Date Received: 2022-12-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: RE : ACCOUNT XXXX Complaint # XXXX To Whom This May Concern ; This notice of great concern, reaches the right person and/or department I hope I will be able to be heard and understood but most importantly looking for some sort of resolution and tie up the loose ends concerning this situation. I use to ne a PNC member well over 10 plus years ago for years. After leaving and coming back but never encounter any of these issues before. I now feel as though I am being held accountable for the fraud department who is put in place to monitor my account from things like this. If this was my fault, I would not have any issues taking accountability of this. During this time, I will say I wish I checked my account more often and been proactive and it's my fault for putting so much trust into a bank I choose to deal with had this down packed and in the bag and its my fault because I thought wrong. So, while calling the bank I was told I didnt have an account anymore and was not being told why no calls or mail was sent to me to let me know what issues my account was facing, not even a text message, but I do get them to verify my account number. As a customer who put way too much trust into this bank and had to then jump through hoops just to get some type of answers because what it seemed like was me getting casted off the island since the bank chose to close me out. However, I was not going to allow this to go un-handled I needed, wanted, and deserved answers just like anyone else. I have been a victim of identity theft and thieves so I this time was going to fight until whats right happens, thats what I do know! Back in XX/XX/XXXX, I spoken with a representative at PNC name XXXX, asking her why my account was closed and she could not give me a straight answer. I feel as though whatever she was looking at on screen at the time she didnt know and wasnt so sure how to explain! I then got representative XXXX who sent me code XXXX and filed a complaint XXXX. I ended up letting him know the poor service experience I have endured, being hung up on and nobody trying to help get to the bottom of what was going on. XXXX did let me know that part of the closure of account was due to some online charges on my account, however, he can agree with what I said about nobody contacting me about the fraud activity but stated that when PNC contacts me back about the complaint he filed for me they will also be able to see where the ball was dropped that could have stopped the decision that was made on my account. But before hanging up he did leave me with saying that the bank can cut ties with anyone they want to a not provide that person any service. So, after opening the complaint I was then contacted by XXXX XXXX XXXX XXXX ) who sent a code ( XXXX ) to verify my account and identity as well. At this point I explained to her about no contact by anyone at PNC. Long story short, Ive broken the situation down top to bottom and guess what happened with that situation? Nothing! While speaking with XXXX I was supposed to get my statements through the mail however, those statement never came in the mail and I kept in contact with XXXX XXXX and told her this a number of times since she said they was being mailed. Not to mention XXXX XXXX was sent a number of correspondences as well to the email she told me to keep in contact with. None of those emails were ever responded to regarding the important information that was needed to move forward with getting this account in dispute status. In closing, I am very aware now since this situation n has happened that banks have a decision and choice not to continue doing business with a person as they see fit. But the problem for me is that Ive done nothing wrong other than allowing myself to be ignored after hearing XXXX XXXX but quite frankly PNC should not have allowed fraud to happen on my account to begin with, especially knowing and monitoring my day-to-day activities. XXXX and I left off getting those fraud charges off my account and haven't heard from the account and then getting my account back as well. XXXX to have seen that I was not properly contacted about what was going on and I am sure the calls are recorded to be reviewed to see exactly where things were going. I look forward to hearing from PNC office of the president or the executive office whichever comes first. I will also be contacting the XXXX XXXX XXXX XXXX XXXX XXXX and also contacting CFPB ( Consumer Financial Protection Bureau ) so that this no longer gets left not being resolved as it has been long enough of a wait. I really just want this to be handled now! I look forward to hearing from someone regarding this matter sooner than later, as it has gone nowhere fast and way to long and just dont want this lingering anymore! Signed a concerned customer with PNC, XXXX XXXX XX/XX/XXXX
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Joint PNC High Yield Savings account ( currently advertising 4 % APY ) on XX/XX/2022. Upon account opening, I tried to fund the High Yield Savings account via ACH from my third-party ( personal ) checking account. However, the PNC account appears to limit deposit amounts if greater than {$10000.00} in any one month. I had planned on depositing greater than {$150000.00} into the savings account, but was not able to do so. I called customer service on XX/XX/2022 to discuss this issue, and was told that they had received similar complaints, in that large deposits were not allowed. The customer service rep let me know that their back-office department may choose to raise the deposit threshold on a case-by-case basis. The rep stated that as a work-around, the account could be funded by wire, but that would result in potential wire fees. As of XX/XX/2022, I have not funded the savings account, and may not due to this limitation. This appears to be a UDAAP violation, as this monthly deposit limitation does not appear to be disclosed in any account opening agreements or other disclosures, or listed within any footnotes or other areas of the entities ' website or certain other areas. Overall, it appears that PNC is currently advertising a high yield savings ( significantly higher than other large firms ), in order to increase their customer base and " upsell '' to other products/services after the high yield savings account is opened.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I wrote a check ( # XXXX ) to XXXX XXXX from my PNC account in the amount of {$1600.00}. On XX/XX/XXXX, XXXX deposited my check, along with a XXXX XXXX Bank check from another customer for {$600.00}. PNC put both of these transactions through my account, duplicating my check. So they put Check # XXXX for {$1600.00} through two times- one transaction in the amount of {$1600.00}, another for {$600.00}. The {$600.00} overdrew my account. PNC reversed the duplicate account, refunding my account the {$1600.00}. PNC charged XXXX, XXXX a bad check fee. This fee will be passed on to me. PNC did not reverse the {$600.00} fee. On XX/XX/XXXX, I called PNC to resolve this. I was told there was nothing I could do to recover the bad check fee and that they could not put my check # XXXX through again and I would need to write a new one. They told me my only course of action would be to dispute the {$600.00} check, which I did. On XX/XX/XXXX, I saw that PNC was debiting {$1000.00} from my account. They told me that there was no way they could do this. I immediately called them. Their automated service put me through to the loan department. I explained I needed to speak to someone about my checking account and I was sent to the beginning of the automated service, which then hung up on me. I used the web chat. The customer service representative told me there was nothing they could do to help me, and I had to call XXXX Services at XXXX. This number was a phishing number, and offered me a {$100.00} XXXXXXXX XXXX XXXX. I did push a few buttons before I was asked for my personal information, and realized that it was not just a weird survey from PNC. I called the number twice ( PNC told me to call it, I assumed I misdialed the first time. I did not. ), and the second time it just offered me a " Corporate gift card. '' I explained this to the web chatter and they gave me a new number to call : XXXX. I don't know if this was truly a mistake or just a prank played on an angry customer, but I will not know for a long time if those buttons I pushed when I first called that number authorized some kind of charge on my phone bill, and I am fortunate that I did not provide my banking information. Sending customers to call a phishing number is absolutely horrible and dangerous. When I finally reached someone at XXXX XXXX, they told me that they were taking out {$1000.00} to " make my check whole. '' Yes, I had asked them to do this with my initial call on XX/XX/XXXX and I was told in no uncertain terms that they could not do that and my only recourse was to dispute the {$600.00} and write a new check to the company. I did not authorize PNC to remove {$1000.00} from my account. I did not authorize PNC to remove {$600.00} from my account. I did write a check in the amount of {$1600.00} and that check was canceled by PNC, and PNC told me to write a new check. Again, PNC told me that there was nothing I could do about this and that they would escalate it for me. They did say that they would request that the bad check fee they charged would be reversed, but they couldn't promise anything. I don't even know how to resolve this now. PNC is making unauthorized transactions on my account and they need to admit they screwed up and fix it.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I was solicited by my bank over and over for a XXXX loan for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only qualified per my taxes and letters the representative ( over the phone ) told me to send in based on all income I received. I was reluctant but the reason assured me if I used the loan for the approved reasons it would be forgiven. I took the loan which was about {$5500.00}. I kept calling about XXXX forgiveness paperwork as the window was closing for forgiveness. PNC never sent anything BUT did call me back a few days before the forgiveness period deadline was supposed to end and sent a link and told me to apply online for forgiveness. I accessed the portal to find I had no access to providing information for forgiveness. PNC had already set the site up where applying for forgiveness was not an option. I called the representative back to discuss and find out what happened. He said they made a mistake and I would have to complete the link and pay the loan back. I went into a PNC branch to dispute they were no help. I asked for information of the person over XXXX loans for PNC they would not provide that information. My taxes clearly show my XXXX XXXX on my taxes which is how PNC determined the amount of my loan. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX PNC misrepresented this loan. They did not know what they were doing. They should not have solicited, qualified me and granted me a XXXX IF I didnt qualify. I would not have taken this loan IF I was going to have to pay it back. To make matters worse, they have been auto debiting my business account for over a year now. This is bad business practices and they should be reported to professional regulations. I did nothing wrong here but I am being punished. This has created an even further financial hardship during these difficult pandemic times. There were several different loan reps from PNC when they were constantly emailing and calling me to offer me the XXXX loan. Its obvious this was something new and the representatives were not properly trained or understood the programs and were only operating from the standpoint of the bank benefiting from these governmental programs.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was contacted by someone representing that they were thru my energy company and read to me the address where I live stating that my service was going to be terminated due to non declined payment..i had just had my card shut off because last week my account had been charged for a n app service two times and it was a service I have never heard of the amounts are {$550.00}, {$990.00}, {$270.00} I contacted the bank and asked them if these could be stopped they said no since it was done thru XXXX it was considered to be like handing the money straight over
Company Response:
State: IN
Zip: 47331
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 a check that I wrote to my HOA for {$25.00} was altered by the management company or some else, ( I say that because nobody at the management company will speak to me ) and it was changed to {$9000.00}. Once I saw that I immediately contacted PNC Bank and went to the branch where I signed the Fraud Affidavit and was told to stand by, they will be in touch. Not one time has PNC Bank reached out to me with resolution. I have been calling them regularly and all they keep saying is they are investigating and they have 120 days to reply. What makes this even worse is approximately XXXX weeks after the Fraud an investigator from XXXX XXXX XXXX called me and said the check was deposited there and they flagged it as they knew it was Fraud and they never released the funds to that persons account. As recently as yesterday, XX/XX/2022 I spoke to the branch manager at PNC and no status change. Not XXXX person has stated that I am covered and I will get my money back. I need help bad!! I did nothing wrong and PNC Bank and XXXX XXXX XXXX are punishing me.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Other service problem
Subissue:
Consumer Complaint: Hello XXXX Bank XXXX XXXX and XXXX pay me a Check of XXXX XXXX under supervision of Inspector General of United States XXXX Police ( XXXX ) Office of Inspector General United States XXXX Police XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DC XXXX HOTLINE : Toll Free ( XXXX ) XXXX Email : XXXX But this is outside its jurisdiction and recommended me here.so please contact Chief Coordinator XXXX XXXX XXXX # : XXXX ( XXXX ) XXXX, email : XXXX XXXX XXXX XXXXXXXX XXXXXXXX of XXXX XXXX XXXX Tel # : XXXX ( XXXX ) XXXX and XXXXCcustomerservice XXXX ; it has demanded me more XXXX but I run out of money I paid off XXXX processing fee and they said check will be linked with my account XXXX to XXXX XXXX. As all charged no fee for deposit a check. So help to resolve this matter to tell them to pay me ASAP
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was recently transferred from XXXX XXXX to PNC Bank. My property is in a flood zone and requires flood insurance as outlined in my mortgage agreement. PNC Bank failed to send the renewal fee for my insurance, causing the cancellation of the policy. The fee was due XX/XX/XXXX and the check from PNC Bank was received by the insurance agency on XX/XX/XXXX. PNC Bank never reached out to me to alert me of the insurance cancellation or let me know I was no longer covered, instead they put their own policy in place without my consent, which is double the cost of my previous policy and sent me a letter with this information on XX/XX/XXXX. They also increased my XXXX escrow payments to cover this increased flood insurance cost that I never approved. My insurance agency reached out to me to let me know what had happened and created a new policy for me that started XX/XX/XXXX. I called PNC Bank to let them know that XXXX. They defaulted on the agreed terms of my mortgage agreement XXXX. They attempted to defraud me by intentionally allowing my preferred policy to lapse and then requiring me to adopt their in house policy that was double the cost and XXXX. Never contacting me to admit their failure or obtain my consent to change the agreement. The bank refuses to take any responsibility and also refuses to remove the charges I incurred between the first policy being cancelled and the policy being reinstated ( XX/XX/XXXX to XX/XX/XXXX ), even though they never contact me by phone or mail to address the problem they caused.
Company Response:
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was contacted by PNC via a letter. I was notified that I needed to sign a new signature card as my spouse had passed away over three years ago and the joint account needed to be modified. PNC requested I come into the branch and bring the death certificate and sign a new signature card. The letter warned that I needed to rectify the matter else the FDIC couldn't adequately insure the account. I scheduled an appointment with PNC on three ( 3 ) different occasions. With each appointment, the PNC Banker, was not present as scheduled. On at least two ( 2 ) occasions the PNC Banker was XXXX XXXX XXXX ( " XXXX XXXX '' ). She argued that with one appointment, there was a misunderstanding as to the day. I don't have any mental impairments and wrote down the date of the appointment as it was scheduled. On the last appointment, I went on XX/XX/2022, at XXXX and was told again, she was not present. In fact, no banker was present. The teller present contacted XXXX XXXX and she asked that I wait another hour until she could arrive. I was not told why she was even late. There was no weather issue on the date of my appointmt. Additionally, the teller was not even aware that I was even coming in for an appointment with XXXX XXXX. Later, XXXX XXXX told me that she was late because " life happens ''. I am an older woman who does not drive. With each trip to the bank, I had to take time out of my busy schedule and contact someone to take me to the bank over an issue that should not prevent me from losing my account or insurability of my account. With my numerous trips to the bank, XXXX XXXX should have proposed another way to resolve this matter, be it me proving the needed information to another individual at the bank and then sending me the signature page to sign or requesting I send in the documentation needed. I was not happy that in my conversation with XXXX XXXX, she lied that there was a misunderstanding on the date of one of our initial appointments. She simply was not present at the bank on the date of the scheduled appointments. She also lied after the most recent appointment and said she told the teller that I could leave the necessary death certificate with the teller. The teller never communicated that to me or my daughter who I called for assistance once I learned once again that XXXX XXXX was not present. PNC needs to ensure there is adequate staffing to resolve issues. Also, PNC needs to have employees that are solution oriented. I have banked with PNC for well over 40 + years. It was already hard to lose my spouse of well over 40 years but to have to continue to go to the bank and not be able to remove his name from our account ( which should be a minor inconvenience ) only adds to the stress of his loss. I need the PNC located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to do better in serving its customers.
Company Response:
State: IN
Zip: 46226
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank is attempting to charge me a prorated escrow shortage fee equal to nearly a third of my total annual escrow disbursements. They are adding a monthly payment of {$340.00} in addition to my escrow payment of {$1100.00}. This is in violation of RESPA and CFR 1024.17c. They are only allowed to cushion my escrow account by a factor of 1/6 my total annual escrow disbursement which is {$13000.00}. 1/6 of my disbursements is equal to {$2200.00} annually. They are attempting to charge me an additional {$4100.00} annually ( XXXX XXXX mos ). They sent this information in an escrow account disclosure dates XX/XX/XXXX, in regards to my new payment schedule starting XX/XX/XXXX. I spoke with 2 representative, one of whom assured me that the information was wrong, only to be sent a new disclosure statement dated XX/XX/XXXX with the prorated monthly fee on {$30.00} less.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A