Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
CFPB Complaint Draft- PNC Continued Retaliation and Inadequate Response To : Consumer Financial Protection Bureau Re : PNC Bank Continued Retaliation - Follow-up to Cases XXXX, XXXX, XXXX EXECUTIVE SUMMARY : PNC Bank continues systematic retaliation against me for filing legitimate fraud disputes backed by police reports. Their XX/XX/scrub> 2025 response to CFPB completely ignored my core complaints about ongoing account restrictions, disabled app access, and forced branch visits. Post-response verification confirms continued violations, proving their response was false and misleading. 
DETAILED COMPLAINT : PNC 's Inadequate CFPB Response : PNC 's XX/XX/scrub> 2025 response failed to address my primary complaints : Ignored : Ongoing account lock and access restrictions Ignored : Disabled mobile app preventing basic banking Ignored : Forced branch visits during work hours ( XXXX XXXX  ) when branches close at XXXX XXXX  Ignored : Systematic verification harassment post-complaint Provided : Irrelevant dispute timeline filler instead of addressing retaliation Continued Retaliation Post-Response : After receiving PNC 's inadequate response, I tested their claims by calling PNC Result : immediately stated " go to branch '' - proving their response was false and restrictions continue unchanged. There is no phone support also despite verifying the text code -- - another retaliatory move. 
Systematic Harassment Through Branch-Only Access : Work schedule : XXXX XXXX  - XXXX XXXX  ( standard business hours ) PNC branch hours : Close at XXXX XXXX  ( impossible access ) Nearest XXXX XXXX  branch : 15-20 miles through heavy traffic Result : Forced to take unpaid leave for basic banking needs Timeline : Restrictions began immediately after legitimate fraud disputes Police-Documented Fraud Claims : XX/XX/scrub> 2025 : Wallet stolen, unauthorized transactions totaling {$790.00} XX/XX/scrub> 2025 : Second wallet theft, unauthorized transactions totaling $ XXXX Police reports : Filed for both incidents with case numbers provided PNC response : Initially denied XXXX claim despite police documentation and false explanation given in response -- merchant verified transaction ( of course, since the card was stolen ) Retaliation began : Immediately after final dispute credits issued Comparison with XXXX  XXXX  : XXXX XXXX  ( routing XXXX ) processed identical fraud dispute professionally : No account restrictions or forced branch visits Normal app/phone access maintained throughout 3-day resolution without harassment 19-year relationship with consistent professional service Goodwill letter appreciating long-term relationship This contrast proves PNC 's treatment is retaliatory, not standard banking practice.

Pattern of Evasion : PNC has consistent history of avoiding core issues : CFPB response : Ignored main complaints, provided dispute timeline filler Previous interactions : Refused explanations, generic responses only Current status : Continues same restrictions while claiming no retaliation Ongoing Violations : Account access : Still restricted to branch-only Mobile app : Remains disabled preventing basic banking functions Phone service : Still directed to branch visits even after verifying everything.

Work disruption : Continued forced unpaid leave for banking needs Financial hardship : Unable to access direct deposit without branch visit.

Federal Violations : Regulation E retaliation : Punishing customer for exercising dispute rights Unfair practices : Making basic banking conditional on work disruption Bad faith response : Misleading CFPB while continuing violations Systematic harassment : Institutional policy of customer punishment Requested Resolution : Immediate restoration of normal account access ( app, phone, online ) End forced branch visit requirements for basic banking Compensation for work disruption and systematic harassment Regulatory investigation of systematic retaliation policies Public enforcement action to protect other customers Supporting Evidence : PNC 's XX/XX/year>025 CFPB response Police reports for both fraud incidents Documentation of continued " go to branch '' responses post-CFPB letter XXXX XXXX  XXXX  handling comparison Timeline proving retaliation correlation with dispute resolution Conclusion : PNC 's response proves they have no intention of addressing systematic retaliation. They continue punishing me for being a crime victim who exercised federal rights, while providing misleading information to regulators. This pattern requires immediate CFPB intervention to stop ongoing violations and protect other customers from similar abuse. 
Respectfully submitted, XXXX XXXX XXXX References : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation