Money transfer, virtual currency, or money service -- Problem with customer service -- Complaint #15077225
Complaint Overview
Complaint ID: 15077225
Company: PNC Bank N.A.
Product: Money transfer, virtual currency, or money service
Sub-Product: Money order, traveler's check or cashier's check
Issue: Problem with customer service
State: California
ZIP Code: 94066
Date Received: 2025-08-04T12:00:00-05:00
Date Sent to Company: 2025-08-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Complaint Title Delayed check and Account Closure PNC Holding {$200000.00} Without Justification Complaint Narrative 1. Overview of the Problem On XX/XX/year>, I deposited two cashier check of $ XXXX that's amount the sum of $ XXXX. The {$200000.00} cashiers check, I deposited into my newly opened personal PNC Bank account ending in XXXX.The funds were transferred from my legitimate personal account at XXXX XXXX , The purpose of this transfer was to move the money into a new account for future investment. Shortly after the deposit, unknown third-party deposit transactions began appearing in my PNC account . I had no knowledge of these deposits or their sources.i reported for the reversal of the unknown deposit in my account I received a letter from pnc to extending the hold on my account for ten business days but not suspension of online account. After that my account I can't have access, online access suspended and now my XXXX is credited and available at my PNC account PNC then begin accepting deposits and never offer protection to my account, PNC suspended my entire account, including all online banking access. I never had access to my account my card was suspended too. I received no explanation or warning, only general letters stating that the account was placed on extended hold. The original cashiers check I deposited was placed on a standard 710 day hold and then kept on extended hold indefinitely. I sent an official letter via XXXX XXXX requesting an explanation for the prolonged hold, but I received no response. I also visited multiple PNC branches, including XXXX XXXX, where I was told a refund check would be mailed and the account would be closed and the unknown funds would be reverse.However, I only received {$1200.00} check The XXXXcheck never arrived, and I was never given any written confirmation It should be : I made a call to PNC customer care in XXXX, placed me on hold then hung up on me. I called back again, and did same thing. PNC dropped the calls on me. PNC x customer care ignored to assist me about my accounts.They never called back Later, I learned that PNC placed my funds into a DRU ( Dispute Resolution Unit ) and claimed that the IRS would reclaim my funds, which is completely unsubstantiated. The funds came from my personal XXXX XXXX account, and there is no IRS claim, seizure notice, or legal action against my account. 2. Attempts to Resolve I have made multiple good-faith attempts to resolve this directly with PNC : I visited multiple branches, including XXXX XXXX I sent a formal written demand via XXXX I made several phone calls and sent emails asking for status updates I requested my account be closed and a refund check issued I have received no detailed explanation, no tracking number, and no refund to date 3. Supporting Documents ( Available to Upload ) Cashiers check deposit proof from XXXX XXXX Account closure letters dated XX/XX/XXXX and XXXX XXXX Copy of my XXXX letter to PNC requesting release of funds Screenshots of similar case successfully resolved via CFPB and OCC Timeline and written notes of my communications and visits 4. Resolution Requested I respectfully request that PNC Bank be required to : 1. Release and mail my {$200000.00} check immediately 2. Provide written confirmation and tracking information 3. Explain in writing the reasons behind the prolonged hold and the XXXX placement 4. Ensure no negative reporting is made to XXXX or credit bureaus due to this issue 5. Harm Caused I have lost access to a large sum of money for over three months PNC failed to provide proper notice, justification, or communication Ive experienced financial stress, repeated inconvenience, and time wasted traveling to branches and writing follow-ups 6. Urgency PNC promised to issue a check within 10 business days of closing my account. That timeline has long passed, and I still have no access to my funds. I am requesting your immediate help in resolving this issue and holding PNC accountable
Frequently Asked Questions
What is Complaint #15077225 about?
Complaint #15077225 was filed against PNC Bank N.A. regarding Money transfer, virtual currency, or money service specifically about Problem with customer service. It was received by the CFPB on 2025-08-04T12:00:00-05:00.
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.