Date Received: 2023-03-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello, I am reaching out looking for help in regards to my banking relationship with PNC. I was a customer of theirs for around 20 years with the same accounts. On XX/XX/XXXX I attempted to access my account via mobile login. The login was not working and I was unable to use the password reset to regain access to my account. Since it was a holiday I decided to wait until the following day and called PNC on XX/XX/XXXX. After 20-30 minutes on the phone someone finally realized that I was supposedly mailed a letter around XX/XX/XXXX stating that PNC decided that they wanted to end our banking relationship. I asked how this was communicated and I was told a letter was mailed to me. I asked why and was told it just stated that just like a customer can decide they don't want to do business, PNC also has that right. I never received a letter, nor any other form of communication that my account was being closed. At the time of this incident I had nearly {$30000.00} in my checking and savings account and was frozen from accessing it with no notification. I went to my local PNC branch and after spending quite a bit of time there was able to get them to move my money to one checking account and then told to write a manual check to transfer only. I was not able to withdrawal cash from my account at that time. I went through the steps of this process and created a new account and wrote a check. This process took nearly a week for the check to clear so I was without my money from almost a week. Another challenge with this situation is that I have no access to see which transactions were hitting my account, nor access to my account to pull statements to see what is going on. I do not balance to the total I was given today in my account and have no way to review transactions to balance my checkbook. I was also told that a certified check would be cut on XX/XX/XXXX clearing out the balance remaining in my account. I just called PNC and they said this process could take a week or more. This is not acceptable to me. Also, I still have no access to pull my bank statements that are all stored digitally online only. I was told that I can not gain access and the only way is to write a letter asking for each monthly statement. This entire situation seems wrong and illegal. How can a bank decide they no longer want to do business with me and all they have to do is say they mailed a letter first class to tell me? Then not allow me to withdrawal cash from my account? It is not like I did anything wrong in this situation to be treated in this manner. They chose not to work with me and then held my money and information XXXX. I am hoping that someone can help me get the rest of my money and get access to all of my statements that are digital only. Ideally I feel like I should be compensated in some matter for not having access to my cash for almost a week, as well as having to spend hours of time on the matter because I was blindsided.
Company Response:
State: MD
Zip: 21117
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: Deposits and withdrawals
Consumer Complaint: My PNC account was placed on a hold on XXXX XXXX. I called and asked why and no one would answer me and told me to go to a branch. on XX/XX/XXXX I went to a branch of the bank and again no one could assist me with the problem or answer any questions. I then called PNC again on XX/XX/XXXX and could once again get no answers as to why there was a hold on my account and that it could take XXXX or more days to review. PNC is holding my money for ransom without giving me any help or reason for doing so.
Company Response:
State: IL
Zip: 62702
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The complaint is regarding my bank, PNC, refusing to give me access to my transactions in digital format older than 3 months. Despite contacting them several times over the past 9 days, they have refused to take any action to resolve the issue. They have only offered me paper statements, which are not suitable for doing taxes. As a result, I am unable to obtain the required transactional information needed to file my taxes, and would like to inform the IRS about the bank 's refusal to provide the necessary information.
Company Response:
State: PA
Zip: 15317
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XX/XX/23 - I noticed that my credit limit on my PNC Core Credit Card was decreased from {$25000.00} to {$12000.00}. I never received an electronic notification that let me know of this decrease and they mailed me a letter which has still not arrived. I have not received the correspondence from the bank to submit with this complaint. They used information in my credit report to justify this. My credit report has a perfect payment history ( never missed a payment ), no derogatory remarks, no collections, and no other delinquencies. When I called PNC to dispute the decrease and petition to have it restored, they informed me that I could not dispute the decision for at least 6 months from the day that my limit was decreased. In my opinion, it is unjust to have to wait half a year to dispute any action that my credit card company takes against me or my accounts. It is for this reason that I am filing this complaint with the CFPB.
Company Response:
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing to request your assistance in resolving my mail fraud case and restoration of my {$14000.00} in stolen checking account funds. Per your instructions, I have filed a separate complaint regarding XXXX XXXX so this complaint is specific to PNC-my bank and where the checking account involved resides. My intention in contacting the CFPB is to motivate PNC to respond. I also imagine I am not the only consumer waiting on a response from PNC ( or XXXX XXXX ). I was a victim of mail check fraud in XXXX, XXXX, as a result of the armed theft of XXXX XXXX from U.S. Mail carriers in the XXXX region XXXX As the first anniversary of my theft approaches, I am still awaiting restitution of the {$14000.00} in stolen funds from my PNC bank account. Per PNC, they are still waiting to hear from XXXX XXXX, the recipient bank that cashed my fraudulently altered check and, since XXXX XXXX does not have any real presence in Ohio, this is further complicating the timely resolution of my case, per PNC. I have also been told by PNC that there are no rules regulating timeframes for the banks to respond. However, as a customer, I had 20 days, per PNC policy, to respond and prove the fraud or I would lose all future rights to any claim or restoration of my funds. I have complied with all of PNC 's request for information and filing of XXXX Police and Inspector General reports and within the 20 days required timeframe and all of these documents have been provided to PNC last year. It has been challenging to receive any detailed information about my case, anticipated timeframes or even additional actions I can take as a consumer on my behalf, including where to complain. While everyone at PNC has been cordial and sympathetic, that has clearly not resulted in the expeditious restoration of my fraudulently stolen funds and has not moved XXXX XXXX to respond to PNC. My request is full restoration of my funds with interest by XX/XX/XXXX, which, as I understand it, requires XXXX XXXX to respond and work with PNC. The PNC reference number for my case is XXXX. The checking account # is XXXX. In addition, it appears expanded Federal regulations that will better protect consumers, improve transparency about this issue and mandate timeframes for responding, communicating and restoring stolen funds and advising consumers where/how to complain appears to be needed. In an ideal world, the Banks would step up to do this in the interest of customer service but I am doubtful that will occur without further Federal intervention. Please let me know what additional information you may require and I am best reached on my cell ( XXXX ) XXXX. Thank you in advance for contacting PNC.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Had a problem with online banking and my email being taking over and I recently gained access back to my email account not entirely the email address does not come back to me someone still has access to my email but I can get in from my phone, my online banking, I can not gain access to my bank account due to a problem with online banking which I do not use except to deposit checks from time to time, i have went into the branch and its been kicked over to a department whos investigating the matter of online banking issues, I told them I dont wish to use the online banking I just wish to come into the branch and I can not access my funds and Im on the phone constantly trying to regain access to my account, I cant access my funds or pay bills with my debit card due to issues with online banking
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Calls made last month to a customer agent XXXX. Three calls made this month to other agents. One in person to a branch in XXXX XXXX. Subject : Disputing a late fee of XXXX XXXX dollars when expected time of refunds were not posted to the account to balance off the payment due on the XXXX. Calling the bank last month for the same issue informed me that before I can dispute a late from posting it needs to be posted before I can dispute the late fee for refunds of returned products. Since the products were not refunded on time when payment was due to the credit card company caused uninformed lock out from my account and charged the late fee to their advantage. They did not inform me of withholding the fee and out of discretion held refunds against my account to charge a late fee. In question to reverse the late fee I spoke with a supervisor that will not remove the late fee and had explained the circumstances of returns being refunded late and will post by the end of this week. He told me only one reversed late fee applies to the account once a year, so why was I not informed by the last representative advising me that I would only need to call in if returns were not posted on time and when the late fee was charged, why she did not explain that one reversed late fee was already used .Calling in today was informed that they closed up the account without my knowledge. This is disrespectful, and have displayed arrogance and rudeness towards my family and I in the past as an account holder for the past twelve years.
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act PNC BANK Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have a right to Privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX XXXX, 2023 I was asked by PNC bank to allow access to my consumer report for credit application reference # XXXX. Based on the innacurate experiences illegally reporting with the third party agency XXXX, PNC BANK denied me my own credit. PNC BANK used my social security card # to access funds but in return denied me access to my own funds as creditor. PNC BANK has knowingly and willing violated my rights and discriminated against me, I am now owed remedy.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A