Date Received: 2023-02-08
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Dear Sir/Madam, I opened my bank account with PNC Bank in XXXX XXXX XXXX XXXX, however, soon after, the local branch unexpectedly closed and I found the nearest branch to be too far away for me to use without incurring additional transportation costs as the only way to use the bank would have been by using taxi which will be too expensive for me. Bank put my account in Dormant status and even blocked my access to the account. Despite my inability to use the account, I was charged a XXXX XXXX monthly fee for account inactivity for four and half years, and these charges continued even though the account was in dormant status. To my surprise, the bank never informed me of the dormant status, nor did they attempt to reach me through the phone number or email address they had on file. Additionally, I was never informed of the monthly {$15.00} fee at the time of account opening. This is a complete breach of customer trust and I would like the consumer protection bureau to help me recover my hard-earned taxpayer 's money from this unethical financial institution. I was charged this fee for almost 4.5 years before I became aware of this unethical practice. When I brought it to the attention of the bank, they only refunded me for a period of six months and refused to refund the charges for the remaining 4 years. I respectfully request your assistance in resolving this matter.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was sent a email from XXXX about an invoice in the invoice had if you did not authorize this to call this number. So I called the number and was asked to authorize a XXXX payment to prove that I was the person sent the invoice and that the XXXX payment would be cancelled so I did the XXXX authorized payments and they never cancelled or returned my money like they said it was all a scam my bank pnc would not work with me to return my money.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XX/XX/XXXX I moved to a new home and changed my address on my loan account. I made this change on the PNC Bank XXXX Banking site. Although my new address appears in the information when I log on to my account. I continued to to receive statements that were sent to my prior address and forwarded to me by the USPS. After a few months I attempted to have this problem corrected by contacting customer service through the online chat feature. I filled out an online form for another address change. This was probably sometime in the summer. I am still not receiving mail from PNC at the proper address. I then called into customer service on the phone and spoke to someone who supposedly updated my mailing address. This was on XX/XX/XXXX. Today ( XX/XX/XXXX ) I received another forwarded statement that had been mailed to my old address, dated XX/XX/XXXX. I am very concerned about my privacy because my mail forwarding from the USPS will expire soon. I do not want mail with my personal information including my account number to be received by the current occupant of my former apartment.
Company Response:
State: FL
Zip: 34683
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: The day before ( XX/XX/22 ) I was signing loan documents for a refinance, I received an email with wire instructions to send funds to escrow for closing. I thought that I would wire the money when I signed the loan documents on XX/XX/22. The email asked if I could wire on XX/XX/22 since Fed wire takes at least XXXX hours before it hits the escrow account. The email looked exactly like it was from the escrow company with the same Estimated Closing Statement. I failed to recognize that the email didn't come from my escrow agent and came from another person imitating my escrow agent. On XX/XX/22 I went to XXXX XXXX XXXX XXXX on my lunch break around XXXX and placed the wire. I was told that the wire transfer wouldn't happen until the next day ( XX/XX/22 ) since I missed the noon cutoff. The wire was officially place on Friday, XX/XX/22. I signed the loan documents on XX/XX/22 around XXXX. The notary gave me the wiring instructions that looked exactly like they came from the escrow company, and I told him that I already wired the money. He thought nothing of it, and we moved on signing the papers. XX/XX/22 was a bank holiday. On XX/XX/22, the escrow agent said that she hadn't received the wire transfer yet. I asked the bank to put a recall on the wire after I found out that it went to the wrong bank. Later in the afternoon, I found out that the email was fraudulent, and XXXX notified PNC Bank that the wire was fraudulent. PNC took no responsibility for accepting a wire transfer with the wrong account name, and said that there is nothing they can do. I realized that I made a mistake by not recognizing the fake email address, but PNC Bank made a bigger mistake by accepting the wire transfer with the wrong account name. I feel that there has to be some consumer protection here. If PNC Bank doesn't check the account name on a wire transfer, anyone can launder money. Isn't there any checks and balances?
Company Response:
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: PNC closed my accounts after 10 years and has not offered any reason. They did not notify me. I found out when my card was declined when I was attempting to fill my car with gas on XX/XX/2023. When I called the PNC costumer service line, I was told there was nothing they could do to help me, they could not give any information, and my money was in a check in the mail. They stated PNC can choose who they want to bank with and they " choose not to bank with you ''. When I went to the bank they told me there was nothing they could do to help me, the check was mailed on XX/XX/2023 and they could not tell me why this happened. No information provided. It wasn't until I posted about the experience on social media that anyone reached out to me. At this point, they have told me there is a letter in the mail explaining everything, however, I have not received this letter so I have nothing to upload at this time. They reached out to me on XX/XX/2023 because of my XXXX posts and I requested they overnight the check. They said they would be in contact with me.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a 1099-INT in my name, address, and social security number for a XXXX XXXX XXXX in the amount of {$740.00} on or about XX/XX/XXXX. I have no XXXX XXXX XXXX nor do I have account with PNC. I have called PNC and visited a local branch in XXXX, XXXX on XX/XX/XXXX. The Assistant Manager promised to investigate but after more than a week could only provide the date of the alleged transaction ( XX/XX/XXXX ). They told me that there was nothing else that they could do. This was a either a blatant error by PNC or they were party to a fraudulent transaction. Please help resolve this issue.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This problem has to do directly with PNC Bank and their policies. I have been a long term customer of PNC Bank for approximately 6 to 7 years. I reached out to PNC Bank a day after noticing I had accidently overdrafted my by about {$8.00} with 2 transaction and immediately sent payment to cover the overdraft as soon as I possibly could. I was still charged a {$36.00} overdraft fee. I reached out asking if they could waive the fee but was told that I would " have to wait til XXXX '' for my next overdraft fee waive. So I filed an official complaint against the overdraft fee so that it could be reviewed. PNC abides by it's mission statement that " for more than 170 years, we have been committed to providing our clients with great service and powerful financial expertise to help them meet their financial goals. We are proud of our longstanding history of supporting not only our customers but also our communities, employees and shareholders. '' Personally, I do not believe that taking funds from customers who lend and trust a bank with their money, while the bank provides little to no benefit to their customers is a sound form of banking in today 's more modern world. In XXXX alone, PNC raked in nearly {$270.00} XXXX in overdraft fee revenue ; to clarify that would be over XXXX customers that PNC Bank was able to profit of off. I don't see how this helps PNC customers to " meet their financial goals '' as the company claims in its mission statement.
Company Response:
State: MD
Zip: 20832
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: International wire transfer of {$7500.00} sent by my wife using our bank account on XX/XX/XXXX via PNC bank using XXXX XXXXXXXX XXXX as an intermediary bank and Bank XXXX XXXX as the beneficiary bank with an availability date of XX/XX/XXXX. About a week later, the beneficiary had not received the transfer money yet. Spoke with a PNC bank branch banker who double checked the beneficiary 's account number was entered correctly. Branch banker just stated he found it weird and that he would talk with his manager about it but that we still should wait some time because all the information was entered correctly and the transfer could just be delayed. About a week later, we spoke with the same branch banker to complain about why the beneficiary had not received the transfer yet. Branch banker stated a case was open and we should wait 90 days for a resolution of the case. Every week we would go and talk to the same branch banker and the only respond we would receive would be " everything is still the same with the case. I am sorry. '' The beneficiary spoke with his bank manager and was told the bank had received a phone call stating they had a money transfer but the bank sending the money never sent the money and the beneficiary bank rejected the transfer because of a lack of funds. The Bank XXXX XXXX tracked the transfer and the respond was that the money was returned to the intermediary bank, which is XXXX Bank. We attempted to talk with XXXX XXXX bank and they turned us away stating we could not complain to them because we are not their costumers and only PNC bank can raise a complaint because they are the ones who sent the money. On XX/XX/XXXX a complaint was done to PNC bank and a case manager was assigned. Every week we would call PNC bank to follow-up with the case and we would receive the same response that it was being investigated and we had to wait. On XX/XX/XXXX, we received a letter from PNC bank stating the case complaint was resolved and the funds were received by the beneficiary bank on XX/XX/XXXX. After this, we called the beneficiary to ask for account statements as proof that the transfer was never received. We took the account statement to PNC bank to show the transfer was never received by the beneficiary. PNC bank said they will check what happened and see if there is anything they could do. On XX/XX/XXXX, a new complaint case was opened by us and the same case manager contacted us via email asking to please call him to talk about it. We spoke with the same branch banker who also got in touch with the case manager. After this meeting, we were told we did not have to go the bank anymore and that they would constantly communicate with us via email. On XX/XX/XXXX, we received an email from the PNC branch banker stating that the " wire transfer was performed with an error on his side and it is not under his control since the bank receiving the money has return it '' and that " on his side that is all he can do. '' After receiving the email we talked to the PNC branch banker manager who stated " well that money is lost so leave it as it is or get a lawyer. '' We called PNC bank again to ask for any updates and they stated the case was resolved. We did not agree to it and the case is currently opened again.
Company Response:
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XXXX XXXX XXXX I go into pnc bank and was told my account has been frozen some lady called from another state and froze my account and told me the bank was closing my account because my friend went into another pnc bank and added cash into my bank account also I had a open dispute opened and they did not follow the correct percedure to settle it instead they closed my account and took XXXX out of my account
Company Response:
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am being auto billed, {$21.00}, for checks I dont need. XXXX, PNC customer service rep, said the checks are shipped before the auto charge is made, so the order cant be canceled and I have to pay. He said I have been on auto ship for the last few years, something I never signed up for. If you check the records you will see I have never had checks auto shipped to me, I have always ordered them online for the free checks and shipping. Plus I still have about XXXX checks from the last manual order, and since I only write a couple/few checks a month, these will last me more than a year. I dont need more checks, I use online bill pay mostly. I received a text in XXXX about the checks and went online to cancel. When I found the section about auto order, the only option was to enroll, so I thought the text was a mistake. Turns out, you have to click on enroll to un-enroll/ cancel auto order. Now I am receiving checks I dont need, and am being charged for something that has always been free in the past. Their website is deceiving that you have to click on enroll to cancel an enrollment. I realize {$20.00} is not much, and for that reason I wasnt going to complain, but then I wondered how many other people are they doing this to. Plus for this charge, I only received a XXXX of the checks I get when I order the free checks. You will see on the attachment what you have to click on to cancel auto bill/ship checks.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A