Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against PNC Bank regarding unfair banking fees and unprofessional customer service practices that have negatively impacted me during a time of severe financial hardship. 

XXXXssue Summary For the past six months, PNC Bank has been charging me a XXXX XXXX monthly service fee, totaling {$150.00}, despite my current unemployment and homelessness. These fees have placed an undue financial burden on me, making it even more difficult to manage basic necessities. Given my situation, I contacted PNC Bank Customer Service to request a refund of the past six months of fees and a waiver of future fees while I work to regain financial stability. 

Instead of receiving assistance or a fair review of my request, I encountered rude, dismissive, and unprofessional treatment from a PNC Bank representative. The agent refused to escalate my request to a manager and told me I needed to wait while stating that they had other customers to attend to. I was made to feel as though my financial struggles were an inconvenience rather than a matter deserving of attention. 

Request for CFPB Assistance I am seeking the CFPBs intervention to hold PNC Bank accountable for the following : Unfair fees PNC Bank has continued to charge me excessive service fees despite my financial hardship, which goes against fair banking practices and consumer protection principles. 
Lack of hardship accommodations PNC Bank has failed to provide any assistance, fee waivers, or hardship programs, despite my clear need for financial relief. 
Unacceptable customer service The dismissive and unprofessional treatment I received from PNCs customer service department further demonstrates the banks lack of commitment to fair consumer treatment. 
Regulatory Considerations I believe PNC Banks actions may violate consumer protection laws and regulations, including : The Truth in Savings Act ( 12 CFR Part 1030 ) : Banks are required to clearly disclose all fees and provide transparent customer service regarding waiver options.

The Community Reinvestment Act ( CRA ) : This regulation encourages banks to provide fair services to low-income and financially vulnerable customers. 
Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) under the Dodd-Frank Act : PNC Banks unwillingness to work with me despite my financial hardship raises concerns about unfair banking practices.

Requested Resolution I respectfully request that the CFPB : Investigate PNC Banks unfair fee practices and lack of hardship accommodations for financially vulnerable customers.

Assist in securing a refund of the {$150.00} in service fees that PNC Bank has charged me over the past six months.

Ensure that PNC Bank offers clear and fair hardship options to customers experiencing financial distress.

Address the customer service concerns, ensuring that PNC Bank representatives are trained to handle hardship requests with professionalism and empathy. 
I appreciate the CFPBs commitment to protecting consumers from unfair banking practices. I look forward to your guidance on how this matter can be resolved. Please contact me at your earliest convenience for any further information needed to support my claim. Please call me anytime at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation