Date Received: 2023-12-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: PNC is stubbornly refusing to close my account. It should be illegal to hold open a bank account against a customer 's will. My bank account has XXXX balance, no outstanding transactions, and no recent activity. Hopefully PNC will listen to the CFPB, if not me.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: PNC insists on holding this checking account open, despite my repeated requests to close it. It should be illegal to hold open a customer 's bank account against the customer 's express wishes. This account has a XXXX balance, and no outstanding transactions or recent activity. Keeping a dormant account open makes a consumer vulnerable to identity theft and fraud. I do NOT want phone calls from PNC. Just immediate account closure.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a wire to my new PNC account and they locked me out and froze the account. When I called customer service I was told to report to the branch where they could verify me, my info and unfreeze my funds. I went to 6 different branches before somebody was able to ''help '' me. At each branch I was told that such verification was not possible, I should just call the customer service number since they are the one doing the verification directly with me over the phone. Finally at the 6th branch after many days and drives around the city, 2 employees were able to assist. We called the back office and waited for around 2 hours to be able to speak to someone. That someone had the PNC agent with me to verify and scan my ID which they did, and then we were both told that my funds have been held for further investigation. I asked what was the reason, and did not receive a definite answer. I brought with me all the paperwork for myself and my business, details of the transaction, origin and reason ; they told me it was not necessary. The result is that my account is frozen since XX/XX/XXXX XXXX
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened new checking account PNC bank on or around beginning of XXXX. Everything was good made some larger deposits in form of checks. Fast forward to about XX/XX/XXXX and found out account was frozen ( debit card declined ). No letter no email no nothing simply just frozen. Called many many times and all I got was could be 90 days thats it no chance to prove its all legit nothing. So now they have {$3000.00} approximately and no timeline. I could legit prove each transaction but no one wants to hear. PNC bank
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: I used PNC banks External transfer tool to transfer {$5000.00} to my XXXX XXXX XXXX account on XXXX XX/XX/2023. As on XXXX XX/XX/2023 the transaction shows Completed on PNC portal, however the amount is not credited to my XXXX XXXX XXXX I have double/triple checked the account and routing numbers and they seem to be correct. On contacting XXXX XXXX, I found that they do not accept ACH for CD deposit, thus the amount should have been back in my account when the status on PNC shows Completed for the transaction but that is not the case.
Company Response:
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Our loan was sold to PNC Bank in XXXX. In XXXX we had an escrow overage in excess of {$4000.00}. In XXXX we once again have a year-end escrow balance overage in excess of {$5500.00}. At the time of our closing our county and city taxes were GROSSLY over estimated by out lender. We have owned this home since XX/XX/XXXX and have received our new property taxes calculated after the sale and adjusted for inflation. I was told by the customer service representative that our escrow account was not taking into account our homestead exemption " because we have to renew it annually '' BUT WE DO NOT HAVE TO RENEW OUR HOMESTEAD EXEMPTION ANNUALLY. To make matters worse when we have a {$5500.00} escrow OVERAGE PNC bank has chosen to increase out payments and keep {$2900.00} of our overage because WITHOUT ANY BASIS they believe my property taxes will increase over {$2600.00} next year once again due to the mistake made by the property tax calculation at our closing. EVERY OTHER MORTGAGE LENDER WE HAVE EVER HAD HAS ADJUSTED ESCROW SO IT DOES NOT RESULT IN A MASSIVE EXCESS BALANCE. INSTEAD PNC BANK IS CHOSING TO RAISE MY PAYMENT AND WITHHOLD OUR MONEY TO GIVE THEMSELVES MORE INTEREST-FREE FUNDS. PNC bank will not audit or review this escrow statement and wants me to PAY THEM a fee to close the account because they are GROSSLY overcharging me and withholding MY MONEY. I want either the escrow account payment corrected to a reasonable amount that will not result in a MASSIVE interest-free loan given to PNC bank annually by me and my husband or I want the account closed WITHOUT PENALTY due to their incompetence.
Company Response:
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: 5 years ago I opened a personal account with PNC Bank. I used this account for a solid 2 years and out of the blue PNC closed my accounts and sent me a check in the mail. I called them and they advised they had the right to close my account without a reason. Ever since that happened I have not been able to get approved for a checking account anywhere. I have called many times and they always advise that they don't have to provide me any information relating to the account or to why I am getting denied a account. Over the last two weeks I worked with PNC bank XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and she was helping me to open XXXX business accounts for my company XXXX XXXX XXXX. After a 3 hour meeting with XXXX this week she was able to open the accounts. The next day those accounts were closed by PNC. I then called customer service and they advised me that I would need to see XXXX the bank XXXX to explain what is going on. I now have been emailing XXXX for XXXX days back and forth and she has advised me that I need to transfer all my businesses to my husbands name so he can open an account with them. I asked why and what is going on to make PNC not let me open an account with them via XXXX or XXXX. She is unable to provide any information about the denial. My concerns are did PNC open a extra account in my name to boost numbers and that account was used by a worker and was closed and this is why I cant get accounts with PNC or any other bank? Or is it based on my heritage that I am part XXXX? I just want a clear answer to what is going on to cause all of this. I never had any issues with banks until I had a PNC account. I am worried that PNC has maybe leaked my information or ruined my changes with ever getting a bank account now. I never had any charge off accounts or anything negative. Please advise on what I should do and if I should pursue legal help.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Consumer believes PNC Bank breached the terms of a personal checking account promotion : {$400.00} bonus to be posted within 60-90 days of qualifying activities. Consumer met the qualification criteria on XX/XX/. As of XX/XX/, the {$400.00} signup bonus as not posted. Relief sought : {$400.00}
Company Response:
State: CA
Zip: 92649
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am an XXXX XXXX XXXXXXXX XXXX and have banked with PNC bank for over 25 years. A check was made out to my insurance company XXXX XXXX and mailed out in the amount of {$120.00}. I found out a few months later, after my insurance company saying I never made my payment, that my check was washed and altered to {$920.00} and made out to a XXXX named XXXX and cashed. I then filed a dispute with the bank and they denied the dispute and never mailed me an explanation. I am an XXXX XXXX that lives off of my social security and {$900.00} is a lot of money to let it go. You can clearly see the check was altered and the handwriting is not the same. I would like something done about this and my funds returned to me. Not only am I out the {$920.00} this guy fraudulently cashed, but I also still had to pay that month owed to my health insurance
Company Response:
State: PA
Zip: 19116
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am XXXX and can not read or write as I am severely dyslexic. I lived with my mother who passed away. A man known through my half brother named XXXX XXXX happened to own a business XXXX and suddenly took an interest in helping my garage shop neighborhood means of not much money but enough of repairing anything from lawnmowers to cars for those who know me in my area. He convinced me that I could be given a grant by the government for being XXXX to grow my shop and have a real shop and be able to bring in more customers. He promised to handle everything for me because he cared. He ended up getting a Small business XXXX covid loan in my name and I now know he put me as a caterer. He quickly vanished and I repeatedly called the bank PNC to ask if my money over {$21000.00} had come and why I was never getting a card or statement or anything. They repeatedly told me I received every card and would not answer anything because he changed the answers to questions and address and phone on me. I went there as I got really worried and the woman was very rude and printed me out all of his withdraws under his name and company name leaving the account at nothing fast. She just said someone would call me and walked away. PNC knew I was XXXX and XXXX from the day I opened the account I told them. All of my many concerned calls begging them to freeze my account and not let anyone take money out were ignored. I have now reported him and them to the FTC and SBA for scamming the government and exploiting a elderly XXXX man out of a secure financial future.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A