Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
the list of damage this has caused is so long that i had to copy and paste it from the page beacause it timed out. around 5 hrs.so if it seems out of order its because its that bad. so, I was interested in buying XXXX, so I created a XXXX account and tried to save money on a XXXX XXXX XXXX  I found one that I thought was worth buying on XX/XX/year> XXXXXXXX XXXX for around $ XXXX {$250.00} ( I'm not 100 % sure the amount it's been so long fixing this where I lost it and the account data only gives specific time. I tried to pay with my debit card from PNC because it was the only method I had for paying online. it didn't work once so I assumed I put the card info in wrong. I tried a few more times. and thought something was wrong with it so I tried to use XXXX which seemed to work so I left for a bit to tell my brother the news. since he already had one. then I returned and found the order canceled and my XXXX accounts payments XXXX. I didn't know it at the time, but it let the XXXX through, but PNC kept declining it looks like it eventually triggering XXXX automated antifraud, stolen card, etc system. by the time PNC called to make sure it was me it was too late, and the payments were XXXX. after that they didn't contact XXXX to say it was me. I thought at the time that the account was meant for XXXX XXXX and I could just make an account specifically for the vXXXX later. when I finally just decided to eat the full cost because I couldn't find another deal, I bought it for full XXXX XXXXXXXX. I went home to try it out and set it up. tried creating an account for the XXXX  and it sent me immediately back to first account with disabled payments. I stuck another ticket into their support system knowing that their automated systems built to look like they have one when they don't. then I tried logging in through a referral program through a text to find the account permanently suspended. I can't tell if it triggered because I put in a ticket for an account, they thought they discouraged me from using, they thought me trying to create was evasive action for the payment ban pnc caused or they just didn't want the account being linked to a paid for item that they would actually have to have customer service for. either way PNCs unethical random prevention of payment led to a full ban from XXXX. I appealed it, they asked for a photo to identify, which I knew was just another way to keep me from making another account, said they would send the results to the email and never did. It only showed up on the account a nonappelable ban. I downloaded the account data from XXXX and since it was only for XXXX XXXX  at the time there was very little data. the attempted payment method changes failing were the only thing there. basically blacklisted from XXXX I visited the branch of pnc where the account was initially made. well, I think the account was made there I've had the account since I had a bank account never used another bank so a long time ago. I was met with exactly what I expected from a large company let to grow out of control and lack of regulations. I heard it was probably blocked because the product came from out of state from a smaller seller since it was someone selling one, they didn't want. then I was told I have to contact XXXX about the account repeatedly despite saying they would not contact me or let them appeal the issue they insisted I contact XXXX and refused to contact them to tell them that it was actually me trying to use my card instead of someone else and they flagged the card wrong. I asked the person there to give me to sign the documents she was giving me. she said she could not. my parents tried to get her to more before I told them she can't do it pnc has it in place for legal issues. they were like pnc can't do that or they wouldn't do that some reason pnc wouldn't be covering up stuff right before she said something like no he's right I'm not allowed to sign it for legal reasons. nice to know our countries highly ethical companies default to cover it up leave no evidence. probably not the smartest of her to confirm my suspicions, but its not like I got proof I was there since you know not allowed to get show I was there. Anyway, we ended up asking her to make a formal complaint and she said I would get an email. I never got an email, just pnc calling to make sure I made recent payments because you know when you formally complain about something the first move is to do it again and basically accuse the complainer of fraud instead of fixing the issue. I got support online later. Basically, the same but in text. since it was online I was able to get screenshots. anyway, I ended it by saying I wanted it fixed by the end of the ski season since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX still nothing as far as I can tell. Even gave them extra time to deal with it, but no sign of them attempting to fix or compensate for the extremely large amount of damage to my life. before we even get to long term problems the error cost me {$300.00} on the XXXX XXXX. to add to that issue XXXX posted for a job designing the XXXX XXXX with a pay of about {$300000.00} a year XXXX XXXX XXXX XXXX. it was the first job post I saw that I was actually qualified for. i met all their requirements if I remember right and have worked for an optometrist so i would have some insights into eye related issues. the best part was it was the first one that didn't expect years of experience that I didn't have. I can't say there's a guarantee that i would have got the job but I was overqualified, and it would have given me an opportunity to shape something I felt mattered. after semi recent events my feelings towards the company have gone from mild dislike to, they must be shut down hate so can't say I would apply after the issue, still I wouldn't get the chance even if I wanted it. then there's also the money I could have saved on XXXXXXXX XXXX along with not being able to buy things not listed elsewhere. to add to that what finally got me to buy it was the tools like gravity sketch that could help me work with organic shapes, to ad to the list of issues this also prevents me from using the system for more personal use like games. XXXX seems to keep there XXXX XXXX  accounts separate for now, however I live in fear of XXXX day wakening up to find that they decided to share the data between the systems. this fear has pretty much limited use of the {$500.00} XXXX XXXX to a game that wipes every few months. because well it wipes the game like XXXX eventually will my account. I can't use gravity sketch because things like that require lots of time input and are currently accessible in XXXX with some sort of experiment with another platform. and the whole point of it was for more professional use so it kinda defeated the purpose of getting it so I basically have a {$500.00} paperweight. to add to that I was going to try to use it to be more active for health reasons. I now fear any issues related to this spreading and went from just a professional and personal email to having like 9 different emails constantly in fear of what might happen from this next. and on top of that XXXX  is a data and marketing giant. even if I create ideas this impedes access to marketing of those ideas and data whether from XXXX itself or just collecting it by looking at the accounts and messaging about opinions. PNC has only shown effort to try and cover their trail and deny any responsibility. and while I wanted to just let it go and not spend more time fighting it, I recently learned XXXX is partnering with XXXX to make a XXXX this sounds like its just a game, but it's attached to a XXXX account which I use for everything, like web browsing and filling out this complaint to logging into my computer accessing files, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I use the account for almost everything and spend more time using it then not doing something with it. this issue has already been a nightmare and now can expand to basically the end of life as I know it. its bad enough I lost access to XXXX, now I spend every other day worrying about losing access to a XXXX that I'm to scared to use with literally no other options that are remotely close to its price, like seriously then next closest XXXX system is like double the price, and many of the other ones go far beyond that. not to mention not only do they cost more but their community is much smaller since XXXX has basically a XXXX  meaning software 's going to be primarily for XXXX systems. and I risk it spreading to seriously important things in my life. and this doesn't include time related to the issue. The ban started on new year 's eve and the payment disabled on XX/XX/year> XXXXXXXX XXXX they have had more than enough time to fix it. and fear of freezing the bank account and other issues has slowed a lot of my life down a lot. not to mention companies typically expect for those in lawsuits to pay legal expenses for high end top lawyers who cost more than many will make in their lifetime which is extremely intimidating. they really need to add a law making it so that only reasonable expenses can be covered instead of people being required to pay insane prices. not like I had any faith in the legal system to begin with. anyway, point is I'm only able to do this complaint because the majority of my money is out of the account. and even then I'm scared to submit this.

Company response to consumer: Closed with explanation