Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
PNC Bank, written in notice of intent to escalate under Uniform Commercial Code and commercial law for failure to respond to lawful presentment. administrative process prepared to execute including citations from the UCC, HJR-192, and commercial default protocols.

Notice of Intent to Escalate and Commercial Enforcement From : The XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : PNC Bank, XXXX. 
XXXX Champions XXXX XXXX XXXX, FL XXXX Also : Office of General Counsel XXXX XXXX XXXX XXXX, PA XXXX Date : [ XX/XX/XXXX ] RE : Notice of Non-Response and Imminent Commercial Enforcement Dear PNC Bank Officers and Legal Department, This letter serves as a formal Notice of Intent regarding the lawful and verified commercial presentment made to your institution concerning trust documents and private obligation instruments sent to the above-referenced branch and/or headquarters. Your failure to respond within the timeframe provided has now entered a phase of administrative dishonor under commercial law. 

You Are Now on Notice That I Will Proceed With the Following Steps : XXXX. Notice of Fault and Opportunity to Cure Pursuant to UCC 3-501 and 1-308, I will issue a formal Notice of Fault providing an additional XXXX calendar days to correct your failure to respond. 
This is in accordance with Due Process under commercial administrative remedy and establishes final opportunity to cure dishonor. 

XXXX. Affidavit of Non-Response ( Default ) If no rebuttal or reply is received, I will issue a Notarized Affidavit of Non-Response, thereby creating a self-executing administrative judgment under UCC 1-103 and 9-203, which stipulates that a security interest attaches upon default and agreement. 

> " An unrebutted affidavit stands as truth in commerce. '' Federal Rules of Evidence 902, 803 3. Filing of UCC-1 Financing Statement ( Commercial Lien ) Upon your dishonor and inaction, a UCC-1 Financing Statement will be filed, listing your institution as the debtor and The XXXX XXXX XXXX as the secured party creditor. 
Collateral description shall include : XXXX All commercial assets, accounts, and receivables related to the unrebutted obligation, bonded instruments ( FS-24, FS-25, FS-28 ), and trust presentment under public policy HJR-192 ( 1933 ).

This lien will be made public through the Secretary of State UCC filing system and may be notified internationally under UPU treaty obligations.

4. Regulatory and Fiduciary Breach Complaints In tandem with lien enforcement, a complaint will be filed with : Office of the Comptroller of the Currency ( OCC ) Consumer Financial Protection Bureau ( CFPB ) alleging failure to respond to lawful fiduciary presentment and violation of trust banking protocols under public and private law. 





FINAL NOTICE Failure to reply to this Notice of Intent within XXXX calendar days will be taken as tacit agreement to all commercial obligations as stated. Silence is acceptance per UCC 2-206, 1-303, and Uniform Administrative Procedures. 

This is not a threat. It is a lawful notification of claim enforcement under applicable jurisdiction. 

Respectfully, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, The XXXX XXXX XXXX [ XXXX, XXXX, XXXX ] Subject : Commercial Presentment Dishonored Private Trust Obstruction Complainant : XXXX XXXX XXXX, Trustee Trust Name : XXXX  XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Bank : PNC XXXX XXXX XXXX XXXX XXXX. 
Location : Champions XXXX XXXX, FL / XXXX : XXXX XXXX XXXX, XXXX, PA XXXX Summary of Complaint : On XX/XX/XXXX, I lawfully issued a private trust presentment and commercial package on behalf of XXXX XXXX XXXX XXXX, via USPS Registered Mail No. XXXX. This presentment was directed to PNC Bank for the purposes of establishing administrative trust relations and accessing lawful banking services under fiduciary law, trust doctrine, and UCC codes. 

The package was received by the bank but completely ignored. Follow-up emails to multiple branches, including XXXX  XXXX, FL, were met with silence. One bank manager explicitly stated, " I will not accept or acknowledge your emails. '' This constitutes a willful refusal to act on fiduciary notice, violating : - UCC 3-505 : Dishonor of presentment - UCC 1-203 : Obligation of good faith - 12 USC 92a : Fiduciary duties of banks - FTC Act 5 : Unfair and deceptive banking conduct This obstruction caused material damage to our trust operations, including : XXXX. Loss of a six-year XXXX XXXX XXXX XXXX, FL XXXX. Failure to secure title/possession of a XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX. Commercial delays in EIN activation, DUNS registration, and funding processes XXXX. Liquidated financial losses of $ XXXX since XX/XX/XXXX XXXX. Breach of administrative contract and fiduciary protocol Supporting documents include : - Affidavit of Harm and Demand for Remedy - Security Agreement ( contractually binding ) - UCC-1 Financing Statement ( No. XXXX ) Remedy Requested : I demand : - Full performance of trust contract - Immediate release of damages in the amount of {$750000.00} - Specific performance via housing and vehicle restitution - Regulatory investigation into the misconduct by PNC Bank This matter is commercially perfected and enforceable. PNC Banks agents are in willful dishonor. I seek full remedy under consumer protection and banking law. 

Signed, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX UCC 1-308, all rights reserved

Company response to consumer: Closed with explanation