations and False Statements Re : Challenge to PNC Response - Case Numbers XXXX, XXXX, XXXX, XXXX SUMMARY PNC 's XX/XX/year> response demonstrates continued systematic federal violations and false statements to CFPB. XXXX XXXX, XXXX XXXX XXXX, has now committed multiple perjury violations under XXXX XXXX XXXX by making knowing false statements to federal regulators. This response proves institutional bad faith and regulatory contempt. 

SYSTEMATIC FALSE STATEMENTS ANALYSIS XXXX. FALSE STATEMENT : Merchant Verification PNC 's Statement : " the transaction was confirmed by the merchant '' XXXX XXXX XXXX Violation -XX/XX/XXXX Count : This constitutes XXXX 's second violation. PNC 's own written denial letter explicitly cited " overdraft history '' as the reason for dispute denial, not merchant verification. If merchant verification was their actual standard, then every card theft dispute would be automatically denied since stolen cards always show " verified '' transactions. This policy would itself constitute systematic federal violation of dispute resolution requirements. 

Proof of False Statement : PNC later reversed this denial and issued final credit, definitively proving no legitimate merchant verification existed. XXXX is knowingly making false statements to federal regulators to conceal discriminatory dispute practices by PNC XXXX department. 

XXXX. FALSE STATEMENT : No Retaliation PNC 's Statement : " PNC denies your allegation of engaging in any form of retaliation '' XXXX XXXX XXXX Violation -XX/XX/XXXX Count : This denial contradicts mathematical evidence. Account closed on XX/XX/year>, exactly XX/XX/XXXX days after filing CFPB complaint and immediately following dispute filings. InXX/XX/XXXX years as customer, account was never closed until filing disputes and CFPB complaints. The temporal proximity alone constitutes compelling evidence of systematic retaliation. 

Mathematical Proof : The timing is not coincidental - it represents premeditated retaliation against federal complaint filing and exercising federal rights after being robbed. XXXX 's denial in the face of documented evidence constitutes knowing false statement to federal regulators. 

Furthermore I successfully predicted it that PNC will close my account for filing disputes. A branch banker himself told me months ago that PNC will close the account for " dispute abuse ''. He tipped me off. 

Otherwise there is no way i can successfully predict of account closure with XXXX percent certainty. 

XXXX.XX/XX/XXXX : Phone Verification Harassment PNC 's Response : [ Complete silence - no response provided ] Regulatory Bad Faith : PNC completely ignored documented allegations of systematic harassment requiring phone verification for routine digital transactions. This evasion demonstrates consciousness of guilt regarding harassment tactics designed to punish dispute filing. 

2025 Technology Context : Forcing in person verification for digital transactions in 2025 represents technologically obsolete customer punishment disguised as security. Multiple secure alternatives existed instead of account closure : Digital wallet biometric authentication for the app that was revoked PIN-only transaction requirements App-controlled debit card locks Real-time text notification systems to confirm transaction Using the smartphone to tap for payment than to use physical debit card PNC 's refusal to work things XXXX and address these harassment allegations proves systematic retaliation rather than legitimate security concerns. 

CONTINUED INSTITUTIONAL BAD FAITH Pattern of Regulatory Contempt Multiple CFPB complaints= Same boilerplate responses often with same exact wording and XXXX response to multiple complaints of different nature. 

Federal crime allegations = Generic corporate denial Compelling evidence provided = Systematic evasion continues Police backing documented = Institution ignores law enforcement XXXXXX/XX/XXXX Disqualification XXXX XXXX continues responding to her own lies, creating fundamental conflict of interest. She can not ethically defend her own federal lying violations while simultaneously investigating them for the institution. 

REQUESTED CFPB ACTION Immediate Referral to XXXX for multiple XXXX XXXX XXXX violations Maximum Civil Penalties for systematic regulatory contempt Individual Accountability for XXXX XXXX 's repeated perjury Institutional Oversight requiring complete policy overhaul especially when disputes are filed by victims of theft that are backed by police detectives. 

Enhanced Supervision to prevent continued federal violations CONCLUSION PNC 's XX/XX/XXXX response confirms systematic institutional bad faith and continued federal violations. XXXX XXXX has now committed multiple perjury counts by making knowing false statements to federal regulators while systematically evading documented evidence. 

The institution 's response proves they view CFPB oversight with contempt and will continue federal violations until maximum enforcement action is taken. Criminal referrals and civil penalties are necessary to restore regulatory credibility and protect other consumers from similar systematic abuse. 


Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation