Money transfer, virtual currency, or money service -- Other transaction problem -- Complaint #12278216
Complaint Overview
Complaint ID: 12278216
Company: PNC Bank N.A.
Product: Money transfer, virtual currency, or money service
Sub-Product: Domestic (US) money transfer
Issue: Other transaction problem
State: Pennsylvania
ZIP Code: 19125
Date Received: 2025-03-01T12:00:00-05:00
Date Sent to Company: 2025-03-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I noticed that a deposit of {$650.00} was sent to my closed PNC account by XXXXXXXX XXXX XXXX informed me that the funds were automatically returned to PNC as an unsuccessful transfer. I reached out to PNC 's customer service via their messaging service on XX/XX/XXXX and requested confirmation of whether PNC received the returned funds and how I could claim them. I explicitly requested the ACH Trace Number or Proof of Return Credit under Federal Regulation E, as PNC is legally required to provide this information, even for closed accounts. However, the representative informed me that they could not provide the requested information through the messaging service and referred me to visit a branch. This response does not comply with Federal Regulation E, which mandates that the trace number or proof of return be provided within XXXX business days for any returned ACH transaction, including for closed accounts. Despite multiple follow-ups, PNC did not provide the required information. Instead, they insisted that I visit a branch to get the information, which I believe is an insufficient response as I am entitled to this information under federal law. I am filing this complaint because PNC failed to provide the ACH Trace Number or Proof of Return Credit for a returned ACH transaction, as required by Federal Regulation E.
Frequently Asked Questions
What is Complaint #12278216 about?
Complaint #12278216 was filed against PNC Bank N.A. regarding Money transfer, virtual currency, or money service specifically about Other transaction problem. It was received by the CFPB on 2025-03-01T12:00:00-05:00.
How did PNC Bank N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Money transfer, virtual currency, or money service) and describe your issue in detail.
Can I see other complaints against PNC Bank N.A.?
Yes, visit the PNC Bank N.A. company profile at readthecomplaint.com/company/pnc-bank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.