Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I opened an account on XX/XX/2018 online and was approved for a Virtual Wallet with Performance Select account to take advantage of the new account online rewards up to {$300.00}. The establish total qualifying deposit of {$5000.00} or more to the new account. Also I would need to make at least 10 purchases with PNC Bank visa Debit card linked to the new account. 

The new account was funded with {$2000.00} via bank transfer from my XXXX XXXX XXXX XXXX savings account # XXXX. I was unable to deposit the entire amount online per their initial deposit online statement so I was waiting to receive my new banking information to deposit the other {$3000.00}. I had also gone ahead and set up my biweekly payroll direct deposit to ensure that I met the qualifying deposit stipulation of this new account. 

I printed off the approval email sent to me from the bank and received my ATM card on XX/XX/2018. I called the number on the card to activate which per the recording this was set up without any problems. I followed the prompts to get assistance in setting up my online banking and heard the recording say that I had a XXXX balance in my account. This prompted me to request to speak to customer service to determine why and get further clarification. I was on hold 30 minutes before being able to speak with a live person. I was then transferred to 4 different departments and neither area gave information about why I was being transferred so I had to repeat the same question over and was placed on hold each time. After 45 minutes of this, I had to hang up and return to work figuring I would just follow up once I was off work. When I dialed back to XXXX and attempted to put my ATM card information in to again follow the prompts it did not recognize any of my previous information that I had put in as identifying information. I then proceeded to call the number that was on PNC website and was greeted by XXXX in Retail Escalation group and was told that my account was now closed b y PNC. When asked why, she said that PNC did not have to give me a reason and it was closed with no further notes to advise and I would receive a letter and hung up the phone. I called back and spoke with another person by the name of XXXX who advised me to go to a PNC bank because she couldn't see my online account and would not be able to help me. I advised that I was trying to determine why this account was now closed since I had already had my upcoming payroll information set up for direct deposit and I needed to know what happened so I could fix it. She said there was nothing further she could provide and the bank can approve and then decide to later close your account for no reason at all and not required to provide customer with a reason. I went o my local PNC bank on XXXX  XXXX XXXX in XXXX, GA and asked to speak with a personal banker and was told that I could speak with a teller instead. When I asked the young lady to look into my concern, she confirmed the account had been closed at this time and I would receive a letter in the mail but since I was there she could print it off for me as a reference. She also said if I had any further questions I could contact the phone number listed on the letter provided along with the reference number. I called and was told that there was no additional information that they could provide, PNC just decided to close my bank and didn't have to provide me with any reason. The rep also added that any monies owed to me would be sent in a certified check and I was to give the ATM card to the teller at that time. With all this being said, I know that my credit worthiness is not an issue and I've never had any business relationship with PNC that I'm aware of so not sure what may have or may not have happened after I activated by bank card and I wasn't able to get any answers from any PNC associate. 

Fast forward to XX/XX/2018, My account was closed for no apparent reason but I receive another email from PNC about how to obtain my {$300.00} cash reward for opening a new PNC Virtual Wallet with Performance Select account. ( Please see attachments provided as proof of account information )

Company response to consumer: Closed with explanation