Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
-- - Subject : URGENT CFPB COMPLAINT PNC Bank Reversed Cleared Funds, Canceled Valid Investment, Threatened Me With Arrest, and Is Engaged in Financial Abuse To Whom It May Concern, This is a formal and urgent complaint against PNC Bank for financial manipulation, deceptive practices, miscommunication, and abuse of power that has resulted in serious monetary loss and personal harm. 

On XXXX ], I deposited a certified check from my attorney into my PNC account. A banker from PNC confirmed by phone that the check had cleared and the funds were fully available. Based on that confirmation, I proceeded with an {$1800.00} investment into XXXX XXXX XXXX, a time-sensitive move based on the market approaching an all-time high. 

Then, with no notice, PNC reversed the cleared funds, canceled the XXXX transaction, and pulled back my moneyleaving the investment void, my funds missing, and me without access to anything. XXXX no longer has the funds, and PNC has given me no access or transparency as to where they are. 

What followed was an absolute circus of mismanagement : PNCs fraud department instructed me to go to a branch and have the branch XXXX call them. 

When I arrived at the branch, the XXXXXXXX XXXX XXXX instead of doing their job and communicating with their own fraud department XXXX XXXX panicked, ran to their office, and called the police on me. 

The police told me that if I came back, I would be XXXX XXXX arrested for trespassing XXXX XXXX for trying to withdraw my own money from my own account based on instructions given to me by PNCs fraud team. 


This is not a misunderstanding. This is systemic abuse. 

I have now been : Hung up on XXXX times by PNC representatives, including most recently by XXXX in the fraud department. 

Denied access to my money, despite no evidence of fraud and XXXX wrongdoing on my part. 

Forced into the role of messenger between incompetent departments within the same bank, as if its my job to educate or convince branch managers of their own internal procedures. 

Publicly threatened with arrest simply for following the instructions given to me by PNC themselves. 


Let me make this absolutely clear : The check was valid. 

The funds were confirmed as cleared. 

The transaction was legitimate. 

The reversal was entirely PNCs doing. 

And the resulting financial loss is 100 % PNCs fault. 


I demand : 1. Immediate access to my funds. 


2. Reimbursement for the canceled Crypto.com investment.

3. Compensation for the financial harm, stress, humiliation, and wasted time caused by PNCs reckless actions.

4. A formal investigation into the conduct of the following individuals and departments : PNC XXXX Department ( esp. agent " XXXX '' ) XXXX XXXX XXXX XXXX XXXX XXXX  ) All other representatives involved in this gross mishandling I am already in contact with legal counsel and preparing a lawsuit. I have documented everything. If this can happen to mesomeone who deposited a legitimate check and made a lawful transactionit can happen to anyone. And I will make sure the public knows it. 

You are hereby put on notice : I will not stop until this is resolved, compensated, and exposed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation