Date Received: 2023-02-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: PNC Bank has a habit of pending deposit until the time for your overdraft fee has run up so they can charge you a late fee they then allow your deposit to go through into your account but only after theyve charged you a late fee sometimes they will hold the deposit in pending status for a few days and charge you late fees per item they take two or three business days to update their accounts and so there is no way of knowing that youve overdrafted you assume anything thats been purchased with your card is directly withdrawn But it does not show up on your account One example being I have 24 hours to bring my account up to XXXX out of the negative to avoid overdraft fees if I get a XXXX to my account for the exact amount to bring my account to XXXX it stays pending until the clock runs out and they charge me overdraft fees
Company Response:
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Thursday evening, XXXX, I was contacted by my daughter asking if i withdrew any money from their checking account at PNC bank in the amount of {$1500.00}. I did not withdrawal any funds and have not had access to their account in years ( i cut my card up and have never received another ). Note : The account was opened by my daughter many years ago ( XXXX? ) when getting ready to go off to college and i was listed on her account so i could assist her if she needed help with her banking while away at school. On Friday morning, XXXX I received a text from my daughter saying that her husband called the bank again and was told that I took the money out, he informed them that i did not and asked that I call the PNC XXXX XXXX. Which i did immediately! On that call i was transferred to XXXX different people, each XXXX had a different story, XXXX stated that i wrote a check ( i informed him that I don't have any and never did ); was transferred to a woman who then told me that she sees the transaction but needs to transfer me to her manager, i get to XXXX, the manager and he informs me that the reason the funds were withdrawn from my daughters account is because my son, who also had an account and my name was also on that account ( for same reason as my daughters ), was overdrawn by that amount and since my name was on both accounts they took it from my daughter 's account. XXXX then proceeded to tell me that it is their policy if they can not obtain funds from an account and the perons name is on another account they can take it from there. Well i am not the primary account holder on either of these accounts so i am not sure how that is even legal They took that money unknowingly by any of us from my daughter and her husband who have a baby on way in a few weeks and she will be out of work. Further, my son 's account was overdrawn by this money and was under investigation for a scam ( he has documentation to show proof of this ) I asked them to put the money back and that they were in process of investigation that dispute for what was done to my son and what right did they have to take any money until the investigation was complete. I was told by XXXX they can not put the money back at branch level as it was a corporate transaction and that i needed to speak with someone higher up. XXXX put in a claim for me and said they would call me within XXXX hours ( he said prob earlier since the seriousness of situation ). I received a call on XXXX from XXXX and told to call him back at XXXX, I called him back multiple times only to not receive a response for XXXX days until i called again on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Finally on my call on XXXX at XXXX am i was able to get to a woman named XXXX who told me XXXX was busy and would call me back. We eventually spoke on Wednesday afternoon and I explained the whole situation to him regarding the fraud on my son ( they closed the dispute and the investigation was never fully conducted or completed ) I asked him again to return the money they took from my daughters account as they had nothing to do with any of this and that we would all work together to finish out the investigation on the fraud committed ( {$2000.00} ) on my son which resulted in the full {$2000.00} discrepancy. I was informed the dispute was closed... no formal investigation conducted, and they were now closing the new account opened and returning only half of the check he deposited later from his recent job as they were choosing to dissolve the banking relationship. So, in all now they removed initially all the money direct deposited from his employer ( $ XXXX ), then the {$1500.00} from my daughter 's account and now he had deposited a {$5000.00} check last week that he was told they were returning only half that money in cashier 's check and closing his new account! I appealed to him and asked him to stop talking about his policy and process and listen to what i was telling him and attach the human to the situation as this was not normal overdraw situation where my son overspent and needed continued investigation until fraud uncovered. i asked him how he would have handled this if i had just called and said i am reporting fraudulent activity and he told me the same way as they are?? He also shared that because my son used XXXX to send the money to the theif the app is for family transactions... they could not do anything. Also, these people scammed my son and he sent transactions through XXXX and apple pay. I asked him to go back and see what he can do given the situation and he promised to call me by EOB on XXXX with update ... .no call happened. I called again today XXXX and every time it rolls to a VM. this is horrible all around but mostly that they went and took money from my daughter and her husband because my name was on the account from years ago when my daughter opened it up. I need PNC to make good and put that money back in my daughters account, and then to continue looking into the fraudulent activity ( which they acknowledged ) on my son, and also to give my son back the money they took from him to cover the {$2000.00} fraud ( he is self-employed ) conducted on him!! I always recommended PNC i thought they were good for student and getting accounts set up but now i will do everything in my power that people know this is how they do business with long time customers and rather look at a small print policy than actual deal with a person and do the right thing. I am very upset and would like some resolution and restitution for both of my children.. I am attached a redacted document that shows the conversation and the scam conducted on my son that needs to be investigated fully!.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: PNC BANK phone number # XXXX The bank is charging fees on usage with debit cards while the company reduces the amount of branches therefore forcing clients to access funds from debit machines and charging customers and making it inconvenient. Also, recently the debit card I was issued is not working properly ( 30 % of the time the card worked ) When I requested a new card I was assured my card would still work until the new card arrives. But the company put my card on hold until the new card arrives causing financial hardship not accessing my funds. After repeated attempts XX/XX/23 of calling in. I was constantly sent to other departments that were not able to help. The 2nd attempt with the customer service rep said the dept. that handles this is busy and I can't be helped, when I asked to have a supervisor get on the phone I was again transferred to a different department that couldn't help to avoid the transfer to the supervisor. I have contacted for the 3rd final time to get a supervisor, and the female service agent got me in touch with her supervisor ( XXXX XXXX who did nothing to resolve the issue and said she is not able to help me and again that she would have to transfer me. She said my card was not on hold that it's another issue making it more confusing and not explaining the reason. As i asked her why when I put my card and pin in the PNC debit machine that it did show my account but not let me access my cash. I told her I also tried to use my card with a purchase and was also declined. I told her this needs to be resolved before the weekend to access my money as there call center is terrible on the weekends. I explained to her this is unacceptable to contact them and have the issue resolved and she said that's not how it works. I told her to have someone fix it and call me back and nothing has been done. I am still unable to use my card. The mismanagement starts from the top all the way down to the service agents.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On the morning of XX/XX/2022, I realized within 10 minutes after submitting two XXXX payments, that I had been scammed on XXXX XXXX after listing several items for sale on XXXX XXXX. I immediately walked from my university library to the PNC branch on campus that was about 5 minutes away, to notify them of the issue. They basically said " the transfer is immediate, we can not stop it '' even though the amount had not yet been deducted from my account and PNC, along with XXXX could totally have arranged the transaction to be canceled right there and then. They told me to wait for the amount to be posted on my account before filing a dispute, and proceeded to give me a wrong number to contact. I filed a dispute with PNC with no favorable results, even after providing details about the transactions, the XXXX accounts that the transfers were made, etc. In addition, I was provided a letter that said I could call to hear the details of a dispute, with a number provided. When I called the number, no one could give me ANY details about the dispute even after multiple follow up calls and transfers. They scheduled to have a supervisor/manager call me back after I provided them with my available times, but it is as if they INTENTIONALLY call me outside of the available times I had provided. I have been a loyal customer to PNC for 10 years and the last supervisor/manager I spoke to asked me in a very disgruntled way, " what do you want? '' and proceeded to send me around on another wild goose chase with no additional useful information. The total amount of these XXXX scams were {$350.00}. PNC along with other banks, OWN XXXX. Therefore, PNC as the owner of XXXX, AND the bank I chose to bank with for the last 10 years should take responsibility by refunding {$350.00} to me. ( The amount of the transfer that I had promptly requested to be cancelled. ) PNC also needs to take responsibility for their refusal to provide additional details on my dispute and take better steps to address disputes in the future. I am happy to provide any additional documentation or photos needed in a follow up. But please do not waste more of my time unless you will, in fact, process this refund back to me. XXXX scams appear to continue to affect many people. Enough that it is still a huge news topic even today. Banks like PNC and others that own XXXX have been unethically evading responsibility for long enough. Please hold them responsible!
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We have done our banking at National City Bank then ( Name Change to PNC Bank ) for more than 20 years. We choose to close our safe deposit box in XX/XX/XXXX as we were planning to move out of state. We went into to local branch of PNC Bank ( XXXX Illinois XXXX. XXXX, XXXX, IL ) at the end of XX/XX/XXXX and retrieved all of our belongs from our safe deposit box, signed the papers with the teller closing the box and returned the key to the teller. I asked when we would get a refund for the unused time, and she indicated you do not get a refund. I did not agree but choose to move forward and not escalate the matter. Then in XXXX I received a notice indicating on XX/XX/XXXX I will be charge for a renewal ( letter dated XX/XX/XXXX ). I called on XX/XX/XXXX the number on the letter as instructed if any questions and talked to a XXXX. She indicated there was no record of closing the box. After a discussion the matter was escalated, and I was advised a different person would call me back about the situation. On XX/XX/XXXX a different person called me to discuss the matter. She took down information and advised she would call me back the next day after she talked to the branch. Today ( 1 week later ) she called back and indicated nobody in the branch would answer the phone until now ( yes, I said no one would answer the phone at a Bank during normal business hours ) but has now talked to the branch and the box is still open. I need to prove it was closed and send her that information. I could not believe I had to prove I do not have a key to the box and show papers that the bank never gave me, or they will charge my checking account. I do not feel the burden of proof is on me, when I have already done everything in XXXX I was supposed to do. The burden of proof is on the bank to prove they have an agreement that has not been cancelled. We signed the signature forms the day we closed it and signed the same forms on that day indicating the box would be closed. I would feel it is against the law for a business to bill more than customer for the same box. As I closed the box and they want me to pay and I feel they have re-rented the box to someone else, this would be against the law.
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: AGAIN! PNC BANK CREDIT CARD HAS TAKEN AN UNAUTHORIZED {$340.00} OUT OF MY ACCOUNT. XXXX THEY TOOK AN UNAUTHORIZED {$840.00} OUT OF MY ACCOUNT. AFTER SPEAKING WITH THE REPRESENTATIVE SHE CONTINUED TO TELL ME THAT THEY HAVE THE RIGHT TO TAKE MONEY OUT OF MY ACCOUNT, BECAUSE I ACTIVATED THE CREDIT CARD. THE RESPONSE FROM PNC BANK, FROM MY PREVIOUS COMPLAINT THEY HAVE UPLOADED A FRAUDULENT TERMS OF AGREEMENT JUST TO STATISFY MY COMPLAINTS TO THE CFPB.THAT WAS NOT TERMS WHEN I SIGNED UP FOR THE CREDIT CARD. I AM CONSTANTLY BEING HARASSED BY THIS CONTINUED AND DISGUSTING BUSINESS PRACTICE OF PNC BANK WITH NOTHING BEING RESOLVED. THE CARD HAS BEEN CLOSED FOR MONTHS. I HAVE NEVER AUTHORIZED PNC BANK TO WITHDRAWL ANY MONEY FROM ANY OF MY ACCOUNTS! THE INTEREST RATES ARE RIDICULOUS FOR MINORITY AND XXXX OWNED BUSINESSES. EVERY TIME I TRY TO PAY A BILL PNC BANK HAS ALREADY WITHDREW MONEY FROM MY ACCOUNT WHICH PUTS ME FURTHER BEHIND.
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Lender relabeled a mortgage as a " Home Equity Installment Loan '' and are telling me that, for example, that they are applying {$730.00} for my XX/XX/2023 payment to my Outstanding Principal, yet they show on my XX/XX/2023 account statement that they only applied {$440.00} to my account principal for XX/XX/2023. The numbers are wrong and it was supposed to be a mortgage. The difference has amounted to more than {$15000.00} so far. T The lender is PNC BANK.
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had XXXX in XXXX of several accounts I had with PNC bank. On XX/XX/23 I got a letter stating that they were closing this account do to inactivity, I called immediately to see if I could fix that by using the account or transferring the money to my saving or checking etc. This was an account I had to save money that I did not want touched I did not know I needed to do something with it. When calling I was told the money would be sent by cashiers check, i was unhappy with this because it's not safe with our current mail system they said it was to late to transfer. I didn't understand how they could do this and I was told they were choosing not to do business with me any longer. I said so are closing the other XXXX account in my household. She said no just this one. On XX/XX/XXXX I called back because I still have not received the check. I was then told by PNCthat they did not send the money to me and they could give me no further information, that at this time they were choosing not to do business with me I have other accounts with my day to day stuff in it. I work my XXXX off to have this money just vanish. No-one is helping me at the bank and won't tell me where the money was sent I owe no-one money All my accounts are in good standing I own my car I have no collection agency calling I don't " know where my money is.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage loan at PNC bank. In XX/XX/2022, a tree fell on my home and demolished it. After informing PNC bank of this situation, they sent out a person from the mortgage insurance department. The insurance department declared it a loss and communicated with me about this. I received a check in the mail from the insurance company a few weeks ago and also included was a printout detailing what would be required is I wanted to rebuild. I informed PNC that I am not interested in the rebuild, however, wanted to payoff my mortgage loan balance. For XXXX weeks now, I have tried to get my mortgage loan payoff, I have spoken with PNC by telephone, I have visited a local office and called the mortgage department again and again, they won't give me a payoff. The branch I visited is trying to help me get the payoff, they have not received any information either. I do not know what to do now, please help me get my payoff and help me resolve my mortgage loan with PNC bank.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: PNC Bank closed my account after I correctly and properly replied to a security text that was sent regarding a purchase. I was then referred to a branch where I felt I was discriminated against because my first name can be used for both genders. I was asked and correctly answered a battery of security questions and even demonstrated I had my active PNC ATM card on me and demonstrated that I was able to access my account through the banks ATM all while being pressured and scrutinized by a bank employee. At one point I even suggested law enforcement should be called so I could have proven I was indeed the proper customer. Subsequent to the branch visit my account was terminated and PNC even refused to accept my monthly payment when I visited a branch to make a payment. When I called customer service so I could receive a monthly statement with a payment stub and envelope I was denied, therefore purposefully making it impossible for me to make the timely monthly payment and eventually causing my credit report to reflect late payments. Despite this I still sent in a timely monthly payment for the estimated payment.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A