Published
July 2, 2026
Florida PNC customers who kept getting collection letters after asking the bank to stop could be covered if a class is ever certified.
Allegations Only · No Settlement Yet
This article describes a class action complaint. The statements below are unproven allegations. PNC has not been found liable, there is no certified class, and nothing to claim at this time. This page is informational and is not legal advice.
What Is This About?
A proposed class action accuses PNC of continuing to send debt collection letters to a Florida customer after she told the company to stop contacting her. The complaint, Keturah v. PNC Financial Services Group, Inc., was filed on May 27, 2026 in Florida state court in Duval County (Case No. 16-2026-CA-003687, Fourth Judicial Circuit). On June 22, 2026, the case was removed to federal court, where it is now pending as Case No. 3:26-cv-01620 in the U.S. District Court for the Middle District of Florida, Jacksonville Division.The suit is brought under the Florida Consumer Collection Practices Act (FCCPA), a state law that — unlike its federal counterpart — applies to original creditors such as banks, not just third-party debt collectors. The named defendant is PNC Financial Services Group, Inc., the Pittsburgh-based parent company of PNC Bank. PNC has not been found liable, and the allegations are unproven.
Status
Complaint Filed · May 27, 2026
Keturah v. PNC Financial Services Group · removed to M.D. Florida on June 22, 2026
Core Allegation
Collection letters after a stop-contact request
Alleged FCCPA violation · Fla. Stat. § 559.72(7)
Proposed Class
Florida consumers · 24-month window
People sent PNC collection communications after asking it to cease contact
Can I Claim?
No — nothing to claim yet
No settlement, no fund, no claim form; class not certified
What the Complaint Alleges
According to the complaint, PNC began attempting to collect a consumer debt from the named plaintiff, a Duval County resident. In or around April 2025, she allegedly told PNC by phone to stop contacting her. The complaint says that despite receiving that request, PNC sent her another collection letter on or about May 22, 2025.That letter, attached to the complaint as an exhibit, allegedly read: "Dear Customer: The above referenced deposit Account is closed with a negative balance due of $708.21. Here's what you need to do: Please pay the outstanding balance due by sending a cashier's check or money order."
The complaint claims that sending a collection communication after a consumer has asked for contact to stop amounts to willful conduct that can reasonably be expected to abuse or harass the debtor, in violation of Section 559.72(7) of the FCCPA. The plaintiff alleges, on information and belief, that PNC sent thousands of similar letters to consumers in Florida and nationwide after those consumers requested that contact cease. PNC has not yet responded to the allegations in a public filing, and a court could conclude that a routine account letter of this kind does not violate the statute.
What Is the FCCPA?
The Florida Consumer Collection Practices Act, Fla. Stat. § 559.72, lists nineteen collection practices that are prohibited in Florida. Subsection (7), the provision at issue here, bars any person from willfully engaging in conduct that can reasonably be expected to abuse or harass a debtor or a member of the debtor's family.A key feature of the FCCPA is its reach. The federal Fair Debt Collection Practices Act generally applies only to third-party debt collectors, but the FCCPA applies to any "person" collecting a consumer debt — including the original creditor, such as a bank collecting on its own accounts. That is why a bank can be sued directly under the Florida statute in a case like this one. Florida debt-collection statutes have produced consumer settlements before, including the Sarasota Memorial medical debt class action settlement.
Under Fla. Stat. § 559.77(2), a prevailing plaintiff can recover actual damages plus additional statutory damages of up to $1,000, along with court costs and attorney's fees. In a class action, aggregate statutory damages for the class are capped at the lesser of $500,000 or 1 percent of the defendant's net worth. Whether any damages will be awarded here has not been decided.
Who Could Be Covered?
The complaint proposes a class defined as all consumers with Florida addresses who were sent a collection communication by PNC, or by someone acting on its behalf, in an attempt to collect a debt, after the consumer requested that PNC cease communication — during the 24 months preceding the May 27, 2026 filing.The complaint estimates the class numbers in the several thousands, though it acknowledges the exact size and membership can only be determined from PNC's records through discovery. No class has been certified. Until a court certifies a class, no one other than the named plaintiff is a party to the case, and the class definition could change or the case could be dismissed.
Is There a Settlement or Claim Form?
No. This is a recently filed lawsuit, not a settlement.That means:
• There is no settlement fund.
• There is no claim form.
• There is no payout and no deadline to act.
For any money to be distributed, the case would first have to survive PNC's expected responses to the complaint, then win class certification, and then either settle or prevail at trial — a process that can take years and may not succeed. If a class is ever certified and a settlement or judgment results, a formal claims process with its own eligibility rules and deadlines would be announced separately.
What Happens Next?
Because the case was removed to federal court, the next steps will play out in the Middle District of Florida. PNC is expected to answer the complaint or move to dismiss it, and the plaintiff will eventually move for class certification if the case survives. Debt-collection class actions can also face early fights over standing — federal courts have dismissed some consumer-protection suits where the plaintiff could not show a concrete injury, an issue we covered in a recent FDCPA standing dismissal. We will update this page as the docket develops.Frequently Asked Questions
Is there a PNC debt collection settlement or claim form?
No. This is a newly filed class action complaint, not a settlement. There is no settlement fund, no claim form, and no payout. PNC has not been found liable, no class has been certified, and there is nothing to claim at this time.What does the PNC lawsuit allege?
The complaint alleges that a PNC customer verbally asked the company to stop contacting her in April 2025, and that PNC nonetheless sent another collection letter on or about May 22, 2025 seeking payment of a $708.21 negative balance on a closed deposit account. The suit claims this violated Section 559.72(7) of the Florida Consumer Collection Practices Act, which prohibits willful conduct that can reasonably be expected to abuse or harass a debtor. These are unproven allegations.Who could be covered by the proposed class?
The complaint proposes a class of Florida consumers who were sent a collection communication by or on behalf of PNC, in an attempt to collect a debt, after asking PNC to stop contacting them, during the 24 months before the complaint was filed on May 27, 2026. No class has been certified, so coverage could change as the case proceeds — or the case could be dismissed.What damages does the FCCPA allow?
The Florida Consumer Collection Practices Act allows a court to award actual damages plus additional statutory damages of up to $1,000 per plaintiff, along with court costs and attorney's fees. In a class action, aggregate statutory damages are capped at the lesser of $500,000 or 1 percent of the defendant's net worth. Whether any damages are awarded in this case has not been decided.Sources
• Court records — Keturah v. PNC Financial Services Group, Inc., Class Action Complaint, No. 16-2026-CA-003687 (Fla. 4th Jud. Cir., Duval County, filed May 27, 2026); removed as No. 3:26-cv-01620 (M.D. Fla., June 22, 2026).• Fla. Stat. § 559.72 — Prohibited practices (Florida Senate)
• Fla. Stat. § 559.77 — Civil remedies (Florida Senate)
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Status
Complaint Filed — Allegations Only
Case Title
Keturah v. PNC Financial Services Group, Inc.
Case Number
3:26-cv-01620 (M.D. Fla.)
Court
U.S. District Court, Middle District of Florida (Jacksonville Division)
Date Filed
May 27, 2026 (state court); removed June 22, 2026
Defendant
PNC Financial Services Group, Inc.
