Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX - deposit check, teller verified check was endorsed properly and completed transaction. Check was deposited, cleared and funds in the account XXXX. 

XXXX - personal check provided to roofing company, post-dated XXXX. 

XXXX- Roofing company cashed check, check was cleared by PNC with funds available in account. 

XXXX - Check returned to PNC for irregular endorsement. Funds removed from account, causing negative balance and previously paid bills were returned for insufficient funds. 

XXXX - We tried using our debit card and were denied. At this point, we thought we had been hacked, as no communication was provided. We contacted PNC and XXXX XXXX not sure last name, but conversations were recorded by PNC from day XXXX ) let us know the check was returned and to contact the insurance company. 

XXXX - Contacted insurance company and were told to use the returned check again or they would provide a new check. Was advised to use whatever came to us first. 

Days later, the check was returned. We brought it to the mortgage company for endorsement. A few conversations were had between me and XXXX XXXX recorded by PNC ). It was stated the teller made an error. We were told our account will be placed in ledger more, so it would not be closed until we figured things out. Our direct deposits continued to be accepted by PNC each week and deducted from the negative balance. We did not have access to these funds during the entire time this ordeal went on. 

XXXX - Check deposited by PNC teller, once again, stating endorsed properly. Check deposited, cleared and funds available in account XXXX. We proceeded to pay our now past due bills a second time. 

XX/XX/XXXX - Check was returned to PNC for irregular endorsement. Funds were immediately removed from the account and previously paid bills were once again returned for insufficient funds. 

We received the check again and drove to the roofing company for endorsement. The check now is endorsed by us, roofers, and mortgage. 

XX/XX/XXXX - Deposited check into the savings account, teller certified check was endorsed properly. Check was deposited and cleared. Funds were made available and we proceeded to pay our severely outstanding bills. 

( Since we no longer have access to our account, we are not sure of exact dates moving forward ) Check was returned for the XXXX time. The insurance company voided the check without our knowledge. We went through the process of getting proper endorsements with the new insurance check. That process took several weeks. 

XXXX - New check with proper endorsements was brought to PNC to be deposited and right our account. The teller let us know our account was closed on XXXX and could not explain why. We immediately called XXXX and she PNC is choosing to no longer do business with us. We have spoken to several other PNC employees and have not gotten any help. 

XX/XX/XXXX - We had to miss work to open a new bank account at XXXX. We deposited the insurance check and they let us know it would take XXXX  days to clear. 

XX/XX/XXXX - Received notice in mail we were denied opening an account at XXXX. 

PNC reported us to XXXX and we can not open a new bank account. We have no place to deposit our paychecks. 

Our credit reports have dropped over XXXX points in XXXX  months. Our lenders have charged us late fees. We make over {$200000.00} a year and can not access our money. 

We still have a $ XXXX insurance check that we can not cash.

Company response to consumer: Closed with explanation