Date Received: 2023-02-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed out of XXXX dollars. I applied online for a loan and somehow scammers got my information. They deposited money into my account and called me and threatened me that I had to send it back ( through the payment platform XXXX XXXX. The money they sent me disappeared from my account, therefore the money I sent them was mine. I bank with pnc which uses XXXX through there Mobile banking app. Pnc refuses to refund me. I contacted pnc immediately letting them know I was scared and had transferred the money back, and pnc did nothing about it. This all happened on XX/XX/XXXX, I just realized yesterday that the money these people had sent me disappeared from my account and that they stole my own money.
Company Response:
State: OH
Zip: 44001
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Account name : PNC BANK, N.A. Account # : XXXX. Delete PNC FOR REPORTING INACCURACIES. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and XXXX did not and are in current willful violation of my rights! XXXX and XXXX, did not complete the investigation in the allotted time of 30 days. I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 36 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: So this on all three reporting agencies reporting my credit scores. Have attempted multiple times to get it off PNC has no record of it yall can pull tapes if need to I dont know anything about this want this off my credit report expadicly. Need help cant understand how companies can validate this. I know nothing of this dont want any part or anything of this.
Company Response:
State: NC
Zip: 28328
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX claims I owe them {$11000.00} for the original creditor, PNC BANK. Opened XX/XX/2022. I never opened or had a PNC BANK account. PNC BANK is not on my XXXX credit file. XXXX XXXX XXXX XXXX needs to remove this false information immediately.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On the XXXX of XXXX, I received a letter from PNC Bank stating that my credit limit has been drastically decreased from {$7500.00} to {$700.00} due to factors from most recent credit report. However, there are no negative blemishes on said report, showing nothing but exceptional payment history for our entire relationship. Utilization went from 24 % to 50 % due to their changes, and a lack of explanation as to what could have caused this is why I am submitting this complaint. They told me it was based on credit report and could not discussed further. Credit report shows nothing and has now dropped by XXXX points due to this change alone.
Company Response:
State: NV
Zip: 89436
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account on XX/XX/2002, at XXXX XXXX XXXX, XXXX, PA XXXX at PNC bank. There was a promotion related to opening the checking account which offered a {$400.00} credit if I opened the " Virtual Wallet Spend '' and fulfilled all the requirements. I met all the requirements and PNC Bank confirmed my eligibility. However, they declined to credit me with {$400.00} since I had opened my account at a branch that did not participate in this promotion. This was never communicated to me, nor was it disclosed in writing. Additionally, I had asked several times about the eligibility for this promotion, and the person who opened my account confirmed that I would be eligible once I met the requirements, which I had done. PNC Bank 's attempt to take advantage of customers on their bank accounts is a wrongdoing on their part. I am not the only one who has been affected by PNC Bank 's illegal activity, and this issue should be addressed.
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I scheduled a payment on my XXXX XXXX XXXX ( XXXX XXXX XXXX ending in XXXX, XXXX XXXX XXXX XXXX ). The amount was for XXXX. I accidentally selected my PNC account, which was a payment option at the time, to withdraw form. This is my savings account. Immediately upon receiving an insufficient funds email notice from PNC Bank on Wednesday XX/XX/2023 at XXXXXXXX XXXX, I realized the mistake I had made and called PNC Bank at XXXX. The call was made at XXXX and lasted for 8 minutes. I spoke with a representative, and I informed him that I inadvertently selected the wrong bank account ( I meant to select my XXXX XXXX XXXXXXXX checking ). I asked what I should do. I wanted to make sure that PNC was not going to cover the funds for me and send the money through to XXXX XXXX. I said, " If you are going to do that, then I will not make a payment out of my XXXX XXXX XXXXXXXX account, BUT I do not want to make payments out of both accounts. So please, tell me if you are just going to return these funds to my account, and I'll just pay the XXXX XXXX again out of the right account this time. '' He representative informed me that this withdrawal was denied. He said, " Your payment did not go through. It was reversed, and the money is being put back into your account. You should see it tomorrow. '' I then inquired whether there would be a late fee and asked for waiver for the mistake. He said, " There is no no late fee. We didn't send the funds through. They just go back into your account. '' I have to be honest, I felt a little uneasy because he seemed very inexperienced and didn't seem to speak english well. However, I did notice that XXXX XXXX also sent an email saying the payment failed, so I relied on the PNC rep 's statement, as well as XXXX XXXX. Both told me this payment did not go through. Now I have a situation where over XXXX was withdrawn from BOTH accounts. XXXX XXXX did not attempt a rebill and shows a failed payment from PNC. PNC shows a rebill from XXXX XXXX and the funds are taken from me. I have paid over XXXX for a bill just a little over XXXX. This is a large sum of money from me. Now I have PNC requesting that I cover XXXX that has been overdrawn. Where is my XXXX. XXXX XXXX does not give me a credit of XXXX, so that money is floating around and I am disadvantaged by its absence. I have proof that XXXX XXXX did not try to withdraw those funds from PNC again. I have proof that XXXX XXXX successfully entered an ON TIME payment from my XXXX XXXX XXXXXXXX ( because I had paid early from the PNC which told me they denied the request for payment because of insufficient funds ). So where is my money. PNC has taken money from me that XXXX XXXX does not have on file. They are threatening to make me pay late fees even though I specifically asked their rep EXACTLY what I needed to do in this situation. He said I do not need to do anything because the transaction was simply reversed. Completely false. You will see from my screenshot, PNC 's first message says the payment was denied and returned to my account no charge on Wednesday XX/XX/2023. You will see their second message that the funds were sent and I need to make a deposit to savings to cover the shortage to avoid additional fees. PNC has stolen almost XXXX at this point since XXXX XXXX doesn't show this payment from them ( see attached ) and they show I am short.
Company Response:
State: UT
Zip: 84124
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Two problems. The first is that the funds are being miss managed. There will be money missing with no accountability for where it has gone. I can check my growth, reserve, and spending with no evidence of where the money has gone. I legit took all my money out of this bank and went over to XXXX. It has been about 2 years of this nonsense. The second is that I have an important dispute that is going nowhere. I made a purchase and submitted a better business bureau complaint and FDIC complaint and even return the product with no refund in sight from the company. The company is horrible at managing disputes all these months later from prior disputes. I am not sure why I am reaching out over the same issues and concerns. When will the problem be resolved? I have removed my money to a safer bank and hope these final issues can be handled so I can close my account.
Company Response:
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Pnc not closing accounts as ordered failed to return {$5700.00} put check on hold for over 1 year without any due diligence or any attempt to validate or dishoner check in question. Then after Pnc closed my account In XXXXXXXX XXXX XXXX withholding my funds this entire time until complainant filed with Cpfb and FDIC then Pnc without my authorization reopened account and removed hold on check but froze account due to alleged suspicions on account wich I cleared that up and took full responsibility as it was out of pure necessity for my survival And if due diligence in investigating check ownership and contacting issuer for clarification or validation of my transaction under creation of remote checks law I was within my rights and authorized by all payees to reset a remote check for redirecting funds according to previous contract between landlord and mr XXXX XXXX who are both payees on instrument wich all documents official letters etc have been provided to Pnc at Louisiana branch in XXXX and executive customer relations team please enforce law on institution or forward to agency of authority Note******* ongoing issue NOT a DUPLICATE complaint
Company Response:
State: NM
Zip: 87110
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: PNC Bank Account Name : XXXX XXXX XXXX XXXX Routing # : XXXX Account # XXXX This account has been closed by the bank on XX/XX/2022, with a balance {$9900.00}. I have not received the balance yet until today.
Company Response:
State: FL
Zip: 32796
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A