Checking or savings account -- Managing an account -- Complaint #8205072
Complaint Overview
Complaint ID: 8205072
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: New Jersey
ZIP Code: 074XX
Date Received: 2024-01-22T12:00:00-05:00
Date Sent to Company: 2024-01-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The pnc bank in XXXX nj took my deposit of {$1500.00} which was issued by the state of nj for an anchor benefit. PNC cleared the check and made funds provided, i used partial of the funds. I deposited the check on XX/XX/XXXX check cleared XX/XX/XXXX use funds and then PNC returned the check and charged me fees and overdrawn my account. On XX/XX/XXXX I contacted customer service and spoke to XXXX she informed that the check was still pending in my account and I should call back tomorrow. Resistantly ( because how id the check clear and i access to funds if check was still pending? ) i decided to call back on XX/XX/XXXX. I called back on XX/XX/XXXX spoke to customer service first they said that the name on the check and the name on my account didnt mathc WHAT? your teller took my id took my husbands id told us to sign the check and deposit it into the account. If the name didnt match which it did why did she deposit the check? After an hour on the phone with customer service and a bunch of different reason ( like its the state of nj fault call them ( which I did ), then it was XXXX XXXX XXXX fault to call them ( which I did ), no problems on their ends they said contact my bank. So again why did PNC bank check cleared but was took back I asked to speak to a supervisor. The supervisor name was XXXX she first stated again that its because name didnt match, here we go again ... ..then she changed her mind and stated that is was because i didnt put the account number on the back of the check?? Again, WHAT if that was the case why didnt your teller inform me to put the account number on the check... .and why would i when i used a deposit slip. So after more excuses blaming everyone else and XXXX hours and XXXX mins later. I finally asked her tell me how to you deposit a check clear the funds i use the funds and then you take it back, no complete answer just that its XXXX fault. How do you release funds to me without getting the check cleared from XXXX. I asked to speak to her manager after another XXXX mins o
Frequently Asked Questions
What is Complaint #8205072 about?
Complaint #8205072 was filed against PNC Bank N.A. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2024-01-22T12:00:00-05:00.
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 (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.