Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have strong indication that the PNC IRA Department is conspiring and covering up details on my accounts. This has gone on since XXXX XX/XX/XXXX when my mother died and needs an immediate investigation. 

XXXX XX/XX/XXXX : I requested the following Rationale/reason PNC refused to transfer IRAs " as requested '' multiple times to the beneficiary ( her husband ) from period of XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. 

Rationale/reason PNC refused to accept artifacts, documentation from PNC Bank Branch manager from XX/XX/XXXX through XX/XX/XXXX. 

Rationale/reason PNC will not accept Pennsylvania Letter appointing me as executor for my fathers estate. IRAs prior to his death and because he was the beneficiary his joint bank account and all his assets ( to include my mothers IRAs ) are needed to be deposited in the Estate PNC bank account I created. As executor it is my responsibility to gather all assets pay all bills and go through probate process. PNC has prevented this transition for 18 months.

EXAMPLES of statements made by PNC Staff members within the last 10 days : -no one informed us of your parents deaths -We have no record of any thing on subject of IRAs -We can not review or consider documentation you submitted because your name was not in the subject line -We can not use any documentation or requests received prior to receipt of short certificate- We can not accept or resond to e-mail request which is not a secure means of communication.

Facts : PA law did not require probate or estate to be opened for my mother, because my father was beneficiary and had coordinated with the IRA Department requesting transfer of her two IRAs to his PNC account.

I have been contacted by the PA Department of revenue to pay inheriteance tax but PNC Bank refuses to transfer IRAs to the Estate Account.

IAW Deprtment of Revenue I have 9 months to pay inheritance tax following death. 
My family has tried for 18 months for PNC to release my mothers IRAs to my fathers estate for which I have been appointed executor. Executors must check the estate 's value to pick the right probate process. This makes settling and giving out assets to heirs easier. 

My Attorney even called your IRA Department to ask them to look at this case since it's non probate IRAs. PNC is in default and are not compliant with the law as my father and now me should have received the funds upon request. 
dentifying Probate vs. Non-Probate Assets A distinction exists between probate assets and non-probate assets, which is important for determining if an estate meets a probate threshold. Probate assets are those owned solely by the deceased or as tenants in common, meaning they do not have a designated beneficiary or a right of survivorship. These assets must pass through the probate court for legal transfer. Non-probate assets transfer directly to beneficiaries outside of court supervision. These assets have a legal mechanism for automatic transfer upon death. Common examples include life insurance policies and retirement accounts, such as 401 ( k ) s or IRAs, that have named beneficiaries.

Company response to consumer: Closed with explanation