Date Received: 2023-01-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have attached the complaint under the " Attach Documents '' section. It was a little long to try to copy into this box.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: PNC is trying to collect an illegal debt. The debt was charged illegally, pnc had admitted this, and then ignored all other attempts and sent false documents to the CFPB. PNC has broken atm machines, and blames customers. PNC is literally stealing money. What are they doing when atms dont accept cash, but the same atm allows cash withdrawals? Why does pnc send fake accounts to collections agencys? Why does PNC submit false documents to the CFPB. Why does pnc not respond to any concerns? PNC has sent documents to the CFPB claims this debt has been sent off to collects to CCs. As detailed in our response dated XX/XX/2022, the Spend was closed by PNC on XX/XX/2022, with a balance owed of {$69.00}. PNC did not receive payment for this balance and forwarded the account to XXXX for collection. They can be reached at XXXX. PNC has STILL collected on this debt that they no longer Owe, and that they sold. It was put into my collections, and I was harassed over the illegal fee. PNC is holding my money captive and refuses to communicate with me over a mutually recorded phone line, or email. It has to be only recorded on their end, and this I do not accept and is, again, illegal in many states. And I have email proof of them denying these communication methods, then theyll the CFPB they could not contact me. PNC is blatantly breaking the law, lying to the cfpb, reporting false accounts to collections, collecting money they dont have accounts to, not returning it like a normal bank does, and are stealing customers money It has been over almost three months now. The money should be returned with interest. bank reference ID XXXX. Total amount {$290.00} Mailing adress is : XXXX XXXX XXXX XXXX, XXXX MD, XXXX.
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX a check was written to a supplier in Alabama named XXXX XXXX XXXX XXXX It was sent to a XXXX XXXX XXXX The check was intercepted in Alabama, altered with white out and is very clear to see it was white out, and then cashed a bank in Alabama. We have attempted to get the name of this bank from PNC who then put out the funds but they first mistakenly told us it was XXXX XXXX XXXX-which apparently it is not and then they told us it was XXXX XXXX XXXX XXXX which is really not a bank. We have been dealing with XXXX gentleman from PNC XXXX XXXX XXXX named XXXX XXXX and XXXX. XXXX. They allege to have been trying to assist but yet in over 2 months we have gotten nowhere. They turned it over to escalation a week ago Tuesday XX/XX/XXXX. We received a call from XXXX XXXX who needed information we did not have at our home-the call came at XXXX. I called her 3 times the next day and 3 times on Thursday XXXX. It was not until Friday morning that she called back and advised there was nothing they could do until this bank in Alabama responded. The amount of the check was to be {$3000.00} and was changed to {$9000.00}. Ultimately i have had to pay the {$3000.00} to the company for their product so I am out {$9000.00}. This is unacceptable and from everything i have read and discussed with professionals, this money should have been put back in my account. This is a federal crime. I do not even understand how PNC fraud did not detect this. XXXX advised today that again they turned it over to another escalation department. Most of all PNC has not even been able to provide us with the name of the bank that cashed the check. The company in Alabama who we issued the check to is trying to help us as well but without that name of the bank their hands are tied. They have notified the local police there and out next step would be the FBI. My grievance at this time is with PNC who should have put that {$9000.00} back in my account by now. I have been a customer with multiple accounts for over 50 years. Worst of all we have gotten no help. The way XXXX XXXX in escalation handled it was so unprofessional and disrespectful to us as customer that we are prepared to remove all our accounts from PNC once this is cleared up. The lack of assistance and concern for our money and frustration has been quite a disappointment. I hope that you are able to advise PNC Bank that the right thing to do is to replace our funds that they allowed to be fraudulently withdrawn. They sent a letter to us acknowledging the claim on XX/XX/XXXX and requesting documents which were provided. To date we have received no reimbursement.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: No action taken besides my account closed. I added money into the account and my account was still closed and still in the negative
Company Response:
State: IL
Zip: 60115
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I opened a HELOC in XX/XX/XXXX. When I got the HELOC, I was told that in order to reduce my rate and get an autopay discount, I needed to enroll in autopay through a PNC checking account. When I opened the PNC checking account, I was told that there would be no fees charged for maintaining the account as long as money was being automatically deposited into the account and i was using that account for autopay for the HELOC, so I opened the checking account, started depositing {$500.00} per month into the account ( automatically from another non PNC checking account ) and when I drew on the HELOC, I setup autopay from the PNC checking account, to ensure I would get the discount on my HELOC rate. I noticed a {$25.00} " Monthly Service Charge '' withdrawn from my pnc checking account on XX/XX/XXXX. I reached out to PNC via their chat function on XX/XX/XXXX to ask why I was being charged this fee. I was told that the requirements for the account were changed in XXXX and that if I didn't want to be charged a monthly service charge I would have to meet certain criteria for use of the account or I could change to a different type of checking account and meet the " lesser '' criteria of that account type. However, I don't meet the criteria of either checking account type and so, I was told that I will regardless be charged a monthly service charge. This is completely unfair and deceptive. Part of the reason I got the HELOC with PNC was because I would get the autopay discount and was told that in order to get that discount I must setup autopay through a pnc checking account, but that I wouldn't have to pay any fees. I was never told that this could change and I would ultimately need to actually pay ( through the checking account monthly service charge ), in order to get the autopay discount. XXXX the chat on XX/XX/XXXX, pnc did provide a " courtesy refund '' of {$25.00}, but made clear that this is a one time courtesy and would not change anything about the maintenance fee.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I attempted to pay {$40.00} to XXXX XXXX XXXX on the PNC mobile app. The past week I received a payment from XXXX XXXX. Unfortunately I sent the payment to the wrong XXXX XXXX or an old XXXX account to XXXX XXXX. Immediately I called XXXX XXXX who refused to assist ( was not a costumer ) and then PNC, that stated I would have to complete a dispute. Once the transaction posted to my account I filed a dispute for the wrong individual. Recently I received notice that my own bank PNC wont return the money and declined my dispute. Where is the protection as Ive banked with PNC for a decade now! Id like a full refund.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a check deposit for USD {$75000.00} on my checking account at PNC Bank on XX/XX/2022 as I can see since I am the same issuer of the check from another financial institution XXXX XXXX XXXX the funds were clear the same day XX/XX/2022 and as of today PNC Bank is saying that they need to verify the funds with XXXX XXXXXXXX XXXX, It is incredible that I have to call PNC to request them the status of my funds while they play with my money and they provide excuses. To further add they over draft the account and they are charging me fees and the amount that is being retained USD {$74000.00} they are unable to advise where the USD {$330.00} funds are plus ... the funds that I had in my account. It is incredible that a Bank of this size abuses with clients, if they can not allow clients to deposit funds of this amount they should be getting in contact with their clients and not their clients with them!
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied and was approved for a PNC credit card which offered a {$200.00} statement credit for {$1000.00} spent within the first XXXX days of account opening. My account opening date was XX/XX/XXXX and I have not received my credit cards as of XX/XX/XXXX ( XXXX elapsed days ). So the promotional offer is only XXXX days, not XXXX days. PNC representatives confirmed that there is a credit card production/shipping issue which has delayed delivery of the cards. So they have breached the terms of their offer and are not allowing XXXX days to receive the promotional credit. I contacted PNC to request an extension to the promotion or reset my account opening date to the ship date of the card and PNC declined both.
Company Response:
State: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had my mortgage with PNC since XXXX and have consistently made my monthly payments and until XXXX of XXXX PNC has consistently paid my taxes to the City of XXXX. The City of XXXX ( hereinafter " City '' ) XXXX taxes were due on XX/XX/XXXX. PNC sent payment on XX/XX/XXXX however when the City attempted to process the check on XX/XX/XXXX they discovered that the city put a stop payment on the check and never issued a new one. The City sent PNC notices that taxes remained unpaid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. Neither the City nor PNC altered my husband or I that taxes remained unpaid and neither of us had a reason to doubt the payment since PNC has been handling it for over XXXX ( XXXX ) years. PNC ignored said notices and never sent a payment for the XXXX taxes. On XX/XX/XXXX I received notice from XXXX XXXX XXXX that my taxes were delinquent and if not resolved in 30 days they would foreclose on my house. I contacted PNC immediately who could not initially tell me what happened, but opened up an escalation complaint in order to resolve within the thirty ( XXXX ) days. On XX/XX/XXXX PNC sent a letter to me stating that the first payment they made was to wrong parcel so they had to disburse a second payment and they were in process of getting the erroneous disbursement refunded into my account. Additionally it stated that taxes were current and paid. On my XX/XX/XXXX mortgage statement I noticed that my amount due under escrow increased by over two hundred dollars. I immediately called PNC who told me they would need to look into it as they can not explain why it went up so high since my taxes only increased by {$80.00}. Throughout the months of XXXX, XXXX, and XX/XX/XXXX I was told verbally that it was due to an escrow shortage, however they could not explain to me why it was short. On XX/XX/XXXX I received the exact same letter that I got on XX/XX/XXXX that stated two tax payments were made and they would be funding erroneous payment back into my escrow and that is why the escrow was currently short. This never happened. I attempted to speak to a live individual at a branch bank but was told that was not possible and I simply had to call customer service. That same day customer service told me they were waiting for City to refund the extra payment and that I could continue paying my normal monthly payment. I continued making my payments and PNC originally accepted. However PNC has since returned my checks for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating they could only accept full payment. My checks for XXXX, XXXX and XXXX of XXXX were not returned to me. I have not and will not cash said checks. I continued throughout XXXX, XXXX and XX/XX/XXXX to resolve the issue with PNC to no avail. On XX/XX/XXXX. XXXX I got a letter stating that when PNC ran my escrow analysis in XX/XX/XXXX there was an overage due to a tax refund and they have to dispense it to me under RESPA. This is simply untrue, not only was there not a tax refund, the whole reason there was excess was due to PNC 's failure to pay my XXXX taxes. Upon reviewing my records the overage check was cashed on XX/XX/XXXX. Before cashing the check I went to the bank branch asking why I was receiving the refund and they stated they legally had to because my escrow was over the legal limit they could hold under RESPA. There was nothing mentioned regarding the taxes. Nor could they explain to me why there was an overage but stated that it could not be held in my escrow. From XX/XX/XXXX till XXXX of XXXX they was never any notice given regarding a shortage. This is due to the fact that PNC failed to pay my XXXX taxes, were given numerous notices and instead of paying the taxes they sent me a check stating it was from a tax refund which is inaccurate. When they finally paid them in XXXX of XXXX, there was not enough money in escrow due to PNC erroneously refunding the monies to me. I spoke with the City numerous times and they indicated that one check was sent which PNC put a stop payment on. The City put PNC on notice by providing five bills. PNC for whatever reason chose to ignore the notices and refund the money that was suppose to be for my XXXX taxes. While I admit that I received the money, I did my due diligence to assess why I was receiving refund. I was not put on notice that taxes were not paid, as it has been the duty of PNC since XXXX. Furthermore, PNC not only stopped payment on my taxes, they ignored XXXX notices before dispensing the overage check to me and two more notice after in XXXX and XXXX of XXXX. And still PNC never paid the taxes. PNC finally paid my taxes XXXX of this year due to me putting them on notice that they had not been paid, a notice that I am not legally require to provide as it is their responsibility to pay said taxes. Now a year and two months later PNC wants me to replenish the escrow the {$2100.00} even though the reason it is short is due to their breach, negligence and misappropriation of funds. PNC is responsible for incorrectly refunding the escrow, however they are trying to excuse their negligence. First for over five months they stated it was on the City and they were awaiting a refund from them. When I informed them that the City was not processing any sort of refund then they attempt to say it is short due to an overage from a tax refund. There was no tax refund as no taxes were paid. Furthermore when I spoke with PNC I was informed the shortage was {$1700.00} not {$2100.00} I have been trying to resolve this for over 6 months and nothing has been done. On XX/XX/XXXX I was sent a default notice that stated I had till XX/XX/XXXX to pay the full amount past due {$2800.00}
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had opened a dispute for {$1100.00} because I had paid for a product and service I did not receive, the first dispute was filed wrong by the pnc employee so it was denied and the second was filed properly but then they closed my account without notifying me and they closed the account with a dispute open on it, which if I walk into a branch and try to close XXXX account with a dispute open, they tell me XXXX not allowed. However how are they allowed to close my account with a negative balance while I have a dispute that has not yet been resolved open, and then They turn me into collections for said accounts negative balance. I have spoken to executive client relations and they state that the merchant who I was supposed to receive the product and service from has said that the transaction was valid however it was not which I explained to the representative and they did nothing. Of course the merchant is going to say its valid because they are covering their own XXXX, yet pnc has caused a negative impact on my credit, my bank card score, and closed my main checking account all based upon false information from a salon. I find this unacceptable
Company Response:
State: WV
Zip: 26508
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A