Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Please note that PNC was issued TWO demand letters. Their claim of progress, should not be accepted as the demand letter emphasized two things ; XXXX and disbursement. They have also been supplied with all information needed to complete the transaction of a requested wire and any notification that deviates from informing CFPB a direct transfer was completed should be regarded as a failure to comply and an open, unresolved compliance case. Submitted will be that demand for disbursement. At the close of day XX/XX/XXXX, I was informed that they will be mailing out checks instead in violation of the terms and a third and very specific demand has again been sent. 

I believe based on this turnaround that XXXX XXXX who at the start intended to do a wire, was overruled by a superior officer based on contents in correspondence that was received. I also believe that the checks issued twice before, the refusal to initially split the check until a letter to departmental heads was sent, and subsequent fraudulent routing and account information were all racially motivated and a hate crime. PNC has now been issued a THIRD demand and per breach of the other letters, has accepted payment of all legal fees associated with fund recovery. 

Documents sent as a customer included proof of XXXX and with full disclosure, has failed to comply as a matter of right ; an ethical violation. They have also been informed that XXXX right to reasonable accommodation is mandatory and no other tender will be accepted based on that law and civil trespass which included listing false balances to be negative on a positive account and then sending that fraudulent account to collection agencies, a felonious crime and possible ID theft. 

Any claim by PNC of any other disbursement method are to be considered a breach of contract and an XXXX violation of compliance under law. They have been given until the end of day on Monday for disbursement via transfer ONLY and well within my rights. This discriminatory conduct has been consistent and unrelenting and I believe the Executive Client department is engaging in conduct unbecoming and malicious intent. 

Due to this, I have informed the institution that due to bullying and strong-arm tactics, a a pattern of discrimination due to both race and XXXX, tampering, deceptive business practices and fraud including trespass I have decided it best to cease any attempt of civility and continued efforts to cause distress and financial harm has failed. It is a necessary step that will shift all future contact to the affected male third party directly., simultaneously creating a witness to fraud and deception. I am convinced doing so will create instant cooperation among the staff. 

LETTER OF DEMAND This demand letter includes a disclosure clause that PNC gives full authorization to display evidence of misconduct, orally or written, ALL forms of correspondence in relation to this matter including third-party attempts to recoup losses. They ( PNC ) are also responsible for the disbursement of funds not received including a XXXX XXXX returned {$250.00} transfer from XXXX sent on XX/XX/XXXX and yet to be distributed by PNC after closing of accounts, overdraft fees incurred as a result of deliberate computer trespass via a false frozen claim on a linked non-PNC account and accompanying documents. 

AUTHORIZATION OF RECORDS The authorization to disclose and/or display records shall be effective and binding starting XX/XX/XXXX with no end date on any forum, at any time, publicly or privately without recourse and shall be acceptable evidence of PNC compliance on any filed counter measure, complaint, and claims of violation and/or revocation requests.

Company response to consumer: Closed with explanation