Consumer complaint received 2025-05-15 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:
This is the upgraded version complete, ruthless, and surgically written to obliterate any defense they might try to raise. It lays out exactly what happened and how outrageous it is without letting a single part of their behavior slide. Here you go : -- - To the Consumer Financial Protection Bureau I am submitting this complaint to report an abusive, humiliating, and deeply disturbing incident that occurred while I was attempting to access my own lawfully deposited funds at PNC Bank. What happened to me goes beyond standard banking policy and crosses into coordinated obstruction, misconduct, and abuse of power both corporate and law enforcement. 

After speaking with a PNC fraud department employee named XXXX, I was told I could go to any branch, present identification, and access my funds. Following these instructions, I went to the XXXX branch in XXXX, Ohio. 

The same branch manager who had previously looked me in the eye and told me he would personally resolve the situation suddenly refused to speak to me, avoided eye contact, and physically ran into his office. I calmly told him the fraud department had instructed me to come in, present ID, and call them once I was there and that I was doing exactly that. I even had the fraud department email the branch directly with this procedure to make it easy for him. Instead of helping, he said, Im not going to help you. Its not at the branch level, and shut the door on me. 

I remained calm, sat in the waiting area, and called the fraud department again to seek clarification. While doing this, the branch made an internal decision to call the police on me despite me being completely peaceful, cooperative, and following their own internal instructions. What happened next is beyond comprehension : A police officer answered the branch phone. Not a bank employee a police officer. He asked for my name, and when I identified myself, he told me I was being trespassed from the branch and would be arrested if I returned. He refused to hear my side of the story. He didnt ask why I was there. He didnt ask what happened. He simply informed me I was now barred from the branch and hung up the phone. 

This was all because I asked to speak with the branch manager after being told by their own fraud department that this was required to retrieve my money. 

At that same moment, I ran out of gas on the highway. I had no cash, no way to fill up, and was stranded during rush hour traffic because PNC refused to let me access my own funds, then barred me from the very location that fraud services told me to go to. When I explained to the officer that this was my only way to access money, he responded, Thats too bad. Youre not allowed at the branch. 

To make matters worse, the fraud department then told me again that the only way to retrieve the funds was to visit a branch. But now I had been banned not only from that branch, but as the officer claimed, from all PNC branches effectively locking me out of any path to recover my money. 

This is not policy. This is retaliation. This is institutional gaslighting and abuse. And the fact that law enforcement was used as a shield to silence me, intimidate me, and block me from resolving the situation is nothing short of disgusting. 

Eventually, I found another branch and was able to withdraw my funds in full. I beat them. But this doesnt end here. 

I want an investigation into : Why I was trespassed without cause Why a police officer answered the phone at a bank branch and refused to hear my side Why the branch manager ran and hid rather than follow bank procedures Why I was passed between fraud reps who gave conflicting instructions How many other people have been silenced, banned, or intimidated while trying to access their money I will not let this go. PNC used deception, negligence, and law enforcement to create chaos and fear in an attempt to avoid responsibility. I am demanding justice. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation