Consumer complaint received 2025-08-20 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:
PNC Bank False Statements to Federal Regulators and Retaliation proof. 

To : Consumer Financial Protection Bureau Re : EMERGENCY - False Statements to CFPB by PNC Bank Related Cases : XXXXXXXX XXXX XXXX XXXXXXXX ( OCC ) EXECUTIVE SUMMARY : PNC Bank made FALSE STATEMENTS to CFPB in their XX/XX/year> response, claiming my account " remains open '' while planning immediate closure. Account was actually closed XX/XX/year>, proving systematic deception of federal regulators during active investigation. PNC is now using a pretextual automated bill payment failure as justification, when the real reason is continued retaliation for filing CFPB complaints and legitimate fraud disputes. 

DETAILED COMPLAINT : PNC 's False Statements to CFPB : In their XX/XX/year> response to CFPB ( attached to previous cases ), PNC explicitly stated : " PNC is unable to substantiate the Account was ever closed '' " As of the date of this response, the Account remains open '' " On XX/XX/year>, PNC completed their review of the Account activity, and the hold was removed '' PROOF OF SYSTEMATIC DECEPTION : On XX/XX/year>, PNC closed my account, proving their XX/XX/XXXX statements to CFPB were deliberately false. Account closure letter received ( reference : [ closure letter details ] ). 

Timeline of perjury XX/XX/year> : PNC tells CFPB " Account remains open '' XX/XX/year> : PNC closes account ( XXXX  days later ) Clear evidence : Statements to CFPB were false when made PNC 's Pretextual Justification : Approximately XXXX weeks before closure, an automated bill payment attempted to withdraw from my restricted account with {$0.00} balance, which PNC had made inaccessible through their systematic restrictions. PNC will likely use this declined payment as justification for closure. 

Why This " Justification '' is False and Retaliatory : Account restrictions : PNC prevented all account access, making balance management impossible {$0.00} balance : Result of their forced branch-only withdrawals during systematic harassment Automated payment : Oversight due to inability to manage account through normal banking channels Timing : Payment failure occurred during ongoing CFPB investigation Real reason : Continued retaliation for exercising federal rights The Retaliation Timeline : XXXX XXXX  : Legitimate fraud disputes filed with police reports Immediate retaliation : Account restrictions, app disabled, forced branch visits CFPB complaints filed : Additional verification harassment implemented XX/XX/year> : False statements to CFPB claiming account open XX/XX/year> : Automated payment fails due to their restrictions XX/XX/year> : Account closure using payment failure as pretext Federal Violations Committed : 1. False Statements to Federal Regulators : 18 USC 1001 - Knowingly false statements to federal agencies Deliberate deception during active CFPB investigation Material false statements affecting regulatory proceedings 2. Obstruction of Federal Investigation : Misleading CFPB about account status Interfering with regulatory oversight Bad faith response to federal inquiry 3. Systematic Retaliation : Account closure AFTER CFPB complaints Pretextual justification to disguise continued punishment Escalated violations during regulatory investigation Creating conditions for payment failures then using as closure reason Pattern of Institutional Bad Faith : This false statement proves PNC 's systematic approach to deceiving regulators : Evasive responses to legitimate complaints Misleading statements to federal authorities Manufacturing pretexts for retaliatory actions Bad faith institutional response to oversight The Pretextual Nature of Closure : Real reason : Retaliation for CFPB complaints and fraud disputes Pretextual reason : Payment failure they engineered through restrictions Timeline proves : Closure planned while telling CFPB account was open Bad faith : Using consequences of their violations as justification for more violations Why This is Critical : Federal regulators must be able to rely on bank statements Perjury to CFPB undermines entire regulatory system Pretextual closures enable systematic customer abuse Criminal behavior while under federal investigation Impact on Previous Cases : PNC 's false statements invalidate their entire XX/XX/XXXX response and prove : Systematic bad faith in all regulatory responses Unreliable institution requiring enhanced oversight Criminal intent to obstruct federal investigation Pattern of manufacturing justifications for retaliatory actions Immediate Regulatory Action Required : Criminal referral to Department of Justice for false statements Emergency intervention to stop ongoing violations Enhanced penalties for obstruction of federal investigation Investigation of pretextual account closures industry-wide Requested Resolution : Immediate criminal investigation of false statements to CFPB Maximum civil penalties for systematic deception and retaliation Congressional notification of institutional perjury Industry-wide precedent for truthfulness to regulators Investigation of systematic pretextual closure practices Personal accountability for individuals who authorized false statements PNC 's XX/XX/year> CFPB response claiming account " remains open '' Account closure letter dated XX/XX/year> Timeline proving false statements to federal regulators Documentation of systematic account restrictions preventing normal banking Pattern of systematic deception and retaliatory bad faith CONCLUSION : PNC Bank committed lied XXXX XX/XX/XXXX to federal regulators while under active investigation, then manufactured a pretextual justification for closure through their own systematic restrictions. 

I had stated in my original complaint that they are going to close the account as retaliation for filing disputes where my wallet was stolen. They followed up exactly with that and therefore any explanation provided for account closure is pretextual. 

This represents the most serious violation of regulatory trust possible and requires immediate criminal referral and maximum enforcement action. No financial institution should be permitted to systematically lie to federal authorities and use pretextual justifications for continued retaliation. 

This case now involves possible federal crimes committed against CFPB itself and demands the strongest possible regulatory response Case References : XXXX, XXXX, XXXX OCC Reference : XXXX

Company response to consumer: Closed with explanation