Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/XXXX I was notified by my business partner that her account was frozen and to check mine to see if it was the same. I called PNC bank and come to find out, our accounts were frozen on XX/XX/XXXX due to " suspicious activity '' for deposits and cashier 's checks. The person who is holding the accounts says it looked suspicious that my partner is receiving so many tax refunds to her account and then paying me in cashiers checks. we are tax XXXX and preparers. my partner is a XXXX holder with the IRS, who has software and bank products with XXXX XXXX bank. me along with other employees & contract workers that work under my partner and I, are XXXX holders and we all get paid when all deposits are sent to my partner from XXXX XXXX bank for preparation fees= tax planning, notary services, bookkeeping and all tax needs, which are funds that are approved from the IRS for our services. I was asked to provide documents to show proof of income and why I was receiving the large amount of money i have and where it came from. i provided substantial amount of documents for proof immediately from my tax software and bank product partner software and was told it would take 30 days to verify and for a decision on my account. It has been well over 30 days, today is XX/XX/XXXX. the only response Im getting is the person who has my account on hold claims they emailed the IRS and is waiting on a response from the IRS to verify the cashier 's checks i received from my partner and the deposits she received from XXXX XXXX bank is not fraud. I have evidence that the IRS does not respond to taxpayers or bank institutions by email of any sort for identity protection purposes. We believe this person over our accounts is not taking this matter seriously and not doing their proper due diligence from the information we provided to verify our account immediately and release the hold. At this point, we are starting to feel discriminated against and plan to seek legal action and news coverage on this matter. My Partner & I are experiencing financial hardship right now and she is facing eviction due to this bogus misunderstanding matter. Our business and livelihood is in jeopardy. As well as employees not receiving income they have worked hard for. We are behind on bills and payroll. The lady over our accounts called my partner this morning XX/XX/XXXX At XXXX to inform her that she technically have until XXXX of XXXX to wait for a response from the IRS- XXXX who is never going to respond to her through email ), before she release the hold if she wants. There has to be something done immediately to resolve this matter. We need someone else over her head to look over our documents and this matter. We never received any notices, emails or nothing explaining whats going on or what actions thats being taken to help resolve this frustrating matter. Me and My partner are in compliance with our job as tax professionals. We have been in business over 7 years and has never had this problem with any banks or tax partners. Our earnings for the business and myself is legit, accurate, AND WELL EARNED this tax season. We have reached out numerous of times by phone and going into a branch offices to try to fix this matter

Company response to consumer: Closed with explanation