Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WV

Complaint narrative:
On XX/XX/XXXX I asked that that they add my son to my checking account he was turning XXXX said wait until hes home no rush since he has no id. I was frozen out of my account the entire month of XXXX while awaiting for different one time passcodes due to miscommunication on PNC end. On XX/XX/XXXX I asked that they send an XXXX to the social security office since my son was turning XXXX his survivor benefits were coming paper as of XXXX they told me to XXXX it. On XX/XX/XXXX I mobile deposited my sons social security check into my account forewarning them it was coming paper, this check has been direct deposited into my account for the last 2 and a half years same time same amount. No cash was released it was after XXXX on a Friday so I waited until Monday and when I called them, we spoke and we both went over the issues and she didnt know why anything had not been released either so she said dont worry about it. All of your funds will be released this evening between the hours of XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I received an email stating none of my funds would be released. Theyre putting a hold on the check. First they were gon na be released the fifth then they were gon na be released the eighth then the ninth then the XXXX the XXXX I received a phone call stating that they needed to talk to us about fraud. I said this is a protected check and the check is already expired like you were withholding my sons funds and meanwhile, they were siphoning any amount of money that was coming into my account for overdrawn fees. It was financially crippling to say the least our phones are shut off, which is how I work. I lost my XXXX shop due to this finally around the XXXX. They released my funds only temporarily because then what they did was anything that was coming out of the funds that I was paying with debit card they maneuvered in order to get the most out of their overdrawn fees, and then I just siphon everything down to the last XXXX out of my account and once again, I am being charged an overdraft fee every single day at {$36.00}. Ive asked him to shut it down. Ive told him that this is insane. They they are robbing my son and I of our livelihood and so theyre only resolution to this as that, my son and I stepped into a PNC branch well geographically there is no branch near me as Ive never been into a branch in the four years that Ive been a customer of PNC nor have I ever had an issue like this at PNC , but they are horrifying and my son is in XXXX so he has no funds no access to any money eight hours away from me I have no way of paying our bills and anything that I am getting added to my account they just drain it. Its disgusting the way theyve treated us add me into this get fixed some kind of resolution and they are not even XXXX its outrageous. I want my full amount of all the overdraft. I want them overturns and I want the {$1500.00} that its cost me with my XXXX store and I would like punitive damage for that. Weve had our phone shut off. Ive not been able to contact my child my elderly father we pay for his phone as well. Something needs to be done. Theyve treated a protected federally protected Social Security check like a third-party fraudulent scheme meanwhile the only fraudulent schemes occurring are the fraudulent schemes that PNC has thrown up upon us.

Company response to consumer: Closed with monetary relief