Consumer complaint received 2025-07-31 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:
On XX/XX/XXXX, I received two insurance checks from XXXX XXXX XXXX totaling {$69000.00} due to a catastrophic house fire that displaced my entire family. The checks were : Check # XXXX for {$68000.00} Check # XXXX for {$440.00} ( already successfully cashed and paid out in full at same location ) Both checks were valid, originated from Spinnakers corporate claims department in XXXX, Indiana, and are not in dispute or under any investigation. I presented Check # XXXX at PNC Bank XXXX XXXX XXXX XXXX XXXX OH ) for same-day full withdrawal and deposit. 

Instead of honoring lawful presentment, PNC Bank refused to release the funds, despite all legal endorsements, affidavits, and UCC compliance being fulfilled. The smaller check had already cleared and been honored the prior day at the same branch with no issue. 

The larger check was endorsed as follows : 1. For Deposit Only Full Settlement 2. No Offset / Levy / Reporting Permitted 3. All Rights Reserved, UCC 1-308 XXXX Endorsed with ink signature + red thumbprint Accompanied by notarized affidavits and lawful ID exemption Audio-recorded presentment per UCC 3-501 Branch representative XXXX XXXX XXXX attempted coercion by summoning security to intimidate me, falsely claiming regional has to review it, and told me just deposit it and leave. I explained this was a private, non-taxable insurance settlement, and I was displaced with XXXX children due to the fire. They knew this and still chose to escalate harassment rather than provide service. 

I was forced to deposit the check under duress and protest. I then filed a Tier 3 escalation with PNC, which is now identified as Escalation ID # XXXX handled by a representative named XXXX, who has not responded had me wait on hold until closing time of XXXX EST to have agent say they are now closed and out of office to avoid and further hinder me and my family. 

This is now an open act of : Conversion and misappropriation of negotiable instruments Constructive fraud under UCC 3-419 and 3-501 Unfair and deceptive acts under 12 USC 5531 Violation of 42 USC 1983 deprivation of rights under color of law Violation of Regulation CC ( 12 CFR 229 ) delay of available funds Obstruction, coercion, and bad faith banking conduct FINAL DEMAND DEADLINE XX/XX/XXXX XXXXXXXX XXXX  EST I hereby demand that PNC Bank release the XXXX {$68000.00} by XXXXXXXX XXXX EST on XX/XX/XXXX, without garnishment, offset, reporting, or obstruction. If this is not fully resolved by noon, I will immediately file the following : XXXX. {$5.00} XXXX commercial lien against all responsible parties and bondholders 2. Criminal referral to the U.S. Treasury Inspector General and OCC 3. Complaint to the Office of the Comptroller of the Currency ( OCC ) 4. IRS Form 3949-A for obstruction and financial tampering 5. Civil tort claim and federal lawsuit for constructive fraud, emotional distress, and fiduciary breach 6. Public Notice of Dishonor and Fraudulent Conversion under UCC Articles 3 and 4 All evidence is preserved : Signed check images Video and audio recordings of presentment Email notices, red thumbprint endorsement, escalation ID, and affidavit package Witness confirmations and timestamps REQUESTED IMMEDIATE ACTION : Investigate the XXXX XXXX and XXXX PNC officials Enforce immediate full release of funds Audit the handling of this instrument and all associated surety bonds Flag all PNC corporate obstruction for Treasury-level review This is now a CFPB-protected and time-stamped record of dishonor and refusal. I reserve all rights. 

XXXX XXXX : XXXX All Rights Reserved, UCC 1-308 XXXX XXXX

Company response to consumer: Closed with explanation