Date Received: 2023-02-17
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: XX/XX/2023 " PNC Bank '' Yesterday on XX/XX/2023, I went into PNC Bank to open a checking account for the first time. I explained to the banker that I am a coin Collector & that I only want to open an account if they can provide me with two boxes of pennies, five days a week. That's {$250.00} worth a week. The branch XXXX was really kind in letting me know, that they can order what I need for me, once I open an account.. I said awesome, lets set one up then. The XXXX then said they were really busy today & I would need to schedule an appointment to set up my account, will XXXX am XX/XX/2023 work. I said, Yes. sounds good.. I showed up to my appointment excited expecting everything I was told I can expect. When I showed up to the appointment the same XXXX proceeded to process my checking account, asking me if this account will be for anything other then collecting coins, I said no. XXXX said okay. I then began asking XXXX how will this all work? Will I pick up Daily or once a week to pick up my pennies? XXXX then, said the XXXX will ask the teller because the banker wasn't sure how it worked. I said, okay well I will deposit {$200.00} today, if you have any boxes of pennies to give me today? otherwise, I will only deposit {$150.00}. The XXXX said the banker will check & when the banker checked the banker said they did not have any boxes of pennies today, not until they order more but the banker will be able to order me some. I said ok.. The XXXX gets up to go process my deposit & when the banker returns the banker proceeds to tell me the bankers XXXX is unable to order what I want in pennies.. I said, why? There is no other place for me to get boxes of pennies other then the bank. I've even personally contacted the federal reserve to find out.. The XXXX said, the XXXX said the XXXX 's not allowed to order my request.. I then said well then how do I get my pennies if the only person that can order them doesn't order them for me. I said I should be able to sue someone for putting me through this. Out of no where the XXXX comes over, as I am sitting down, the XXXX stands over me and says, you need to leave & we can't have anything to do with you if you are claiming to sue us. I said XXXX, I did not make any threats nor did I say what you think you heard. I said, this a bank. There is nowhere else for me to get these pennies. I said, I don't understand why you are unable to order me pennies, I am a customer & this banker claimed that you could before I even became a member. I would have never opened an account here if your bank couldn't provide what I needed.. The XXXX then said okay well the federal reserve won't let her order {$250.00} in pennies a week. I said well how about {$120.00} in pennies then. She said they can only give me what they have on hand in a register. The XXXX said maybe if I want to get pennies find a coin collector establishment.. Then, the XXXX walked away. The XXXX was silent during my whole discussion with the XXXX, once the XXXX walked away the banker said the banker couldn't believe the bankers XXXX did that or how the XXXX heard me talk about suing someone. I said, I would just like to withdraw my deposit and get out of here please thank you.. The banker then processed my withdraw, gave me my new account folder, said sorry and then I left.. I do NOT agree with how I was treated. I feel like I was suckered into joining with PNC, a sense of false advertisement & them simply lying to me. They tell me they can order me pennies but then tell me they can't or won't? The worse part to me is after providing my reasoning for opening this account, they took my personal information, social security number and my money before telling me they are unable to order me pennies...
Company Response:
State: OH
Zip: 44310
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was on XXXX to find a rent house. When I submitted a request for a property showing it took me to XXXX where I filled out an application. The man named XXXX XXXX XXXX or XXXX XXXX, contacted me to take the home off the market and to do that I had to pay the security deposit. He said he will take XXXX payment in the amount of {$1500.00}. The email he provided for this deposit was XXXX and he sent me a leasing contracts with the state of Texas printed on the top of page to me from XXXX. he was supposed to meet me at XXXX XXXX XXXX XXXX XXXX Texas three times he never showed up. After two days the XXXX website sent me an email saying they took the property off the market and it might be fraudulent. It was too late by then, he already had all my sensitive information. SS DOB and address.
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received an deposit of {$12000.00} from the SBA government agency on XX/XX/XXXX to my PNC Checking account and on the next day on XX/XX/XXXX they revoked my online access to my account and froze my account. They said it was fraud when I only had the account for 3 weeks. I called PNC customer service 4 times on XX/XX/XXXX and no one could give me an answer on why my account was locked and my funds was on hold. So I went into the local branch XXXX XXXX XXXX XXXX in XXXX, FL and spoke with XXXX XXXX and she didn't provide me any answer about my account but told me to come back later or she will call me. I provide her with my bank card, driver license, loan documents from the SBA agency showing her this is not fraud but she just said we will call you. I still haven't heard anything from them regarding my account or funds. I have XXXX kids and I have no money to pay my bills and the result of this will have us homeless with no where to go. It has been 36 days now and the company promise it will be done in 30 days. I have called every day since XXXX/XXXX/XXXX to speak with XXXX XXXX at PNC Client Relations department and she have not told me anything and she is rude every time I call her. She refused to work on my case and no one have provided me date on when my money will be sent back to the SBA government agency or a reason why my money was held in the first place. I need this resolve asap now.
Company Response:
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: PNC has withheld funds now for 2 1/2 years. They continue to send me statements and even a new debit card. I have since moved. It does not take three years to investigate an account.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: It started on XX/XX/XXXX and XXXX my account was double charged of {$47.00} by XXXX credit. I disputed the transaction because I only suppose to pay once a month {$47.00} XXXX. Now I decided to do bill pay to pay the {$47.00} XXXX XXXX credit on XX/XX/XXXX which is the payment obligation. Now with XXXX XXXX XXXX I only suppose to pay {$10.00} a month and tried to do it by bill pay and it was returned. I called the manager of the call center PNC Bank name XXXX and I explained to her that I paid by XXXX and put the money in the reserve account and she acted very rudely. Even though I put the money to cover the payment on the other account which is the reserve account PNC returned the 4payment on XX/XX/2023. So I made a payment from another account which it was paid. Now I see that PNC has a pending transaction from the return payment on XX/XX/2023, which I already paid. I will be disputing that charge because I already paid it. I changed bill pay from reserve account to regular checking account. I find it difficult to communicate with PNC after speaking with the manager XXXX at PNC.
Company Response:
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My account became overdrawn by the amount of $ XXXX on XX/XX/2023. At XXXXXXXX XXXX XXXX on XX/XX/2023 an amount of {$64.00} bringing my balance to {$53.00}. I then made a charge of {$27.00} bringing the balance to {$25.00}. At approximately XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 I was informed that my account was overdrawn again. This is due to PNC charging me {$72.00} in overdraft fees on XX/XX/2023, despite already bringing the account to a positive balance. I had made no other charges during that 3 hour period to make my balance negative again. They just charged me the fees as if I hadnt made the account balance positive. I reached out to try and have the charges reversed, but the bank refused to help in any way.
Company Response:
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Early XXXX- I set up a {$220.00} payment for utilities to be paid XX/XX/XXXX XX/XX/XXXX - I realized I did not have {$220.00} in my account, but I did have a check from XXXXXXXX XXXX I received in the amount of {$160.00} a couple of days previously. I go to cash the check at a PNC Bank in XXXX XXXX, PA. I get a receipt ( I still have ) showing an ending balance of {$3.00}. I also check my online account and it says the same thing, so I think I am fine, and will not get charged {$36.00} for an overdraft fee XX/XX/XXXX - I get an email saying my account is overdrawn. I call customer service letting them know I have a receipt and on the PNC website, under Account Activity, it shows an ending balance of {$3.00} on XX/XX/XXXX, but for some reason on XX/XX/XXXX I am charged {$36.00}, so my account sits at - {$32.00}. I asked them to remove their money making fee, but insisted it was valid and I now owe them {$32.00}. It's very nefarious behavior to show a positive cash account and then charge an overdraft fee. I have only had 2-4 overdraft fees since signing up with PNC in XXXX. I want the fee removed and my {$3.00} back in my account, as it should be. This is not the first time they have not been easy to work with, and I think this is my last time me or my family will do any banking with them *One thing I could have done - cashed the check first, and then put the cash in my account, but I did not think there were going to be any issues after seeing the receipt from the deposit and my online account showing positive at the end of XX/XX/XXXX
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Not the Place you would want to go to open a Business Account while being a Minority. On XX/XX/. I proceed to go and open my business account at this location. Once greeted I sat n spoke with a banker he proceeds to go over my paper work as going over it he told me there's an error one paper is miss XXXX on it. From there I knew this was the wrong bank to go to. He runs to the back and comes back out. Asking me everything he did before he went back. Now come the Branch Manager for some reason he has to take over opening this account. After showing my business credit cards he proceed to say it must be a major bank credit card. I Live in a luxury complex where the lease is digital n on a login portal. He proceeds to stay that's not acceptable. Next I offer my water bill. Not acceptable, now at this point he's lying. He does wants to open this account for me. I can bet any amount of money that bank specifically doesn't offer higher services to minorities other than a checking accounts.
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I filed a dispute with customer service over fraudulent charges to my account. They said it had been filed and I would need to go to the branch. I went to the local branch and the assistant bank manager ( whose name I can not remember ) said they had indeed filed the dispute but they missed on transaction so she filed the dispute on the XXXX charge. I asked when I spoke to customer service about my incoming deposit on the XXXX and was assured that I would be able to get the deposit out. I also asked the assistant bank manager who told me that I would be able to get the deposit as well. On the morning of the XXXX, I called the bank to make sure that I would be able to get the deposit and was told that the original dispute by customer service was never done and the over {$1400.00} I had in my account at that time was taken and applied towards the negative balance. I was also told that the deposit that I was assured I could get was also taken and applied to the negative balance. I had to refile the dispute on the 7 transactions of fraud again since it was never done to start with. The last lady I spoke to said she talked with another department to " try '' to expedite a refund of the over {$1800.00} deposit but it would take 24-48 hours before I would know anything. This isn't the first time I have had to change my debit card because of fraud. I have to change it ever 3-6 months because of their laxed security. They have put my family in a financial bind and we are at risk of losing everything because of this. I spent XXXX hours on the phone with the bank and nothing has been resolved.
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PNC Bank purchased BVBA bank in XXXX of XXXX. I had a Covid extension with BBVA in XXXX. I paid the account in full before the COVID-19 hardship was to expire, BBVA did not report my account as late to the credit reporting bureaus. After PNC purchased, the XXXX XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to PNC directly XXXX I went up the chain of command within PNC with no resolution. I have asked for all records from my account with BBVA including the hardship deferment during COVID-19. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with BBVA. PNC is reporting on an account that PNC did not own at the time of reporting. The original creditor at the time, BBVA, did not report me late for XXXX of XXXX.
Company Response:
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A