Checking or savings account -- Managing an account -- Complaint #5104409
Complaint Overview
Complaint ID: 5104409
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Arizona
ZIP Code: 85351
Date Received: 2022-01-12T12:00:00-05:00
Date Sent to Company: 2022-01-12T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/09 I made a deposit into my checking account for about {$100.00}. At the time my account was negative about {$15.00}. XXXX I use my debit card to pay for a night stay at XXXX XXXX XXXX XXXX XXXX XXXX I go to atm to deposit cash to pay for another night and the ATM says my account has been deactivated- I call the bank they say my account is closed for inactivity for 30 days. - it was not inactive as I just made a deposit and purchase the prior day. I looked up their regulations on closing accounts and a customer has 60 days of inactivity before closing. - after phone call I check my mobile banking app it shows my account is still active with a XXXX balance. - I call the customer service number on back of the card it says " your account is active with a balance of XXXX dollars. '' But this was not being reflected on the app. - XXXX I visit a PNC branch on XXXX XXXX and XXXX XXXX The woman teller was clearly not wanting me to view specific information. When I asked for a printout of my transaction history she responded with " sure I can give you your last transaction '' I ended up getting a list of the last XXXX months. - I see MULTIPLE unauthorized transactions, and incoming deposits that were being blocked by the bank so I go home and call the customer service number. - I talked with about XXXX different people whom all sounded like they had no education in banking. They kept saying there's nothing I can do. - I got to a lady who was able to go over the account history with me and what she had in her system was completely different than the printout they provided me at the bank. For example, on my printout it says a company deposited XXXX dollars on a specific date. In the lady 's system it showed that instead that company withdrew XXXX dollars. It showed no deposit. - XXXX I call the bank and they refuse to acknowledge my concerns and say there's no manager, they only give me their first names after asking for my full name XXXX and social. - They said the transactions coming in can be placed into my savings account. I don't use this account so I looked online to make sure it was still active and it happens to close today. - my identity got stolen a while back and this is probably the XXXX business I've came across that is misusing my information to do fraudulent crimes.
Frequently Asked Questions
What is Complaint #5104409 about?
Complaint #5104409 was filed against PNC Bank N.A. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-01-12T12:00:00-05:00.
How did PNC Bank N.A. respond to this complaint?
The company responded with: "Closed with monetary relief". 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 (Checking or savings account) 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.