Date Received: 2023-01-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: An account was fraudulently opened in my name and has been causing a great deal of harm to my life ever since. This account has been misrepresenting my credit report for the last 3 years and has caused insurmountable losses physically, mentally, emotionally, and financially. I demand this account be removed immediately from my credit report as it violates my civil rights by showing misleading information to creditors.
Company Response:
State: NJ
Zip: 089XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: PNC issued me a credit card and I was on business travel and the credit card was not even activated few days later they decided to close the credit card due to non activity and reported it to the XXXX XXXX credit that the account was closed which had been on my credit report even though t it was not my mistake and now they are not willing to fix it
Company Response:
State: FL
Zip: 32526
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Im encountering a situation caused by a duplicate transaction that is putting me in severe financial distress. The issue was caused by a duplicate bill payment of multiple thousands of dollars that resulted in my PNC checking account to overdraft. The bill payment was processed through both PNC bill pay and my credit card company 's online bill pay for the exact same amount. I don't remember scheduling the online bill pay through my credit card, but it's possible it was user error. I'm investigating this with my credit card company, but my major concern is with PNC 's lack of action on the situation and the conflicting information I was provided after multiple phone calls. XXXX XXXX The sequence of events is as follows XXXX XXXX XXXX XXXXXX/XX/XXXX 1. Received a mobile notification that my PNC account was under my established threshold. 2. Identified the duplicate payment on my account and contacted PNC via phone within 15 min. of receiving the notification. Was told that since the payment was already pending, it could not be disputed until it was posted the next day. PNC recommended I call my credit card company to see if they could cancel the transaction. 3. Called my credit card company and they stated it had already posted on their end and could not be cancelled. However, they recommended I dispute the transaction so it would be reversed and there would be no fees changed on their end for reversing the payment. 4. Called PNC back and notified them of my intention to dispute first thing the next day once it posted. XXXX XXXX XXXXXX/XX/XXXX XXXX. Called PNC shortly after XXXX XXXX to dispute the transaction. Was told it would take 6-10 business days for the dispute to be handled. They offered no option to make any funds available and that there was nothing they could do to expedite and/or take my account out of overdraft status. However, I was assured that pending payments would be processed, and any overdraft fees would be reversed after the dispute is resolved. They credited only 1 of my overdraft fees " as a courtesy. '' 2. Received a mobile notification at XXXX XXXX that 2 of my bill payments that were in posted status that morning were being reversed due to NSF. 3. Called PNC immediately after being notified of the NSF bill payments and was transferred to a retail specialist who said they could expedite the dispute and there would be a resolution within 24 hours. She said the NSF transactions could be addressed after the escalated resolution. XXXX XXXX XXXXXX/XX/XXXX XXXX. Called PNC at XXXX XXXX to check the status of the dispute. Was then told that my dispute could not be escalated because it was not a debit/credit transaction. No additional solutions were offered other than to wait 6-10 business days. XXXX XXXX This situation is extremely concerning for the following reasons : 1. PNC would/could not take any action on XX/XX/XXXX when I identified the duplicate transaction. 2. 4 bill payments were processed the morning of XX/XX/XXXX. The large duplicate payment was processed first, which took my account into overdraft status, causing the 3 other bill payments to post as overdrafts. This occurred even after calling the day before to report the issue. I don't believe it was a coincidence the large duplicate transaction posted first. 3. All 4 bill payments were marked as posted the morning of XX/XX/XXXX, but at XXXX XXXX 8 hours after the dispute was filed, 2 of the payments were reversed as NSF after I was assured this would not happen. Amazingly, the large duplicate transaction was not considered NSF. 4. I was informed there was an escalation process that could address the situation in 24 hours, most importantly to review the NSF transactions. However, I wasnt informed the duplicate payment wasn't eligible for escalation until calling after the requested waiting period. 5. It is clear this transaction is an error and there is 0 urgency to resolve. Meanwhile, my account is in overdraft status, bill payments are being refused due to NSF, and I do not have access to any funds.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XX/XX/XXXX - A man gives me an electronic check from XXXX XXXX to purchase my sofa. I wait until the next day and it is posted to my account. Funds are available. ( XX/XX/XXXX ) XX/XX/XXXX - I called Pnc ( XX/XX/XXXX around noon ) to verify the funds and status of the check. XXXX and MD both from customer service tell me a posted transaction indicates that the deposits is fully processed and completed. They also said that posted indicates that the merchant has successfully collected the funds. ( I have screen shots of them writing this in our chat that I can upload ) Knowing that information, the guy then asks for a refund and no longer wants the item, so I refund him via PNC XXXX ( XX/XX/XXXX around noon ) I didnt think anything of it because I had been told by PNC that the check was posted and fully processed. This guy started to act and communicate very strangely so I called PNC back and let them know and then they told me that sounds like fraud. At that point I had already sent the XXXX as a refund. ( Around XXXX XX/XX/XXXX ) I called XXXX and they told me since I used PNC XXXX send the money that they couldnt help me but eventually I spoke with a high up supervisor and he could only help by filing a case for this the case number that he gave me for XXXX XXXX XXXX. ( Around XXXX XX/XX/XXXX ) I called PNC back to see what we could do since the XXXX XXXX were still only pending but they advised to wait until they are posted to call back and file a dispute. ( Around XXXX XX/XX/XXXX ) XX/XX/XXXX - I spoke with XXXX XXXX XXXX from PNC ( on the record ) She CLEARLY states that the check is valid, verified and fully processed. She tells me that I shouldn't worry, and that she saw a temporary hold on the check to verify, and that hold came off since they verified that it is legitimate. She reiterates several times that the check is fully processed, that the funds are fully received, verified and available. ( Conversation ended at XXXX on XX/XX/XXXX ) XX/XX/XXXX - Check bounced and came back with a {$12.00} service charge as well. I then drove straight to my local branch and met with the Branch Manager at XXXX in XXXX, XXXX She helped me file a dispute and a complaint for PNC XXXX She was very apologetic and felt horrible that PNC would give me such false information regarding this check. XX/XX/XXXX - XXXX XXXX from PNC called me and started helping me build the case to receive the refund. She too was very apologetic and understood the issue or misinformation that was given to me. At this point ( XX/XX/XXXX ), there still hasn't been a real update other than XXXX continuing to work on the case and fight to get my money back. I have proof of multiple PNC chats and phone recordings that all state very clearly that the check is valid, verified, and fully processed. For the check to be sent back as fraudulent ( after I had returned the funds to the check sender ) was extremely misleading and frustrating since PNC very clearly communicated to me that the check was verified. I would really appreciate help with this matter in making this right on PNC 's end. This was not honest or integral on PNC 's end at all. Again, please view the phone call with XXXX on XX/XX/XXXX at XXXX XXXX. This is the most clear and direct information about the check 's status. PNC should have recordings for all of the phone calls.Thank you.
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Transactions totaling {$2100.00} from my checking account from XX/XX/2022 thru XX/XX/2022 from a dispute for a fraudulent transaction from a company caught in a scam. Services were purchased that were NEVER received. The bank, instead of correcting the issue and crediting the funds back to my account, are aiding in the scam and approving of the fraudulent activity for which their customers fall victim due to NO FAULT of their own. If banks are not for the customers, it's clear to see that PNC doesn't really care about their customers financial safety and correcting situations when THEY are wrong. If this were a purchase on XXXX or from XXXX XXXX for an actual product that needed to be assembled ( with both companies partnering with individual contractors to assist their customers with assembling the product ), and the product was delivered with the contractors never showing up to assemble the product, the funds would have been refunded. XXXX or XXXX XXXX receive their payment for the product, and the contractor is also paid to schedule and come out to assemble the product. However, if the contractor does not show up and provide the services paid for, the funds should be refunded/the transaction reversed because no services were received after being paid for. Of course the transaction was authorized because the customer was paying for a service that was to be rendered ( which it never was ). In a day and age of social media ruining companies profiles and customer retention ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), one viral video could become a marketing and PR departments nightmare, especially when several customers have experienced the same issue and have the receipts, emails, and recorded phone conversations on how their trusted bank aids in supporting the companies that scam their customers over their customers hard earned funds on transactions they have the authority to reverse ( as I've had credits back to my account on a couple occasions when a service WAS NOT received and the bank REVERSED the transaction WITH NO PROBLEM ). Services paid for that are not received automatically void out a transaction as being approved/authorized and the funds are to be refunded back to the customer ( regardless if the transaction is a credit card payment OR a debit card/checking account transaction ).
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: From XXXX prior complaints that had been closed, PNC mortgage continues to notify me that the situation has been resolved but as of today, my monthly escrow amount is double what it should be. I've attempted to request them to revalulate my escrow in the past and each agent responds by saying : either they only do revaluation in XXXX & XXXX, OR it can only be done once a year ( XXXX ), OR they have submitted the request. In prior year XXXX, my annual insurance premium was {$680.00} and my property tax was {$210.00} so therefore my total yearly escrow amount should be around {$900.00} yet my monthly escrow amount is {$200.00} which amounts to {$2400.00} ( an overage of {$1500.00} ). So now they said they issued a refund of {$1500.00} on XX/XX/XXXX ( though i have not received it yet as of XX/XX/XXXX ) BUT my next monthly escrows is still set at {$200.00}. I have tried to request that i take over paying my tax & insurance and thus close the escrow account but they said I would have to pay an escrow closure fee of {$120.00}.
Company Response:
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: Scammers made it seem like a friend was in danger unless I wired money to fly them home. Starting on XX/XX/XXXX. I wired 4 installments of money to various banks in the USA. The first two installments were {$5200.00} each. The third and fourth were each {$25000.00} I could not get the money back unfortunately.
Company Response:
State: PA
Zip: 19348
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Almost a year or XXXX ago when XXXX merged with PNC, they've implemented " MONTHLY SERVICE CHARGE VR '' fees for {$7.00}. I rarely have money. On XX/XX/2023, I had {$0.00} because I don't work and have been going to school, but couldn't as my family and I are poor and can't afford to do most things. They charged me on that day, reduced me to - {$6.00} and sent me an alert on Monday that I had low cash and that " If you don't bring your account balance to at least {$0.00} by XXXX p.m. ET on XX/XX/2023, your account will be charged an overdraft fee ( XXXX ). '' I've talked to them in person and on the phone before and they said it's part of the policy, that if you are under {$500.00}, you will be charged monthly for {$7.00} and there's nothing they can do about it. I'm lucky I was able to ask somebody for a quick cashapp because I wouldn't know what else to do. This is ridiculous as XXXX never had that. PNC charges on that and would have Overdrafted me if someone didn't intervene for me and send me money as an emergency. It doesn't make sense to take money when there is no money. I've had to do this twice and it's annoying. Whomever implemented this at PNC is preying on people.
Company Response:
State: TX
Zip: 785XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited {$140000.00} into my checking account on XX/XX/2022 and they froze the deposit and will not open the account. They keep changing there story.on why the can't release the money. This money is sitting in a non-interest bearing account and by my account they owe me and my wife {$2800.00} in interest at XXXX XXXX per month times XXXX months, Not to mention all the time, grief they have caused.
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I attempted to deposit {$2.00} in cash in an ATM located at a PNC Bank located at XXXX XXXX XXXX XXXX, PA XXXX. The debit card has XXXX and XXXX network icons printed on the card. The debit card was issued by PNC Bank but is branded as a Fidelity Cash Management Account Debit card and I was advised by the issuer to consult the VISA ATM Locator for compatible ATMS, XXXX XXXX XXXX the website and locator indicates that shared cash deposits can be made by Visa cards and I believed that this card was a program participant. Nothing was listed in the card brochure indicating that deposits could not be processed. I also found a PNC Bank ATM since the card was issued by PNC Bank. I deposited {$2.00} and upon selecting an account the machine made some sounds and displayed a circle graphic indicating that it was processing and did not return the {$2.00} to me, instead the machine gave me a receipt for {$0.00} and printed on the receipt transaction can not be processed. Immediately after the incident at the ATM occurred I called Fidelity card services and was told to file a dispute with PNC Bank since there was no deposit activity visible on the card. I visited the branch at XXXX XXXX XXXX XXXX, PA XXXX where the ATM was located on XX/XX/2023 in person to inquire about filing a dispute, a teller informed me that I could make a non-customer complaint and assisted me in doing so, I gave her my contact information, the information on the debit card including card number, and receipts that indicated the failed transaction and was informed that I would be called back by PNC Bank. I am filing this complaint to request assistance in what I would consider a complex problem involving multiple banks and am requesting assistance with having this issue resolved. When calling PNC Bank corporate office, I was not given the chance to file a dispute and had to file a complaint through a teller, who had difficulty finding the information to file a non-customer complaint, since this issue involves multiple banks and an ATM network I feel that I may want more assistance with getting this complaint resolved. Attached are transaction receipts for the ATM.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A