Date Received: 2023-03-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I got my card, physically stolen from me I had {$1200.00} in my bank account and the theft went over that {$1200.00} by {$600.00} and when I disputed it they kept denying it even though I had proof it wasnt me but since I have my own house and I have automatic payments, they didnt approve the dispute, because there is still authorized activity, but that same authorized activity was throughout the account since XX/XX/2020 I didnt realize that my account was being charged until XX/XX/XXXX and I immediately went into the branch a PNC in XXXX XXXX and got a new card a new pen and disputed it. They gave me my money back proved it, and then took it away again saying that a got denied. Now they want me to pay money that I dont have. I dont have the funds for it because I own my own home and Im XXXX XXXX XXXX and theres purchases that I could not buy from like vape shops only XXXX and you have to be XXXX and I have given them proof Ive XXXX to speak with them come in anytime even equal it out to XXXX move on. But at this point, I want my money back.
Company Response:
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Hello, My complaint happened on XXXX, XX/XX/2023, after the XXXX XXXX XXXX hour at the PNC bank located at XXXX XXXX XXXX XXXX, XXXX, FL. I went to the drive through to cash a check, as I have an account with PNC and the check was written to me from a Realty company that also has an account with PNC. I was recently married and had not yet changed my name on my PNC account. However my State ID had been changed to reflect my married name and the check was written to me using my new married name. I presented the check, my ID, and my account information to the teller. I had asked that she cash and deposit the funds to my checking account. She returned and stated she could not cash and deposit the check because my last name was different that my account name. I then asked her to just cash the check from the realty account. She came back and said she can not cash the check either!!! I asked her why was there an issue cashing the check off of the account it was written from as my ID and the check had the exact same name. She refused, I asked to speak with a manager. The manager was unavailable. I was in the drive through line over half an hour trying to get a resolve. Finally, the teller stated she could cash the check " if '' I signed my name as it appeared on my account. I asked why would I do that because the check was not written to me using my old name and she didn't have to cash it using my account, use the account it was written from She refused and stated the manager was still unavailable.. I became frustrated and ask that she just return my check. I phoned PNC to make a complaint and was told I should receive a call within 24 hours. I went to a different PNC bank and was able to cash my check without an issue. I felt I was disrespected and mistreated. I don't feel anyone should be treated as such from one bank location to another. They should operate under the same procedures.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a letter ( dated XX/XX/XXXX ) from PNC Bank titled " Required notices regarding the Private Mortgage Insurance ( PMI ) on your loan. '' This letter provides two methods of how PNC will cancel the PMI. The two methods PNC Bank provided in the letter are : a. request to cancel PMI b. Automatic cancellation of PMI Page two of this letter states the two requirements for automatically canceling the PMI. The first requirement says that when my loan 's principal balance reaches 78 % of the property 's original value. I contacted PNC In XX/XX/XXXX requesting the automatic cancellation of the PMI based on the information PNC provided in the first requirement of the page two letter dated XX/XX/XXXX. The PNC agent informed me that the PNC Bank would cancel the PMI automatically. Also, I told the PNC agent that the PMI should have been automatically canceled in XX/XX/XXXX since my principal balance has attained 78 % of the property 's original value. Also, I requested PMI reimbursement from XX/XX/XXXX, when my principal balance reached 78 % of the property 's original value. The PNC agent acknowledged and stated that the PNC Bank would process my request for the PMI automatic cancellation. In XX/XX/XXXX, I did not see the reflection of the PMI cancellation on my mortgage account and requested automatic cancellation of the PMI based on the letter dated XX/XX/XXXX. I contacted PNC Bank concerning the PMI automatic cancellation. I provided the information in the letter dated XX/XX/XXXX and the information the agent told me in XXXX to the PNC Bank agent. This agent stated that the amortization schedule will not trigger the automatic cancellation until XX/XX/XXXX, and the principal reduction payment will not qualify for automatic cancellation. Also, I requested the amortization schedule, and the agent stated that PNC Bank would not provide the amortization schedule to me. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from PNC Bank stating the PMI would be removed in XX/XX/XXXX and I should provide proof that my property value supports an LTV ratio of 80 % before the PMI can be canceled.
Company Response:
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 my debit card wasn't working and I went into my PNC Bank in XXXX, FL. and they updated the PIN number. After they gave it back to me, I went outside to the bank ATM to make a cash deposit and the ATM took all of my cash and my card and no reciept was recieved. I went into the bak immediately and they said they have to dispute it and I will not receive and answer or my money for up to 10 days if at all.
Company Response:
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my High Yield Savings Account at PNC Bank since I had two identical or very similar accounts and the FDIC insurance would not have covered both of them individually. I closed the account on XXXX/XXXX/2023 - XXXX I asked PNC to transfer the proceeds to my other Savings Account within PNC. They closed the account and ate up my accrued and unpaid interest. I asked them yesterday ( XXXX/XXXX/2023 ) as well as today ( XX/XX/2023 ) to pay my accrued interested and they said they will just forfeit it. It was hundreds of dollars in interest that they just ate up and never informed me about it while closing the account.
Company Response:
State: TX
Zip: 75038
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I run a small personal business XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Sometimes customers pay by cash or checks. A few checks were deposited so they placed my account on hold. While my account being placed on hold, i had an electronic payment that was deposited into my account on XX/XX/2023 in the amount of {$6300.00}. They told me my account was under review while they verify the checks. I explained to them that i dont owe the bank any money & they arent sure as of yet if the checks were made out to me or not. I told them they cant hold my funds if they arent sure whats going on with the checks. They have refused to release my funds. Nowhere in their policy does it say that they can hold my funds for more than five business days with my account being on hold.
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, I wrote a check payable to XXXX XXXX XXXX in the amount of {$200.00}. The check was altered and made payable to someone else in the amount of {$9000.00}. It appears the check was electronically processed for that amount. I reported the discrepancy to PNC Bank on XXXX XXXX. An official report was made at a local PNC branch ( XXXX XXXX XXXX District of Columbia ) on XX/XX/2022. While I have made several inquiries regarding the above fraudulent action, I have not received any written communication concerning my case. Over 120 days have passed without resolution. I am requesting resolution of my case and reimbursement of {$9000.00}.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XX/XX/2023 we tried to cash our Ohio state tax refund check at PNC Bank in XXXX Oh. on XXXX XXXX XXXX XXXX XXXX. We each had our drivers licenses and we have an account with them were told we needed other XXXXXXXX. We refused to give them any other XXXX. We were in the drive through and they had a video teller. we called the bank manager and told them the situation and they said they had no way of knowing who we were. I told her I didn't know who I was speaking to on the video camera. She said if I used a live teller there would be no problem. We have used this bank for decades and never had a problem cashing checks until the video teller. For all we know somebody could have hacked that video caller and then they would have all our information. The manager said that's their policy. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Ohio
Company Response:
State: OH
Zip: 45371
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: In early XX/XX/2023 I applied for a high yield savings account online. That application was declined. The stated reason was that my identity could not be verified. I then spoke to a representative over the telephone asking for explanation. I was told to apply again after lifting my credit report freeze, in place due to past identity theft. I did so and had the same result that my identity could not be verified. I called a local PNC branch and asked if I could apply in person for this account. I was told that this high yield savings account was an online offer only. I then called back to the online application center and spoke with a manager who informed me that there were proprietary reasons for this rejection but he could not divulge any of those details. I was, however, offered a money market account at an introductory percentage at the same rate as the high yield savings account rate of 4 %. I declined To my surprise I received a welcome email notifying me that I now had a money market account. I funded the account as a trial only to discover that the interest rate was, in fact, 1 %. Here are my issues with this experience. XXXX. My identity. a. If my identity could not be verified for a high yield savings account, why and how was identity verified enough for a money market account? b. As a consumer, and especially as a victim of identity theft, I have a right to know if there is any fraudulent activity or information or factors affecting my online and banking security. Precisely WHAT is preventing my identity from being properly identified? XXXX. Opening of this account. The manager ( whose name I no longer recall, should be in the record of account opening ) I spoke to over the telephone offered this account. I declined. And yet, the account was opened nonetheless. XXXX. Interest rate. Although I declined, I was offered an introductory rate equal to that of the high yield savings account, 4 %. This was clearly an enticement to open the account. As I stated, even though I verbally declined, the account was opened anyway. For that reason I funded the account just to see what would happen. As soon as I was able to see information online I quickly discovered the interest rate was, in fact, NOT what I had been told. XXXX. Accuracy of records. The mailing address shown on my Personal Settings is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX This may easily have been a typographic error I can not be sure. This was presumably obtained during one of the several telephone application attempts. However, under Customer Profile My account address has the correct address : XXXX XXXX XXXX XXXX XXXX As a result of this discrepancy, I was prevented from closing this account. XXXX. Identity Theft. As a result of this address discrepancy, all correspondence about this account could easily have been delivered to someone else. This would have compounded my risk of identity theft even further. Fortunately, my mail carrier recognized my name and delivered my correspondence to me. At least so far. As a result of this experience, I am taking the added step of documenting my concerns more extensively in this document. As I stated in my opening and as a result of my lost confidence in the honesty and integrity of PNC Bank I formally request that my account be closed effective immediately.
Company Response:
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Complaint against PNC Bank. Part one PNC Bank Failed to check if contract valid, and failed to block the illegal charge after I requested, which caused me {$1100.00}, possible {$1300.00} loss. My son and me signed up membership of XXXX XXXX XXXX XXXX, MD, in XXXX XXXX with a monthly payment of {$79.00}. They asked my PNC bank account information to directly charge my bank account in order to get discount. ( See the agreement/contract ). I didnt know the risk of being charged by XXXX XXXX without my consent. In XX/XX/XXXX, the club was closed due to Covid 19 pandemic emergency, and froze all membership. On XX/XX/XXXX, I received an email notice from XXXX XXXX XXXX, saying that they would reopen on XX/XX/XXXX. Because I was close to XXXX ages old, high-risk group to Covid-19, I didnt want to take risk. I sent request to XXXX XXXX immediately, asking to keep my account frozen. I received the confirmation email from XXXX XXXX XXXX on the same say ( see XXXX XXXX confirmation of receiving my request ). In order to avoid XXXX XXXX continuing charging me, I checked my bank account for the following 6 months, didn't see new charge from XXXX XXXX, I stopped checking. However, XXXX XXXX, XXXX, I was shocked to find that XXXX XXXX XXXX had charged me without notice on my PNC bank account since XXXX, XXXX, 18 months ago, {$1400.00}, plus {$69.00} charge on XX/XX/XXXX, total amount is {$1500.00} ( see XXXX XXXX illegal charges from XXXX, XXXX to XXXX XXXX ). The {$190.00} is not included, I will explain later. I immediately called XXXX XXXX XXXX XXXX, asked why they charged me without notifying me? The front desk man told me that the frozen account would be automatically unfrozen in 3 months, which is not completely right ( See Inactive term in agreement/contract ). I told him that it was still in pandemic emergency, you cant force a normal agreement. He asked me to send email to XXXX, I did, and also sent email to XXXX, asked " stop charging and refund my money ''. ( see emails of asking to stop charging and refund my money ). XXXX XXXX, XXXX, I called PNC bank, reported what happened and asked PNC to block the payment to XXXX XXXX. PNC bank representative told me that PNC bank would do investigation, needing about 10 days. The lady of PNC bank put the rest 18 payments on dispute, but missed an extra {$69.00} charge on XX/XX/XXXX, which allowed XXXX XXXX to charge me {$190.00} on XXXX XXXX, XXXX illegally again ( See XXXX XXXX illegal charges from XXXX, XXXX to XXXX XXXX ). I sent a follow-up email to XXXX on XXXX XXXX, XXXX ( see follow-up email on XXXX XXXX, XXXX ), I pointed out that we are still in pandemic emergency ; I never received any notice from XXXX XXXX about unfreezing my account ; I was one month to XXXX XXXX XXXX when XXXX XXXX reopened my membership without notice ; you received government aid, which is not allow you to force seniors back to take risk. In this email, I asked to cancel my membership too, XXXX XXXX did send an email on XXXX XXXX, XXXX for leaving XXXX feedback ( see After cancellation, XXXX sent a survey email ), which indicates that my membership was cancelled. All the above information I reported to PNC bank by phone and by email. PNC bank credited 5 payments back to me, total {$390.00}, but 13 payments plus {$69.00} are not credited back, total {$1100.00} not refunded by XXXX XXXX, and not credited by PNC bank at the time : XXXX XXXX, XXXX. Because PNC bank didnt block XXXX XXXX XXXX allowed it to charge me {$190.00} on XXXX XXXX, 9 days after I called PNC bank to block XXXX XXXX on XXXX XXXX, XXXX, and 7 days after I cancelled my membership. I complained to PNC bank about this new illegal charge, PNC bank put the {$190.00} as dispute credit. I have not received the final notice on the credit, PNC bank may revoke the credit back. Then the total lost would be {$1300.00}. I am here to complain PNC bank failed to follow the laws to protect my money in PNC bank account. The reasons as follows. XXXX, PNC bank failed to check if the agreement I signed with XXXX XXXX in XX/XX/XXXX was valid when XXXX XXXX suddenly recharged me in XXXX, XXXX. When a contract payment stopped for 18 months, suddenly the business charged again, which is automatically a warning sign : is it a new contract or old contract? New contract needs to be verified with another side, old contract after 18 months no payments is still valid? Besides, Maryland law doesnt allow health club to have automatic renew clause in contract ( see attachment ). the old contract was expired according to the law, PNC bank has obligation to verify the contract valid by checking with me. But PNC bank did nothing, but treated it as valid contract, and allowed XXXX XXXX to charge me based on void contract without checking with me. In addition, even if PNC bank believed that the agreement was valid, the Inactive Term in the agreement, the cause of freezing the membership was due to the covid -19 pandemic ( normally is disability or illness, pandemic is even worse than that ), based on the Inactive term of the agreement, the cause covid 19 pandemic was still not over, and I was XXXX XXXX XXXX, XXXX XXXX would not have right to charge me without my consent and the fact that we have never gone back to XXXX XXXX after it closed in XXXX, XXXX. XXXX, PNC bank failed to block the XXXX XXXX after I reported on XXXX XXXX about XXXX XXXX illegal charges and requested PNC bank to block any charges from XXXX XXXX immediately. PNC bank didnt block XXXX XXXX XXXX allow it to charge me {$190.00} on XXXX XXXX, XXXX, which is violating the law. Part Two PNC bank put our money in active account to abandoned and unclaimed property account without checking with us. I opened my accounts with PNC bank in XXXX, XXXX in New Jersey, until today we have been with PNC bank for 20 years. My son and me moved to Maryland in late of XXXX, XXXX, my wife still lived and worked in XXXX. I opened an individual money market account under my savings some time XXXX. In XX/XX/XXXX, my wife and me went to PNC bank, XXXX, MD, to convert this account into joint account. With helped by PNC bank clerk, we showed our identifications, and filled out forms, and signed. The new joint account number is XXXX, with {$180000.00} amount. Sometime in middle of XXXX XXXX, lady from PNC bank, called me, and told me that my money market fund has no activity for long time ( 3 years ), by Maryland law, which is unclaimed abandoned property, PNC bank put the money to Government account. This shocked me. XXXX, The money market fund was just changed from single account to joint account on XX/XX/XXXX, about 70 days ago, it is a new account. Or if count as a continuing account of the individual account, how could the conversion of the account be not an activity? XXXX, Our joint checking account under both our names has been active for 19 years, about 10 or more transactions per month. Anytime, I opened my PNC accounts online, I access the checking and savings accounts in the same page. How could PNC bank treat the savings account under the same names in the same page as " Abandoned property ''? 3, I read Maryland law, the " unclaimed or abandoned property '', is the property or bank account without activity in three years or more, and bank tried all the ways to find the owner ( s ) in at least 3 months, but failed to find the owner ( s ). I have never received email, letter, or any message from PNC bank until the phone call from PNC in middle of XXXX, XXXX. All above show that PNC bank didnt follow the laws to handle our money, after I complained, PNC bank put the money back, but didnt say they did wrong in the case closed notice to me. The mishandled our money shows that PNC bank didnt follow the laws, which is a long- standing problem, not accident. Therefore, it is clear that PNC bank ignored to check the validation of the agreement ( contract ), to allow the charges from XXXX XXXX by a void contract, which is not an accident but a pattern of law violation. ( The attachment information I already sent to PNC bank by emails. If CFPB needs the information, I could provide upon request )
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A