Date Received: 2023-01-28
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Yes, This is a PNC XXXXXXXX XXXX XXXX. Offered by the bank. It is a XXXX debit card. Or cash card, that accepts direct deposits. You can pay with this card anywhere there is a XXXX logo. So on the XXXX of XXXX 2023. XXXX. I was going to purchase something. They summited a pending transaction for {$68.00}. But later on I used a different form of payment. So after 72hrs. Still showing pending on my card. The sale was never finalized. I called PNC bank they informed me that after 72hrs the funds will be put back on my debit card available balance this is there policy. But when I contacted the smart access card by PNC. They don't have no terms or conditions on time frame on how long a merchant has to finalized a transaction. Which is defined under New mexico as unfair Buesiness Practices. I spoke to XXXX at XXXX and said PNC bank said 72 hrs she told me 10 days or 250 hrs. I said this is not disclosed in the terms of conditions so there for you must follow the policy of PNC since the card says that. She told me that the sale is pending. I said now it's been six days. How come purchases from. The same place before and after this time frame gets posted immediately or within 12 hrs. Do you find this a little weird after 6 days. She remained silent. I said this is very unacceptable I am supposed to believe whatever you say. Because you fail to disclose this information. You must follow the PNC rules, XXXX, and the federal government time lines on pending transfers. I want my money now. I have to buy medication which for me is life saving as well as pay my car loan or it will get report. You guys are causing my suffering due to your neglect and I am going to hold you liable. When something happens to me. You are committing major rule violations. She said sorry. After 10 days if XXXX has not filed a finalized the sale then we can escalated it. I said ya and wait another 5 to 7 business days. I said there is a reason the sale is not completed and you are minuplating this situation. You know it's wrong. And I am going after you with ever legal tool I have. Even though the money is still in my account they refuse after 7 days to give it to me. Which gas started to cause me harm by my car getting report and by not allowing me access to my funds for medication. I am holding you liable
Company Response:
State: NM
Zip: 88310
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: My balance fell below threshold for a certain checking account type, and without my knowledge PNC bank started automatically instituting monthly fee. I received no notification that I was going to be charged this and instead only discovered it when closely reviewing my transactions. The bank refunded one month but this had been already going on for 6 months
Company Response:
State: WI
Zip: 53211
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Filed two a claim against a company and the first one was issued provisional credit. Second claim was not because I was told it was filed wrong. Called the bank and told them it was the same dispute as the first one that was issued credit. They told me they would refile. After not hearing anything I was told it was never refiled, so I asked for a supervisor. I was then told I would be called back. Was called back by someone in the executive office who told me she would file claim correctly and would keep me informed. At this point my account is overdrawn so I asked if I cant be issued provisional credit please give me a call so I can make a deposit. Never heard from her. Account was charged off and was told I couldnt be issued provisional credit I would have to wait until results of 2nd claim although first one had been paid. Results can back in my favor. I was originally told I could go to the bank and receive funds and now I am being told that I checked will be mailed in the business name well they closed my account for no reason and that was the only business account I had. Now Im being told the check will be in the business name so how am I suppose to cash it at another bank when that was the only business account I had? They opened the account back up to make the deposit and then closed it and are going to mail me a check now which makes no sense when they could have just left the account open since it was not my fault it got closed. Its like I am being pushed for filing a LEGITIMATE claim and I have no access to getting my money.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was refered to you by your attorney Generals office. On XXXX/22 I sent a certified bank check for {$60000.00} from the pnc bank in XXXX XXXX to the pnc bank at XXXX XXXX XXXX in XXXX XXXX Florida to account # XXXX in the account name XXXX XXXX a XXXX XXXX XXXX. I now know it was a scam as he is in trouble with the authorities in Florida. I am told he wants to return the money to me as he was never able to withdraw the funds in the first place. He can not contact the bank as I am told he is XXXX XXXX XXXX???. I have tried on numerious attempts to see if this is true with PNC bank but they will not give me any information. All I am asking is my money still in the account at PNC bank? so mabey I can get it back or is the account holder not telling the truth. I am a roofer and that is a lot of money to me, if I have a chance to get it back it would be nice?? /, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an XXXX XXXX XXXX XXXXXXXX XXXX account with PNC around mid of XX/XX/XXXX. There was a XXXX of {$400.00} when you establish total qualifying direct deposits of {$5000.00} or more to the Spend account. On XX/XX/XXXX, there was a DIRECT DEPOSIT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unemployment account of {$4700.00}. Then other DIRECT DEPOSITS from my employer on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling {$4200.00}. Clearly, it shows that I am well beyond the {$5000.00} deposit requirement PNC is requiring. However, after a phone call on XX/XX/XXXX with a rep from PNC, I was informed that the {$4700.00} DIRECT DEPOSIT from my XXXX XXXX XXXX Unemployment account won't count towards the bonus. In XXXX, one can't ask the XXXX, the Unemployment agency, to deposit the funds into any random Checking account. Funds are dispensed into an XXXX XXXX XXXX XXXX account, and from there, it can be transferred to any personal checking/savings accounts. Now, PNC doesn't want to recognize the DIRECT DEPOSIT transfer that was made from my Unemployment account as a LEGIT DIRECT DEPOSIT so I can qualify for the {$400.00} Promo. These are all very misleading tactics orchestrated by PNC as their fine print shows that a direct deposit from an employer or an outside agency ( Social security, payroll, benefits, etc... ) will suffice as a requirement for their {$400.00} bonus.
Company Response:
State: CA
Zip: 95131
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: The following has been going on since XXXX. In short, we have been trying to get into my father 's safety deposit box since the passing of my mother, that same year. I have flown in and to Court on a number of occasions in order to get the necessary signatures from the XXXX from XXXX. We have been denied at least 6 times from the legal department although we gave them everything they asked for. Below please find communication that was sent to the CEO of the Company and members of the executive team in XXXX ( names have been modified or deleted per the instruction ( XXXX ). " Good Morning XXXX XXXX ( XXXX PNC Bank ) : I need your assistance. My name is XXXX XXXX, and I am the executor of my father 's will. Our family has banked with PNC ( formally National City Bank ) for over XXXX decades. This case involves PNC Bank at XXXX XXXX ignoring a directive of the court to open my father 's safety deposit box, which has happened on more than XXXX occasion. My father has been deceased for more than 25 years. The attempts first started in XXXX just before my mother passed that same year as we had just learned of the existence of the box. I flew in from XXXX XXXX XXXX and sometimes from abroad to resolve this issue after my XXXX passed. I have been before the XXXX twice and have paid the appropriate fees. I also had a copy of the will that had been filed with the courts. Everytime I would come to PNC bank, there was an issue with the paperwork even though the court assured me that what I had was needed to open the box. After approximately XXXX attempts XXXX XXXX further attempts. I turned the paperwork over to my sister XXXX, XXXX, as she lives in XXXX and was willing to take up the issue. XXXX XXXX went back down to the courts and had the paperwork signed by another XXXX which allegedly gave her permission to have the box opened ( this process started XXXX ). In XXXX of XXXX, my sister was told by a representative of PNC bank that the court order to open my fathers safety deposit box was not valid, due to the paperwork being outdated. The date on the court paperwork on the lower right hand corner was too old and needed to be more recent. She went back to the courthouse to get the paperwork updated and I was told by the XXXX representative that the court order was good, date stamped it, gave her his card and wrote PNC a post-it note to call him if PNC had any questions. The paperwork was then resubmitted and was still denied by the legal division. Both my XXXX and I have asked XXXX XXXX if we could speak to someone in the legal department. We were told that they do not correspond with consumers and they do not take phone calls or emails, and there is no way to contact them. Further, the people who work for PNC bank can not talk to the legal department. XXXX XXXX states his hands are tied and there is nothing else for they can do and can offer no solutions. Given the aforementioned, this puts our family in a quandary. As the executor of my father 's will, I am unable to execute the directive. The court maintains that the paperwork is legal, PNC says it is not. This has been going on for over 7 years. Now we have a situation where there is no resolution as we can not talk to the people who deny the paperwork and advise what is needed to resolve the issue. I have called the customer service and a few other divisions to receive help, but to no avail. XXXX XXXX, the intent of sending this notification is for this to be resolved by someone who has the authority to put this to an end. According to the Court, we have the legal right to have access to my father 's safety deposit box. As the Executor of my father 's estate it is my intent to get this done by whatever measure ( s ) I have at my disposal. It is egregious that PNC has put our family through this for so long, I hope this is not due to any bias or avoidance due to some issue unknown to us. Attached please find the documents from the court. If you or any members of the Executive team have any questions, please advise. Thank you. Since sending the aforementioned correspondence, PNC has been basically non-responsive and has told us to get another form. Even then. they admit, that they can not guarantee that we will be able to get into the safety deposit box.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Attempted to deposit check into account check been on hold bank is withholding other funds not associated with check furthermore check for {$7600.00} has never been credited to my account not XXXX cent has ever been available and yet approximately {$2000.00} of unrelated funds being withheld and Bank has failed to provide statements of all accounts that Ive requested and or they send me digital links to statements that I have no credentials to access. Unauthorized subversion of funds through XXXX party transfer ( CREDIT-PUSH ). transactions to PNC account number ending in XXXX. Full disclosure of all accounts and assets property interests policys and securities held by PNC or and Partner institutions that may hold on behalf of or for by XXXX XXXX XXXX or any variation of persons, entity, individual or corporations is hereby requested to be returned to ESTATE # XXXX as I am not lost at sea as previously assumed under cannon law/ meritime law. I am not or will never abandon any credits, funds held in any institution anywhere ever where it be in my XXXX XXXX best interest known or not known.
Company Response:
State: NM
Zip: 87110
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2023 I notice that XXXX cent had been transferred out of my account to another by using XXXX! I call PNC bank to tell them about it, they said they would investigate, across they said I did it after I told them my email has been compromised on the dark web! With that being said my email is hook to XXXX and my bank account! I change my password like they said! But just got a letter saying its my fault, how is PNC able to investigate XXXX when they one of the owners! This is fraud alway around and PNC is involved in a class action lawsuit because of XXXX! Not right Im getting a lawyer involved, I did not transfer no money to this person! If anyone no how they can help me my email is XXXX XXXX
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: PNC BANK SMART ACCESS IT HAS BEEN 2 1/2 YEARS NOW I HAVE BEEN TRYING TO GET MY FUNDS OUT OF MY ACCT. I HAVE BEEN GIVEN THE RUN AROUND FROM XXXX OF XXXX AND TOLD NEMOURS TIME SOMEONE WOULD CALL ME BACK AN TILL THIS DAY THEY HAVEN'T BUT IS TAKING THE XXXX MONTHLY FEE FROM MY ACCOUNT. IN XXXX I WAS TOLD TO GO TO BANK BRANCH IN SHOW MY ID AT WHICH I DID. AS OF TODAY XX/XX/XXXX THEY STILL HAVEN'T RELEASED MY MONEY. TODAY I WAS TOLD AGAIN THAT THE XXXX WOULD DO A EXLACTION ON THE ACCOUNT. THE ACCOUNT NOW HAS XXXX WHICH THEY OWE ME XXXX
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This bank, PNC bank, took over my XXXX Bank online account over a year ago. They sent mail from PNC bank, with whom I had no existing banking relationship, so I was never made aware that they took over my account until I attempted to log into it and was rerouted to PNC bank online. I was never able to log in there, and I attempted to access the account customer service unsuccessfully because they refused to identify themselves or the contracting companies they worked for before I would give them PII ( Personal Identifying Information ). As such, all my access to my account and funds has been cut off. What's more, they request I give them my phone number verbally so they can verify it is me by sending me a verification code. When I asked them how that was secure since they are asking me for the number to send a verification code to, they got angry and told me this " being difficult '' is why I have not received service in the past and then they hung up. They insist that I go into a branch during my working hours, to deal with this. I have never banked with them and they will not have a record of my at any branch. I am unaware of any local branches either. They have been stealing XXXX dollars per month from my account for about 2 years, and I have no access to it to withdraw or transfer it to an account with a banking organization that I choose to do business with. They refuse to grant me access to said account either.
Company Response:
State: WA
Zip: 98074
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A