Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
This is the email I sent to PNC complaint dept. I feel like my complaint will fall on deaf ears.. I also have video of my unnecessary wait.. 




Dear XXXX, Thank you again for taking the time to speak with me the other day. Now that Ive had a chance to sit down and collect my thoughts without distractions, I wanted to provide a detailed timeline of my experience : XX/XX/XXXX I visited the PNC branch in XXXX XXXX to reset my PIN. A very thin XXXXXXXX XXXX who was identified as the branch mgr informed me that no one was available to assist me and asked me to return in an hour. I returned as requested and was promptly helped by a gentleman the entire process took less than five minutes. 



XX/XX/XXXX I deposited a PNC-issued check into my PNC account at the XXXXXXXX XXXX  branch. When I inquired about the hold time, the supervisor advised me that the funds would be available by the next morning. 



XX/XX/XXXX I returned to the same XXXXXXXX XXXX branch and withdrew funds without issue, as the check had cleared in full. 



XX/XX/XXXX I returned to the XXXX XXXX branch with the intention of withdrawing {$20000.00}. The branch manager became involved at some point I dont recall exactly how and appeared visibly surprised when she saw the amount in my account. She then stated that a hold would need to be placed on my account. I explained that I had no issues accessing these funds in XXXX. 



She implied that I must have had some relationship with the staff in XXXX  and began questioning the nature of the trust associated with my account. She claimed to be an expert in trusts and asked about its naming questions I found inappropriate and beyond the scope of her role. 



XX/XX/XXXX After the hold was lifted, I returned to the XXXX XXXX branch and successfully withdrew the {$20000.00}. I also inquired about opening a savings account. A young lady suggested I return to the branch where the account was originally opened, which made little sense given that I now reside in XXXX XXXX. After some back and forth, the branch manager intervened and insisted it had to be opened there unless I really wanted to go downtown. Her tone and demeanor suggested she expected me to give up and comply. 



Later, I received a call informing me that my signature had been missed on a document. 



XX/XX/XXXX I returned to sign the document and waited XXXX minutes in an almost empty branch. XXXX XXXX XXXX who had just finished assisting a customer, acknowledged me but then went into the branch managers office and never came out. When the original young lady who previously discouraged me from opening a savings account arrived, it took her less than a minute to retrieve the document which indicated it had already been prepared. Regardless, there was no reason I should have been waiting XXXX minutes while the staff appeared doing nothing. 





The gentleman in the main lobby was looking out the window flicking his pen constantly in pure boredom. When I asked the young lady who wanted me to go to another branch if the gentleman was a greeter or a banker? She advised me that he was a banker just like her. 



I recorded part of this experience, including gesturing toward the cameras, to emphasize my dissatisfaction and that I am now recording. 



To this day, I have not received any follow-up from the XXXX XXXX XXXX XXXX 



Additionally, I also recall seeing a negative review on XXXX mentioning XXXX at this branch a one-star review that has since disappeared. Whether it was removed or buried under a different listing, I found this deeply concerning and telling. This pushed me to document this experience. 



I want to mention something I believe contributed to how I was treated. I've been in management since I was XXXX, I am now XXXX and have worn suits all of my professional life. However, when Im not at work, I prefer sweatpants the more comfortable and homeless looking the better. I believe my attire and after reading that review, my ethnicity played a massive role in the treatment I received, so I intentionally continued dressing the same way to test the consistency of their behavior. 



Thank you for your time and attention to this matter. The Branch XXXX Name I believe is XXXX XXXX and her sidekicks name started with an A as well. Ive also attached a picture of the shirt I wore but with XXXX and XXXX, Im sure youre already located me. 

Best regards, To date, no one has gotten back to me about the saving account that I waited XXXX to sign paperwork for. Next month, XX/XX/XXXX will be a year. I've been very nice and not post the XXXX min waiting video on social media

Company response to consumer: Closed with explanation