Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Hello. This complaint is in regards to my business account being on hold for over XXXX  days now. I have had this account since XXXX. I sold my business in XX/XX/XXXX so this account was barely used since then. I deposited XXXX government issued checks ( XXXX XXXX XXXX XXXX XXXX  checks ) totaling over $ XXXX on XX/XX/XXXX into my account. The checks were not put on hold at the time of the deposit. A letter was sent to the business address on XX/XX/XXXX advising of a hold of maximum XXXX  days on the checks. But I was not aware of this letter being sent because the business was sold and I am not at the address anymore. Not knowing anything about the letter, I went back to a PNC branch located in XXXX XXXX  on XX/XX/XXXX to withdraw the funds and close the account. After XXXX minutes of talking to XXXX, I was told she could not help me ( without giving me any information or details or mentioning the letter ) and asked me to come back on Monday XX/XX/XXXX and she will be able to help me. Only thing I was told was that the checks need to be cleared ( Even though their hold policy on their website states that checks issued by the government will not be put on hold regardless of the amount ). The next day I log in to my PNC online portal to find out that there is a hold on my ENTIRE account ( not just the checks deposited ). I call the XXXX # and I am told to call the branch to get more info as to " why '' the account is on hold. I called the branch on XX/XX/XXXX and left a message but no one called me back. So I called the XXXX # again to get an update. And yet again, I was told to call the branch because the call center had no access to what the branch was doing. I called the branch and left a message with a staff member but no one called me back. I wait a few days and call the XXXX # again. This time the rep told me that the account was put on hold on XX/XX/XXXX for 30 days by XXXX. I asked why but was again asked to call the branch. And as usual, the branch did not call me back. 

It has been over 30 days now and I have called countless times with no resolution. I have filed a complaint with their internal department with a lady named XXXX with no outcome. The only thing she says is that the account is under investigation and I have no choice but to wait. I asked her the reason for the investigation but she says she doesnt have the info. I am asked to call yet another department- XXXX XXXX Investigations - but they dont ever answer the phone. I have left XXXX voicemails and have yet to receive a call back from that department. The last call I made was on XX/XX/XXXX ( after the 30 days were up ) to the XXXX #. I was told that they still dont have any updates and there is no timeframe that they can give me, it could be XXXX or XXXX or even more days. 

I am not sure what investigation they are referring to. NO ONE from any department has reached out to me with any questions pertaining to this so-called investigation. I have been waiting patiently but almost 40 days have passed and I am still not able to receive any answers or access my funds. 

Any help would be greatly appreciated. 
Thank you

Company response to consumer: Closed with explanation