Date Received: 2024-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 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
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: XXXX XXXX XXXX XXXX, XXXX PNC Bank XXXXXXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Property Address : XXXX XXXX XXXX XXXX, AL XXXX THIS IS A COMPLAINT FOR RETURN OF SURPLUS FORECLOSURE FUNDS THAT PNC BANK STOLE FROM US AND ILLEGALLY APPROPRIATED FOR THEMSELVES. THE SURPLUS STOLEN IS AROUND {$35000.00}. Our property on XXXX XXXX XXXX XXXX, AL XXXX was foreclosed on XX/XX/XXXXXXXX XXXX please see attached Foreclosure Deed. This Complaint is to seek your CFPB 's assistance so we can receive the Surplus Funds arising out of the foreclosure. 1. The Foreclosure Deed indicates that the XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) was the highest bidder and paid {$220000.00}. 2. At the time of the foreclosure, we had an ongoing loan modification application, but PNC ignored it and proceeded with the foreclosure anyway. 3. At the time of the foreclosure sale, we estimate that we had an outstanding loan balance of about {$180000.00} XXXX. We put a downpayment of over {$90000.00} when we bought this house. 3. Thus, there should have been Surplus Funds of about {$35000.00} PNC provided an accounting of what happened to the surplus funds- why it was not returned to us. As it turned out, they used inaccurate, unjustified illegal, unsubstantiated and inappropriate additional interest and fees to completely " eat up '' and appropriate for themselves that substantial surplus funds arising out of the foreclosure sale. As previously indicated, PNC Bank owes us and should return to us the legitimate surplus funds of about {$35000.00}. XXXX XXXX XXXX
Company Response:
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have, been banking with pnc for a couple years and I been have issues since the past year of them being XXXX taking money from me denying me my disputes and not talking them seriously I also applied for a business loan with a cosigner who been with them for years they approved us and when they saw my ID they denied it and brought up some XXXX reason I have had bank tellers at XXXX XXXX in XXXX fl out there hands in my face yell at me and more I have been treated with no respect and they also called other banks for me to not get approved anywhere else if I am the creditor code 15 usc 1602 isn't this against the law also banks are required by law 12 usc 1431 to provide the loan I had all the right info
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I had accounts with PNC, XXXX, AND XXXX BANK. They just closed my accounts because I asked for larger amounts to deposit into investments elsewhere than the banks. They had suspicious reactions that I was being scam or otherwise. I am not involved in anything. I was suspended and found out just by trying to use my debit card. I had over {$170000.00} in my bank accounts from a home sale left over after investing {$150000.00}. I felt like I was treated like a criminal. I am a responsible XXXX who has never been in trouble before. They did give me my money back in a cashier 's check. I just want the government out of my business affairs. Please file charges on all three banks with the SEC and FDIC. Besides filing charges against all the banks for me. PNC, early 2023. XXXX in XX/XX/2023. XXXX XXXX XX/XX/2023 I was put on XXXX reporting. Please sue all. I had the hardest time finding a new bank. Cordially, XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: ** On XX/XX/XXXX, I originally called PNC Bank and reported all XXXX fraudulent charges as soon as I landed in XXXX from my flight. My phone alerted me of the fraudulent charges and I called PNC Bank immediately. I closed my credit card and PNC Bank initiated a temporary refund on my account. PNC Bank opened an initial investigation, which was shockingly deemed as " denied. '' I received this information via mail. I called PNC and requested my claim to be re-opened since the times in which the XXXX fraudulent charges were made, I was on a flight. To my dismay, I am being told once again that the claim is being denied. PNC has failed to provide me with the times in which the XXXX charges were made on XX/XX/XXXX. This is after I have repeatedly requested this information. They tell me that they can see the times on their end, but they are not releasing this highly important information to me. PNC will not release what category of vendor XXXX XXXX is. My credit card was fraudulently charged a combined amount of {$1200.00} and PNC can not tell me what was purchased for this total amount. Dear PNC Bank Fraud Dispute Department, I am contesting the results of the resolution regarding the fraudulent charges on our account ( credit card ending in XXXX. ) My husband and I were notified by letter from XXXX XXXX from the Dispute Resolution Department on XXXX/XXXX/XXXX that coverage for fraudulent charges was declined. We were informed that the reason for negative judgement was that it was deemed that transactions were made in person. We were informed that all XXXX charges were made within 3-minutes of each other. The timing of the charges coincides with the time we were on a flight from XXXX XXXX XXXX to XXXX. Copies of our boarding passes are included for reference. Furthermore, there are valid charges on our card at the XXXX XXXX XXXX that confirm our time and location. Although fraud claim rejection was based on the supposed physical use of the card, no one has been able to provide us with the exact vendor name and address where the card was supposedly used. We have been notified that the XXXX fraudulent claim charges made with our credit card ending in XXXX are not being honored and refunded. These are the charges - Merchant Name : XXXX XXXX Amount : {$330.00} & {$520.00} Transaction Date ( XXXX ) : XX/XX/XXXX Merchant Name : XXXX XXXX Amount : {$380.00} Transaction Date ( XXXX ) : XX/XX/XXXX We respectfully request that our claims be revisited and re-opened based on the hard evidence summarized and presented below : My husband and I ( the only authorized card holders and owners ) were both on a flight from XXXX XXXX to XXXX during the time that the XXXX fraudulent charges were made. Please see flight confirmation information below, along with our boarding passes attached. We traveled on : XXXX XXXX, XXXX XXXX - flight duration XXXX - XXXX Monday, XX/XX/XXXX. WE BOARDED THE PLANE AT XXXX on XX/XX/XXXX ( view attached boarding passes. ) All XXXX fraudulent charges were made within 3 minutes of each other at XXXX SEPARATE vendors/locations. We request that you ask the merchandizer ( XXXX XXXX ) for proof of purchase as to what we are being accused of purchasing. We have been told XXXX XXXX is the merchandiser for all XXXX contested charges. We would like to see a proof of purchase receipt. The {$44.00} XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) charge on XX/XX/XXXX was our approved charge for breakfast at the XXXX XXXX XXXX. Please view the timestamp of when this charge occurred as continued proof that we were at the airport and not making the charges we are being wrongfully accused of making. The {$14.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge on XX/XX/XXXX was our approved charge for XXXX coffee right before we got in a taxi cab to head to the airport. We were at the airport a half-hour after this charge was made. Since our credit cards ending in XXXX were physically with us during our travels ( at all times ) the likely scenario of what occurred is that the scammer physically scanned our credit card chip while our cards were in our pockets/purse. This is a known. advanced, scamming method that is becoming more and more prevalent. All evidence is pointing to this is how we were victimized. PLEASE VIEW OUR CONFIRMATION FLIGHT INFORMATION BELOW AND ATTACHED! We ask that justice be granted to us by our claims being honored. We have wrongfully been forced to pay {$1200.00} when all of our provided documents and information undoubtfully point towards fraudulent charges.
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My mother passed away XX/XX/23. I am the sole executor of her deceased estate. I rang the PNC Bank XX/XX/23 to find out what I needed to do to close her account and transfer the money to her deceased estate account with the XXXXXXXX XXXX XXXX XXXX. They advised I needed to send them a letter, which I did on XX/XX/23. I registered the letter with XXXX XXXX. The PNC denied receiving the letter, So I tracked the letter with XXXX XXXX and was advised that it had been delivered. On XX/XX/23 I rang PNC again and was advised that I needed to resend the documents as they had not received them. The person I spoke to asked me to ring back in XXXX weeks to follow up. I did resend the documents the next day, XX/XX/23. On XX/XX/23 I rang to follow up and spoke to XXXX, a supervisor. She told me that the documents had not been received and that the Executive Client Relationship Team would be in touch with me within 24hrs. I never heard from them. I'm following up with XXXX XXXX about the delivery of the documents and should have an answer in a few days.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My wallet was lost/stolen. I had requested out of safety of my account for the card to be replaced. PNC Bank charged a card replacement fee and asked for refund given the circumstance. PNC Bank refused to refund the fee. I ask for a mailing address to write a letter of formal complaint but was withheld this information from the banking XXXX. We ask the CFPB to please investigate and challenge PNC Bank for the reason they need to charge a card XXXX fee.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX XXXX XXXX I applied to a job that sent me a check only to find out the job was spam upon trying to cash a check that was received from the company to purchase equipment to work. Upon being advised Id cashed a fake check I acknowledged to the bank PNC that I was not aware the check was fraudulent until theyd notified me. Around the time of applying for jobs and receiving the fraudulent check my identity had been compromised. I made law enforcement aware of this and was advised to make a police report. Id placed a block on all of my personal information and credit. As of XX/XX/XXXX, Midland contacted everyone I can think of that I may know personally as well as people I dont know whatsoever to make them aware of this supposed debt that is owed. Midland stated I have a debt of roughly XXXX XXXX owed to XXXX separate companies, XXXX that I am unaware of aside from PNC . Midland threatened to garnish wages as well as provide a claim to a previous home address of mine and stated if the attempt to receive confirmation of my ID & /or signature were not obtained Id be forfeiting all possible options of a settlement. I do not agree with the settlement and therefore I am not going to pay on the settlement whatsoever. I also dont feel comfortable to verify any of my current information as Midland is very aggressive and rude with their employees as well as supposed couriers they use.
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: This is a second complaint against PNC Bank. PNCs previous response blamed XXXX XXXX XXXX XXXX for PNCs failure to honor valid external payment requests from me. I have attached four letters from XXXX which clearly states that PNC stopped the payment. Some of these rejected requests occurred after PNC acknowledged that I requested they remove any stop payment action. I did not authorize a stop payment for any of these transactions. PNC took this action without my consent. This has cost me considerably in fees and a hit to my excellent rating. Below is my original complaint. Around XX/XX/XXXX, I requested that PNC put a stop payment on a CD transaction with XXXX XXXX XXXX. PNC honored this request. I subsequently made several electronic payment request to XXXX for my credit card from my PNC account. PNC rejected these two additional payment requests. I keep around {$10000.00} in this checking account regularly, so I could not understand why the payments were rejected. When I called PNC to ask why my credit card payment requests were rejected, the customer service rep informed me that any payment requests to XXXX would be rejected until I removed the stop payment. I immediately requested the removal of the stop payment on XXXX XXXX XXXX. The agent removed the stop payment around XX/XX/XXXX and then told me that I could immediately make a payment to XXXX. I made the payment request in the amount around {$1000.00}, it was again rejected. I called PNC again around XX/XX/XXXX, another representative informed me that the stop payment on XXXX XXXX had been lifted and he assured me that I could immediately make a payment to XXXX. The payment was again rejected. I called PNC again around XX/XX/XXXX and spoke to a third representative who told me I could make a payment if I gave it a day or so, I asked that my concern be escalated to a manager since, I was now incurring costs and hits to my credit rating. Several days later, a PNC manager called me from the Escalation dept. at his manager told me that my request to remove the stop payment had been done previously and I could send XXXX the payments that were now late. She also informed me that she would listen to the prior calls and if I was provided with wrong information from PNC, they would reimburse me. I never heard from her again. Based on the escalation managers assurances that the issue has been fixed, I sent a fifth payment of over {$1000.00} to XXXX, which was again rejected around XX/XX/XXXX. Again, I keep around {$10000.00} in this checking account regularly, so there was no reason to reject the payment. I have been a PNC customer in good standing for over 25 years and a XXXX XXXX XXXX customer for over 40 years. PNCs rejection of a lawful payment request is not right and sounds illegal. I want PNC to honor my lawful requests, cease their rejection of my payment requests to XXXX XXXX XXXX, issue a letter from PNC to XXXX apologizing and explaining that the rejection of payments was an error on PNCs part, not the part of me, the depositor. I also want PNC to reimburse me for late fees and return check fees, I incurred from XXXX.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received a call from what seemed to be PNCs customer service number. A man who claimed to be with PNCs Fraud Detection department told me that there were charges being made to my account. I thought this was a legitimate bank employee and he asked me questions about my account, such as my login info and account information. After I realized this was not a legitimate employee, I hung up the phone. I later saw there was an unauthorized money transfer of {$1000.00} over XXXX on my account. I later called PNC bank to dispute this charge on XX/XX/XXXX and they have denied my dispute, even though I did not authorize this transfer.
Company Response:
State: MO
Zip: 64152
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A