Consumer complaint received 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
XXXX XX/XX/2023, I deposited a check into my account for {$1100.00}. I have been told this check will be on hold for 3 years and no funds will be available. both me and my husband have made at least 5 calls to PNC to find out why and how this is possible, my husband XXXX XXXX has assisted me on several of the calls. We get the same results from the representatives about this matter. They will call me back. They dont, this is disingenuous and not in good faith from PNC . Im curious how can you get away with holding this for three years? All we get from the PNC representatives is that's it on hold. never a reason. but they will have to get with the investigator to find out why? in fairness we did receive two calls, one from XXXX and the other from XXXX. Today, XX/XX/XXXX, my husband called the following number and spoke with XXXX, his phone number is XXXX. XXXX said he's trying to get in touch with the investigator and find out why this check has been placed on hold for three years. OK this is past acceptable for me and my family to give PNC my money for 3 years.

.

During these conversations all of which should all be recorded at held by PNC Bank for further evidence. I get the tone as well as an underlying issue that due to my origin, being XXXX  and me relocating to the state, PNC is issuing some discriminatory practice on me, i get the feeling that i am being red flags for all my deposits because I XXXX. 

It is completely unfair and unfathomable that PNC continues this practice of holding my check for {$1100.00}, Why? the account the check was written on has already been debited, certainly your organization would have and can call XXXX and XXXX XXXX to verify at any given time. Why are you keeping my funds for 25 days? And give me no reasoning nor justification on why you wont disburse the funds into my account. This has caused a huge inconvenience for my livelihood as well as all the stress and strain of this ordeal has been very disturbing. 

Moving forward I will not bank with PNC ever again ; discrimination and communicative issues are so stressful ; your organization is so XXXX and hard for folks that want their hard-earned money in their account but instead it is place on a 3-year hold.

Make no mistake, I'm closing this account and believe I should not be charged any service fee since PNC has refused my deposit. I want to close my account and stay as far away from you as possible. its painfully obvious that being XXXX you have discriminatory behavior to our country. Why does PNC keep my money and refuses to deposit my money into my account? only PNC can answer that, Im disappointed in your bank, i just want what is mine and I want it immediately I'm tired of waiting for my money.

Feel free to contact me via e-mail or phone and inform on when i can expect my deposit. Lastly as you are aware from the calls my XXXX is not the greatest, so I want to give you permission to speak to my husband, ( XXXX XXXX a US Citizen ) for explanations and details on my behalf. XXXX can be reached on the following phone number XXXX XXXX XXXX. 

Your help and assistance in getting back my money from PNC is very important to me.

Company response to consumer: Closed with explanation