Date Received: 2023-03-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: PNC has refused to reverse payments made from my account for services that were NEVER received. I am, at this point, DEMANDING the transactions be reversed and the funds be returned to me. However, since PNC enjoys colluding with scammers and approving of their methods, I have also now involved my family members at the White House and the Federal Bureau of Investigation, informing PNC has dragged this out going on 6 months and are refusing to refund money that was used to pay for services that were NEVER received. THIS IS GOING ON MONTHS 7-8 CHASING PNC TO REVERSE THE TRANSACTIONS ON MY ACCOUNT THAT WERE A PART OF A SCAM.
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I got charged {$380.00} yesterday for a closed subscription with XXXX XXXX XXXX via XXXX that I cancelled back on XX/XX/2023. They charged my account twice. The first time on XX/XX/XXXX and again yesterday. The charge has posted on my bank account without my permission. I have contacted the merchant, they acknowledged that they cancelled the subscription on XX/XX/2023. I contacted XXXX customer service via email and phone the agent lied to me and stated that once the payment went from pending to posted on my bank account, Ill receive a refund. I havent received a refund yet. PNC bank customer service is investigating the matter, but hasnt reimbursed me.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: this account was opened online on XX/XX/23 {$7700.00} was direct deposited to the account on XXXX i obtained a counter check as i have never written a check off this account and didnt have any checks to pay for a tree service we had that day i wrote the counter check in the amount of {$5000.00} on XXXX the check was presented via deposit and was paid from my account on XXXX the check was returned due to no signature on the account - opened online on XXXX i was called by the Tree company because they had the returned check same day i went to bank and signed a signature form and was told the tree company would have to wait until the next day to cash. i told the XXXX i would just take the cash and just pay him. first teller told me he could not give me my money because the check had a business name on it and it didn't match my account j- this makes absolutely no sense as i didn't try to deposit it to my account. second teller did something and then froze my account so i couldn't get money out via ATM. this is not the first time the tellers could not read their system correctly and gave me bad info- THIS IS MY MONEY second teller told me to come back in an hour they had to research the check ; when i asked what exactly they were researching she told me she couldn't tell me. again, what's the research for since it was returned from their status of " no signature on file '' at one point she told me i had to wait 5 days to get my money since it was returned. it was returned because of no signature on file not because it bounced!!
Company Response:
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Follow up to CFPB complaint : XXXX XXXX- I received a letter dated XX/XX/XXXX from you stating I was refunded {$91.00}. HOWEVER, the amount was refunded on XX/XX/XXXX with no notification to me, therefore the account was not closed as I was awaiting the resolution. I have emailed you and your office a number of times after XXXX XXXX and was not informed of this either. I requested explicitly that the account be closed and fees stopped in my original correspondence. The refusal to address my requests is beyond comprehension as it account owner 's right to request an account be closed. My account was charged YET AGAIN an additional {$28.00}, {$7.00} per month for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am shocked that this has continued to happen. I called today to close the account. To keep the account active and KEEP charging me for that is unacceptable. As per my voicemail today, I expect an immediate full refund of the additional {$28.00} fee, and the closure of my account immediately. I will accept checks mailed to my address as requested originally. Please confirm when this has been completed. XXXX YOUR COMPLAINT I had an account with Simple bank account that I chose to have and open. That company and all accounts were sold to BBVA. An account was opened at PNC when that was sold. I never authorized a PNC account to be opened on my behalf or to open one. I am appalled that a bank has permission to open an account on behalf of a customer WITH FEES. Transferring an account with no fees associated at one bank when sold to another should remain the exact same. I just logged into the account to find out that there has been a monthly fee ( for what I have no idea ) and a paper statement fee every single month. I did not authorize this account, especially one with any sort of fee- or fees- associated with the account. The schedule of fees is below- a total of {$76.00} has been stolen from me from PNC since XX/XX/XXXX. When I called immediately upon creating a login to see these charges, their answer was that a welcome packet was sent to me when the bank sold my account to PNC. I explained that I never received any sort of packet. They had an old address attached to my banking profile, while my single account had a different one attached to it. I have no idea where such a packet was sent, but the bank seems to think that that welcome packet authorizes them to take my money. I did not receive such a packet welcoming me. Nor would I understand how a welcome packet explains their use of my account at their will. Fees have changed from {$2.00} per month to an additional {$7.00} to now {$10.00} according to my research into the account use by PNC. I have used the account for five total transactions over the past 12 months, XXXXwo of the five transactions were deposits automatically made. The remainder of the account use is from PNC, a total of XXXX transactions unauthorized. I did request a debit card by phone when realizing that BBVA had sold to PNC. What I did not authorize, nor was ever disclosed to me, was that this bank account has fees associated with it. When I requested my debit card no one disclosed to me any sort of fees, nor was it disclosed in the banking transfer details. I have an email stating that BBVA was selling to PNC but that is it- it does not say that I would be charged up to {$10.00} per month as a result of that sale and their action of creating a PNC account for me. I request that PNC immediately deposit my money back to me in total of {$76.00}. I would request interest rate of 7 % to account for inflation and money lost to due that interest rate. However, I will settle for a simple resolution of that money being placed immediately back into my account and if they would like me as a customer to guarantee no fees on my account. If not, I request that the account be closed as I do not authorize nor ever would authorize a bank to charge me for the privilege of being a customer with them using my account more than I do, taking my money for that privilege of their being able to dip into it and take whatever they feel is needed. Fees taken from me : XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$3.00} {$76.00} Sincerely,
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Date of Loan financed - XX/XX/2023 Amount - {$990000.00} Check issued for payoff - {$500000.00} I got a Line of credit from PNC on XXXX XXXX XXXX XXXX to payoff a line of credit from XXXX to which the XXXX XXXX returned the check with the reason the check issues by PNC is in excess of XXXX USD compared to my balance with XXXX XXXX ( Looks like this is an internal policy of XXXX XXXX ). I requested PNC to cancel the check and reissue it to XXXX XXXX with a lower amount. It is almost 15+ days and PNC has not reissued the check to XXXX XXXX. I am paying interest to both the bank for the same money, I have lost XXXX USD in this delay from PNC XXXX I made call 10+ times to the Loan officer and it always goes to his voicemail and emailed me 15+ times asking him to provide me some update and almost no response from the loan officer. I have not seen such a rude behavior from any loan processing officer in the past. I am just loosing money every day as paying interest to two banks for the same money. I really want PNC to reissue a check ASAP to XXXX XXXX so that my loan can payoff and I stop paying interest to two bank. I also really want PNC to perform an investigation against the loan officer for such an erratic behavior. I also really want PNC bank to stop charging me interest until the money is actually transferred to XXXX XXXX.
Company Response:
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Getting a line of credit
Subissue:
Consumer Complaint: HELLO, MY NAME IS XXXX XXXXSMALL BUSINSS LOAN, HAS CALL ME.TODAY, SAID THAT I HAVE A ... LOAN.I KNOW ANYTHING ABOUT THIS.CAN YOU PLEASE HELP ME...
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Sat. XX/XX/2023, I charged my PNC debit card {$41.00} at the business XXXX XXXX in XXXX, PA. This charge was correctly applied to my PNC checking account on Mon. XX/XX/2023. On XXXX XX/XX/2023, an additional fraudulent charge from the business of {$40.00} appeared in my PNC checking account. After contacting PNC Bank four times total on XX/XX/2023 and XX/XX/2023, they repeatedly refused to allow me to dispute this fraudulent charge and threatened to terminate my checking account. PNC is also charging me overdraft fees on this fraudulent charge to which I did not consent. If the fraudulent charge was not applied to my account, I would not have been overdrafted, and this PNC error is creating significant financial distress.
Company Response:
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is additional documentation for my appeal to PNC bank disputing charges posted to my checking account on XX/XX/XXXX, in the amount of {$270.00} and {$500.00}. I was in the barber shop in NC, when a string of thank you for your subscription messages with amounts started comping across my cell phone. I am a student at NC XXXX and XXXX My physical whereabouts can be confirmed at all times, to prove I was in NC and then in MD for the winter break. I was warned not to open messages like that, so I phoned my mother, and she instantly called the bank and had them cancel my bank card ( XXXX XXXX XXXX XXXX ). Immediately as this was happening and while the charges were still pending, my mom asked the bank not to pay then, but the bank paid them. I still have copies of some of the messages on my phone, which I am attaching this complaint ( being filed with the XXXX XXXX XXXX XXXX ). When I returned home to MD, my mom and I went to PNC and told them of the events, and I received a new bank card. I was told by the bank representative that PNC should have contacted me to verify my identify and ask if this was me, making these transactions, when the string of highly unusual activity was taking place. Nevertheless, I assumed that after the dispute was filed on XX/XX/XXXX, the event was behind me. On XX/XX/XXXX, I received a letter in the mail from PNC, stating that I was responsible for the transactions. The 2 transactions that actually posted and were paid by PNC were for {$270.00} and {$500.00}. Both were online purchases to Target, and picked up at a Target in CA ( while I was still in NC ). I had my bank card with me the entire time this was going on. I did not make any online purchase for these items, nor did I authorize or pick up these items. No one else is authorized to pick up anything on my XXXX account but myself. XXXX requires that if someone else picks up items on your account, they be named on your online account. No one else is listed on my account. Additionally, ID must be presented when picking up items. I did not pick up any items in CA and I have never been to CA. I do not know how PNC is holding me responsible for these transactions when clearly my bank card was hacked. The string of transactions going across my cell phone did not stop until the card was shut down. I filed a police report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX on XXXX XXXXXX/XX/XXXX, after the unfavorable determination was issued. The Police Report # is XXXX. I filed a complaint with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am including this as written documentation to PNC.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Problem with customer service
Subissue:
Consumer Complaint: XX/XX/XXXX I contacted PNC bank and asked if I could initiate a Foreign Bill of Exchange at the local Branch. The Agent over the phone was not sure of the question thus repeating the questions multiple times. She the Agent placed me on hold and transferred me back into the que to be assisted by someone else so I disconnected the call and after four attempts I was placed on hold. I then spoke with an agent over the phone whom works at the local branch of PNC and asked if I could process a Foreign Bill of Exchange and she placed me on hold to confirm it and then returning to confirm that it could be done at the current location however, I would need to provide two forms of identification. The following day around XXXXXXXX XXXX I entered into PNC to file a Foreign Bill of Exchange, speak with someone about establishing a irrevocable trust fund account in addition to speaking to someone that could make amendments to an account that I opened to add it upon my XXXX XXXX statement. I was told to have a seat as the female teller never done it before and would therefore need the assist of her bank manager to guide her. I politely took a seat and while sitting XXXX other agents came to me to ask had I been seen due to the fact I had been sitting for more then 40 minutes. Another Employee asked what I informed her of my needing help with and she stated she did not know what that was but the bank teller XXXX could assist me as he know how to process the Foreign Bill of Exchange. I proceeded to the bank teller to process the bills of exchange. The Manger of that Branch XXXX XXXX proceeded beside the male employee ( XXXX XXXX and asked what did I needed assistance with. I again informed her XXXX what I needed to do. I handed her the negotiable instrument and ( Bill of Exchange ) and then stated to her I wanted to also open a irrevocable Foreign Trust Account and make some amendments to my bank account. She dismissed the last two statements I made thus handing me back the Foreign Bills of Exchange quickly saying oh we dont do that here I then said I called four times yesterday ( XX/XX/XXXX ) and was told that it could be completed at this location. She then stated that no PNC offers that type of service. I then stated to her that any member of bank can process it as it it a negotiable instrument and in order to dishonor the negotiable there would have to be fractions within the negotiable instruments as she did not review the Foreign Bills of Exchange however, quickly refusing to acknowledge it thus refusing to process it. I then informed her that PNC did in fact offer the services as the Federal Reserve accepted announced approval of its application on XX/XX/XXXX under section 3 of the Banking holding Company as PNC Bank holding company Register under the BHC Act, PNC is subject to comprehensive, consolidated regulation, supervision, and examination by the federal reserve. The Branch Manager then stated again with a more harsh tone WE DO NOT OFFER THIS TYPE OF SERVICE HAVE A GOOD DAY thus turning her back and walking away. She refused to assist me in honoring the negotiable instrument. I contacted the bank by phone and requested to file a complaint on Monday XX/XX/XXXX thus providing my contact information to an agent over the phone. XX/XX/XXXX I received a phone call by XXXX regarding the matter to which is at hand however I missed her call as she left a message and I was able to return the call but someone else assisted me who stated that she could assist me. She informed me she was from PNC bank executive client relations and I explained to her of what I was entering the bank to accomplish thus being discriminated upon and denying me the very right to process a Foreign Bill of Exchange. While on the phone with her ( I do not recall her name ) she made several statements that were alarming stating such as what lawful money is. And PNC does not take the liability of anyones debt. I informed her that her very statements she made was to be cautioned because I am aware of what a legal Tender of Payment is, what a fiat currency is and what a negotiable instrument is, in addition, PNC was not taking the liability of any debt as that was not what I came into the bank to achieve as her statements were implied as if I was attempting to defraud the bank. I then stated that The Bills of Exchange Act to which was established states the rules and procedures thus all rules and procedures were followed when the Bills of Exchange was created however, the branch Manager violated several codes that had nothing to do with race but the rights of individuals that were entitled to construct a foreign bill of exchange to resolve and settle any obligation. She then begin to state PNC followed all guidelines before quickly disconnecting the call.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX XXXX has absolutely no interest on honesty pertaining to PNCs Bank misconduct concerning my late mother XXXX XXXX. Theyve also made promises to get in touch with me in reference to a new mortgage/refinance according to their XXXX @ XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX However to this day unfortunately this hasnt been the case.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A