Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
SENT ( XX/XX/XXXX ) Dear PNC Bank, I am writing to express my profound disappointment and concern regarding the recent closure of my account and the abysmal customer service I have received. I find the bank 's actions to be unprofessional, discriminatory, and a blatant disregard for my rights as a customer and an individual with a XXXX. 



First, despite my explicit and repeated instructions to the contrary, PNC Bank continues to send unnecessary mail to my home address. This is not only a violation of my privacy, but also poses a significant threat to my safety, as I opened this account to establish distance from an abusive situation. The unwanted mail, which includes correspondence related to a closed account associated with my niece, demonstrates a troubling lack of respect for my wishes and an alarming disregard for my personal safety. 





Second, the bank 's handling of a recent XXXX transaction from my brother has caused me significant financial hardship and emotional distress. Despite having a history of successful XXXX transactions, this particular payment was inexplicably blocked. This, coupled with previous instances of blocked transactions and subpar customer service, leads me to believe that PNC Bank 's actions are discriminatory and potentially motivated by my race and/or XXXX. 



It is crucial for you to understand that I am a person with a XXXX. As such, I am particularly vulnerable to the stress and anxiety caused by PNC Bank 's actions. The fact that I was left stranded in XXXX weather without access to my funds is not only unacceptable, but also potentially life-threatening. While I apologize for any strong language used during my interaction with customer service, my distress was amplified by the cold, my XXXX, and the lack of empathy shown by your representatives. 



I find it unacceptable that I had to discover my account was closed upon waking up, with no prior notification via phone, email, or text. This abrupt action, coupled with the ongoing harassment of unwanted mail and the discriminatory treatment I have received, has left me feeling deeply violated and betrayed by an institution I trusted with my financial security. 



I demand a thorough investigation into this matter and expect the following : A detailed and transparent explanation for the closure of my account and the blocking of my XXXX transaction. 

A full refund of all fees incurred, including the {$50.00} unjustly withheld from my account. 

A formal apology for the unprofessional, discriminatory, and potentially life-endangering treatment I have received from PNC Bank 's staff.

Immediate action to cease all mail correspondence to my home address.

Assurance that PNC Bank will take concrete steps to improve its customer service, address internal biases, and ensure that such incidents are not repeated in the future. 

Please be aware that I am pursuing this matter further and will be filing formal complaints with the Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I trust that PNC Bank will treat this complaint with the seriousness it deserves and address my concerns promptly and professionally. 

THEIR RESPONSE : On Wed, XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX : Dear XXXX XXXX, Connecting with our customers is very important to us. A concern was recently brought to the attention of PNC Bank Executive Client Relations, for priority handling and oversight. I would appreciate the opportunity to discuss your concerns. 



My office hours are XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. You may reach me at XXXX. 



Please be advised that this is an unsecured form of communication. In efforts to protect your privacy respond only with general information. 



I look forward to speaking with you. 



Thank you, XXXX XXXX Officer, Executive Client Relations Specialist PNC bank PNC Certified Womens Business Advocate Direct # | ( XXXX ) XXXX Office # XXXX F | ( XXXX ) XXXX XXXX *Please note that email is an unsecured form of communication. To protect your privacy, please contact us by telephone at the number provided above. 



The contents of this email are the property of PNC. If it was not addressed to you, you have no legal right to read it. If you think you received it in error, please notify the sender. Do not forward or copy without permission of the sender. This message may be considered a commercial electronic message under XXXX law or this message may contain an advertisement of a product or service and thus may constitute a commercial electronic mail message under XXXX law. You XXXX unsubscribe at any time from receiving commercial electronic messages from PNC at XXXX : XXXX PNC, XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX ( 3 days ago ) to me Dear XXXX XXXX, XXXX have been attempting to reach you about a concern that was assigned to me for priority handling in Executive Client Relations. 



In order to advocate on your behalf, additional information is required. We are no longer actively reviewing your concern ; however, if you are able to provide additional information, please connect with me at your earliest convenience. 



Please contact me directly so this matter can be further reviewed. My office hours are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX You may reach me at XXXX. 



Please be advised that this is an unsecured form of communication. In effort to protect your privacy respond only with general information. 

I look forward to speaking with you, Thank you, XXXX XXXX Officer, Executive Client Relations Specialist PNC bank PNC Certified Womens Business Advocate Direct # | ( XXXX ) XXXX Office # XXXX F | ( XXXX ) XXXX XXXX *Please note that email is an unsecured form of communication. To protect your privacy, please contact us by telephone at the number provided above. 



HE CALLED WHILE THE POLCE WERE AT MY HOME- TOLD THE MAN COULDNT SPEAK TO HM.I WAS LATER MET W A RUDE EMAIOL THAT BASICALLY SAYS " EFF YOU AND YOUR PROBLEM I TRIED '' TIS MAN NEVER RESPONDED TO ME- DAYS WENT BY. I AM NOT OBLGATED TRO PCK UP THE PHONE FOR ANYONE!!!!!! 

( SENT XX/XX/XXXX ) XXXX XXXX XXXX, Executive Client Relations Specialist PNC Bank Dear XXXX XXXX, This letter serves as a formal complaint regarding the unacceptable treatment I have received from PNC Bank. I am deeply disappointed by the bank 's unprofessional conduct, which has caused me significant distress and jeopardized my safety. 

Despite my explicit and repeated instructions to cease all mail correspondence to my home address, PNC Bank continued to send unnecessary mail, including documents related to a closed account associated with my niece. This occurred even after I explained that I opened this account to establish distance from an abusive situation. The volume of unwanted mail XXXX pieces every other day was not only a violation of my privacy but also posed a direct threat to my safety. 

Furthermore, the bank 's handling of a recent XXXX transaction from my brother has caused me significant financial hardship and emotional distress. Despite a history of successful XXXX transactions, this particular payment was inexplicably blocked. This, coupled with previous instances of blocked transactions and subpar customer service, leads me to believe that PNC Bank 's actions are discriminatory and potentially motivated by my race and/or XXXX. 

It is crucial to understand that I am a person with a XXXX and am particularly vulnerable to the stress and anxiety caused by PNC Bank 's actions. The fact that I was left stranded in XXXX weather without access to my funds due to my account being inexplicably closed is not only unacceptable but also potentially life-threatening. 

To add insult to injury, I had to discover my account was closed upon waking up, with no prior notification via phone, email, or text. This abrupt action, coupled with the ongoing harassment of unwanted mail and the discriminatory treatment I have received, has left me feeling deeply violated and betrayed by an institution I trusted with my financial security. 

I demand a thorough investigation into this matter and expect the following : A detailed and transparent explanation for the closure of my account and the blocking of my XXXX transaction. 
A full refund of all fees incurred, including any funds unjustly withheld from my account. 
A formal apology for the unprofessional, discriminatory, and potentially life-endangering treatment I have received from PNC Bank 's staff.

Immediate action to cease all mail correspondence to my home address.

Assurance that PNC Bank will take concrete steps to improve its customer service, address internal biases, and ensure that such incidents are not repeated in the future. 
I am also filing formal complaints with the Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I trust that PNC Bank will treat this complaint with the seriousness it deserves and address my concerns promptly and professionally. 

Furthermore, I would like to address XXXX XXXX 's attempt to contact me during an active police investigation at my residence. This was an incredibly insensitive and inappropriate time to demand my attention. I will respond to inquiries at my own discretion, as I am not obligated to adhere to anyone else 's schedule. Thank you very much. 

To avoid further distress, I request that all future communication regarding this matter be handled via email. I will not be accepting any further phone calls from PNC Bank representatives, including XXXX XXXX.

Company response to consumer: Closed with explanation