Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.

Complaint narrative:
I am writing to follow-up with the following filed complaints : XXXX / XXXX / XXXX / XXXX. 

This message constitutes a final formal notice regarding a pattern of neglect, mishandling, and disregard for both my communication preferences and financial rights, leading to compounding emotional, academic, and economic harm. Your repeated email outreach, despite my explicit ( previous ) statement ( via CFPB filings ) that I do not wish to be contacted via email, is yet another violation of my consumer rights and preferences and further evidence of your disregard for the XXXX XXXX your failures to respect my rights and preferences are causing. During a documented call with your support agent ( recorded on your system ), I was informed that international wire transfers and ACH payments were disrupted due to internal system failures. While attempting to process an ACH transaction via XXXX, your systems failed to approve the transfer. Instead of providing a legitimate banking solution, I was advised by your employee to ask a friend to send the payment on my behalf, and to use XXXX to send funds to that friend, effectively asking me to circumvent your institutions broken infrastructure through private workaround methods. This is highly inappropriate, unprofessional, and possibly non-compliant under : The Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ), and Regulation E ( 12 CFR Part 1005 ) ; The XXXX XXXX Consumer Fraud Act ( XXXX XXXX. XXXX ) for deceptive or unconscionable business practices ; Banking compliance standards require you to ensure customers can lawfully access and transfer their funds through regulated channels. 

I have documentation of XXXX transfers as evidence of this workaround pattern that I had to go through for months. Due to the confidentiality of third parties involved, I will disclose these records only in the context of formal litigation, in line with my ( friends ) rights under the Family Educational Rights and Privacy Act ( FERPA ) and general privacy protections. 
In my effort to resolve this matter in good faith, I incurred personal costs, including charges for international calls to reach your customer service, expenses I have never submitted for reimbursement, despite your systems failure being the root cause. Furthermore, the constant demand for archival research, repeated follow-ups, documentation gathering, and XXXX XXXX communication all. At the same time, I remain a XXXX XXXX XXXX, which is causing escalating XXXX  and XXXX XXXX. I am required to meet tight deadlines, submit complex XXXX XXXX, and maintain housing XXXX  all while your institution fails to perform a basic banking function competently. I now formally demand that your institution : XXXX. Please cease all email communications with me and limit contact TO CFPB-authorized channels. 
XXXX. Provide immediate resolution of the international transfer issue, including written confirmation of any failed or delayed transactions and your internal error logs. 
XXXX. Acknowledge in writing the inappropriateness of your employees advice and commit to corrective measures and staff retraining. 
XXXX. Provide a written statement outlining how you intend to reimburse or address the additional financial and emotional harm caused by these events. 

I am facing a critical XXXX  and XXXX  deadline XXXX during this XXXX XXXX XXXX in XXXX, where XXXX  XXXX  shortages are well-documented. Due to PNC Banks internal failures in processing XXXX  rent payments, I am at risk of losing access to my housing. PNC Bank was made aware of all the risks and disruptions, yet it continues to mishandle the situation while disregarding my explicit communication preferences. I am notifying P NC Bank that they have XXXX ( XXXX ) business days from the date of my formal notice to resolve this matter. If PNC Bank fails to provide timely and appropriate redress, a fair resolution, and compensation for the financial, XXXX, and XXXX  damages caused by its actions and omissions, I reserve the right to : Pursue legal action under the XXXX XXXX Consumer Fraud Act, tort law for XXXX XXXX, federal EFT law, and applicable federal statutes, including the Electronic Fund Transfer Act ( EFTA ) and Regulation E ; Escalate complaints to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX Division of Consumer Affairs, the Office of the Comptroller of the Currency ( OCC ), and other regulators ; Seek compensatory damages in a court of law for the avoidable harm, stress, and disruption to my education and housing caused by this mishandling of sensitive financial transactions. 

This notice has been issued in full preservation of my legal rights and does not constitute a waiver of any claims. I request CFPB intervention to ensure timely compliance and resolution, as delays beyond the coming weeks could result in irreversible harm to my educational program and housing status abroad. 

Warm regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation