Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XX/XX/XXXX, In branch ; DEPOSIT CHECK ACCT Cashier 's Check, {$9500.00}. XXXX, ATM Cardless ; DEPOSIT CASH ; CHECK ACCT {$3500.00}. XXXX SAVINGS {$5400.00}. XXXX, locked out of XXXX  XXXX, call c.s. go in branch withdraw cash, cc pending.in branch has to answer to? via email, I spend over XXXX hours waiting back and forthout of line, answering any question being asked? asked me a couple times where the maker was? can he come in?. i said, if he could he would, we just moved from XXXX XXXX XXXX XXXXXXXX and hes out of town looking for a house to live in. as well he is an XXXX that has limited physical mobility. i was going back and forth to help him and the closest branch if its open i mapped is XXXX hours away. that was not a likely task and it was not a guarantee that would satisfy my funds being released. set aside the cashiers check what about my CASH, CASH DEPOSIT? He was very sympathetic and was in the dark as i was.RE : check, WHERE, HOW, WHO, WHY? XXXX : cash, WHERE? .I return from lunch, the teller tells me this woman stopped emailing and is gone. Eastern time, XXXX hour difference.come back tomorrow, and call before hand and talk to him first to save a trip to XXXX teller says still no response from this XXXX letters dated XXXX come in mail, informing me ; because they tried to contact me and couldn't they, with my best interest at hand flagged my account for potential fraudulant activity, suspended all access, autopay, honor checks until I contact them.PNC letterhead, Reference # : XXXX. The other letter states a delay in the availability of my cashier 's check, provide general info asking if I have additional info to verify call, ... returned unpaid I'm liable for outstanding and the 5 days can extend to 10 days if so, another notice will be sent, ... and check mark we believe the cashier 's check may not be paid, our analysis deter mined need to verify it will be paid ... DEPOSIT FRAUD DETECTION ( no letterhead ) Reference # XXXX has been since XX/XX/XXXX, I am on the edge of a mental breakdown, Not a letter or an explanation. when I call the numbers pro vided in the XXXX letters I got, I did talk w a specialist that couldn't see my account status and she has been the XXXX person, employ ee, since this fiasco to inform and refer me to call another dept and gave me the phone number and a CASE NUMBER #, my account has been taken over by EFR control Execution Dept. While XXXX determined to call every number for PNC, XXXX or 3 times a day, i have noticed several c.s are very profession al and are very understanding, then there are a more that are nice until they come back from putting me on hold and literally have nothing but is there anything else I can do if not thank u for calling, very rude and no hope for a resolution. XXXX guy had a tone as if i was wanted for a bank robbery. the verification from the bank sending me a code by text is unreliable from each call i made. Some could some could not. Odd, c.s.would have to verify asking security questions if a code was not optional. 5/09, i demand a supervisor, and 1 would return my call asap. 1 did and would call on the following Mon, since Eastern time the dept was gone for the weekend. Depending on the c.s. rep.the few that reached out to the " dept '' advised me if i wanted to get more info and any response i have to go in a branch and have the banker reach XXXX, XXXXupervisor calls and gives me an ultimatum, the maker of the cashiers check can go to a branch with 2 ids to verify who he is if not were sending the cashierscheck back to the maker. i was outraged from her tone of voice. it was so assertive and judgemental and had no concern about how im affected by this order. XXXX, As instructed, I visit a different branch location and share my issue with the banker. He reached out via email the same dept and made an appt w me for XX/XX/XXXX, he would call at XXXX to confirm the appt and to be on standby in the event I needed to be there for this dept. via email. he called and informed me, no response, and all he could do is refer my concerns to the Escalation dept and to look for an out of state number to answer in the next 48 hours.The Escalation dept called and very pleasant not helpful. short patience and really an over rated dept no different than c.s. on the norm.She did inform me the bank has UP TO 30 days to review. I clearly asked what happens after the XXXX day? She could not provide an answer to my question and like the others ended the call saying is there anything else I can do for you? by now I stopped getting worked up and irate on the XXXX. etiquette that PNC provides in their training manual. I was able to borrow some money and cash XXXX XXXX cards to keep me a float last month. I've exhausted my resources and am in dire straights and imminent crisis facing 3 day notice and my common bills being revoked and turned off, and penalized. insurance, needless to say my medication and food on the table. I suffer from mental illness and take medication that is good for 2 months, after then,? as well, I rely on an inhaler, should I have an XXXX XXXX the pressure and feeling helpless is a heavy toll on my mental and physical health. The cash I deposited XXXX as well be gone, I have Bills To Pay, food, rent, emergency, and CAN NOT, because PNC has my back and is protecting me from the bad guys, The PNC, Bank is the criminal and XXXX in disguise. MOVING FORWARD. I lay off the calls waiting for 30 days to go by. it has XX/XX/XXXX. NOTHING has changed. I was able to get a password sent to me by mail to use for the app. I will try this at the bank, I made a call on the XXXX and recorded the conversation, and am going g in a branch to request money as suggested by the XXXX. fraud dept rep. I'm hopeful, if rejected, I will petition and file a TRO, which I tried and was turned down at the XXXX XXXX XXXX. Help. I'm starting here.

Company response to consumer: Closed with explanation