Consumer complaint received 2025-12-15 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:
Company : PNC Bank, XXXX. 
Branch Location : XXXX XXXX XXXX XXXX, Florida Date of Incident : XX/XX/year> * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Nature of Complaint : Discrimination, unfair treatment, improper refusal to cash a valid check, and unprofessional conduct by branch employee. 
* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Complaint Narrative : I am submitting this formal complaint regarding a deeply disturbing and unacceptable incident that occurred at the PNC Bank branch located at XXXX XXXX XXXX XXXX on XX/XX/year>. 

When I entered the branch to cash a check, the teller immediately looked me up and down in a suspicious manner. Before conducting any meaningful review or verification of the check, the teller became loud, hostile, and confrontational. In full view and hearing of other customers in the lobby, she raised her voice and publicly accused me of being a fraud, stating that this belief was based solely on the way I looked. 

The teller further stated that she would get fired if she cashed the check because she believed it was fraudulent. These statements were made without proper investigation, verification, or justification. Her tone and conduct were aggressive, humiliating, and entirely unprovoked. 

The teller then ordered me to leave the branch and instructed me to call the issuing bank to prove the check was legitimate. I complied. Outside the branch, I contacted the issuing bank, which promptly and unequivocally verified that the check was valid. 

Upon returning to the branch, I was assisted by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. After I explained what had occurred, she directed me to a different teller, who processed my transaction without issue. The original teller who had publicly accused me of fraud was no longer present when I returned only XXXX minutes later. 

I am a longstanding PNC customer who previously maintained balances exceeding {$70000.00}. The conduct I experienced was discriminatory, degrading, and wholly inconsistent with fair banking practices and customer service standards. Publicly accusing a customer of criminal activity without factual basis constitutes reckless and harmful behavior and undermines trust in the banking system. 
* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Harm and Impact : This incident caused significant emotional distress, humiliation, and reputational harm, particularly because the accusation of fraud was made publicly in front of other customers. I no longer feel safe or confident conducting business at this branch under these circumstances. 
* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Requested Resolution : I am requesting that PNC : Conduct a thorough investigation into this incident ; Take appropriate corrective and disciplinary action consistent with internal policy and applicable law ; Provide written confirmation of the outcome of its review; Ensure staff are properly trained to prevent discriminatory or abusive treatment of customers in the future. 

This complaint is submitted in good faith and is not intended to waive, limit, or release any legal rights or remedies I XXXX have.

Company response to consumer: Closed with explanation