Date Received: 2022-12-02
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Have been with bank XXXX years Credit card was set to expire at the end of XXXX Called PNC XXXX XX/XX/2022 to inquire - told it was being sent Called PNC on XX/XX/2022 to inquire - told it is being sent on the XXXX Called PNC XXXX XX/XX/2022 to inquire - told it was sent - and not to worry about the end of the month, and it would be automatically extended as they were having problems with their vendor Started getting emails about Credit card not working on XX/XX/2022 from reoccurring charge businesses Called PNC XXXX XX/XX/2022 was told to bad - nothing they can, or will do about it except, send another card, ( 2 to 3 business days ) - at no charge- and again reiterated that it was a problem with THIER vendor XXXX I was asked about other cards- I informed them that their DEBIT card I have with them will not allow me to use it as a credit card.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We never stopped paying PNC Bank After proving PNC wrongfully started foreclosure proceedings in XXXX while our account was paid up to date, PNC Bank retaliated by forcing the entire loan due immediately. They would not let me pay one dime more on the loan it was all or nothing. I have proof that PNC Practices have been abusive, deceptive, and unfair. After filing a complaint with the Consumer Financial Protection Bureau and not getting anywhere had no choice spring XXXX but to file for a modification to stop the foreclosure. Once again, no communication or notice was given but I kept calling to find out we were granted a trial modification at a very high rate we were expected to pay {$2000.00} a month on a $ XXXX HELOC. I made the payment, tried calling to confirm with XXXX XXXX at PNC, no reply, out sick then off work. Found out from another PNC Bank representative over a month later that the payment went to the wrong department! That is why it was returned! Total breach of fiduciary duty, what about due diligence? A simple note in our file, anything, to let someone know the status?? By the time all this was figured out and explained we were not only under foreclosure, but a sheriffs sale was set for XXXX XXXX XXXX No one should live with despair like this! Culpable negligence, PNC misapplied payments, harassed me, charged enormous fees, penalties and continued to debit our account until it was overdrawn. Our home is listed for sheriffs sale on XX/XX/XXXX for $ XXXX? How can they do this to us? Wont anyone help? Ive kept a listing of PNCs unprofessional behavior over the years and what I have had to endurePNC is a glorified loan shark taking advantage of less fortunate. The HELOC in question was a high interest predatory loan solicited by a bank representative, XXXX XXXX. This same bank representative granted my husband a $ XXXX second mortgage loan 14 months prior to discussion of the HELOC ( the terms of the loan had him paying interest of 50 % of the loan principle ). My husband could not make the $ XXXX second mortgage on time but that same bank rep granted a $ XXXX additional HELOC? My husband overdrew his PNC checking account 15 x the three months preceding the HELOC approval date and with the $ XXXX loan we already had no equity left in our home! Since this loan was taken out I've had XXXX children, XXXX twice and it looks like a possible third and final time... I'm trying to be responsible and pay what is due... they took advantage and have made my life a living XXXX. Everyone in the neighborhood knows, my kids friends say things to them. ( My daughter is in XXXX XXXX/my son in XXXX XXXX ) ... they are both XXXX XXXX.. PLEASE HELP US! Can anyone help?
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the XXXX XXXX XXXX informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. When I contacted PNC and XXXXXXXX XXXX both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, PNC approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial institution are declined ).
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I wrote a check, check number XXXX to be exact, from my PNC Bank Account on XX/XX/XXXX for {$15000.00} to the XXXX XXXX XXXX XXXX to pay taxes owed to the IRS. The check cleared PNC Bank on XX/XX/XXXX, but the IRS says that they can not find the money in their accounts. They first asked for a copy of the check written, both front and back, and then they also asked for my XX/XX/XXXX Bank Statement, which clearly shows the check clearing my account on XX/XX/XXXX. I have sent them copies of the check and my statement on two different occasions. I have also spoken on the phone to IRS agents on 2 separate occasions, and they said that they can not trace the check from the series of numbers that are on the back of the check. The last agent I talked with told me to have my local bank give me proof of where the funds went to by doing a tracing, and that once I have the tracing, to call back to the IRS and fax them the proof. I have asked my local PNC branch XXXX, XXXX, two different times, at the beginning and also the middle of XXXX, to do a tracing on my check, # XXXX, to the IRS, as per their request. He called down to ask them to do the tracing and they said they would mail it out to me, but I have never received anything. When I called and talked to the XXXX on XX/XX/XXXX, he said he would look into it and get back to me the same day, but never did, and one week later, he still has not called back. He seemed reluctant to do anything more to get the tracing done for me and was not even sure if PNC could even do a tracing on the check. All I am asking is to get proof of where the {$15000.00} from the check I wrote exactly went to, in order to prove that the IRS received the funds. Please help me because I only have 10 more days to respond to the IRS letter, and in the mean time penalties and interest are accumulating on the original {$15000.00}. Thank you for your help, XXXX XXXX
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have filed XXXX XXXX for XXXX XXXX and paying on the plain. my mortgage is not included in the XXXX XXXX payment plan I pay that regular. I called XXXX credit agency directly at XXXX and was told that they do not have to report the mortgage to the credit agency. I am pretty sure this is not correct as this is a FDIC insurance back securitized bank. And they are to report all mortgage history accurately what ever the status. I did not file XXXX XXXX but XXXX, PNC Bank is stating that they can not report until they reaffirm the mortgage. To reaffirm the mortgage means the mortgage is part of the filing of XXXX XXXX. If that is the case then fraud can occur if mortgages are not reported that makes no sense. I am asking for an investigation to be conducted not this. My car loans that were not part of the XXXX XXXX reported the payments and that I paid them off. So if that was the case why would they report. So something is not right. I really believe this can be a problem and why mortgage fraud is occurring because if the banks are not reporting it then how would another lending institution know? I can be reached on my cell XXXX or email XXXX Respectfully and thank you! XXXX XXXX
Company Response:
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: i opened an account through the XXXX XXXX XXXXXXXX, managed by PNC Bank on or about XX/XX/2022. On XX/XX/2022, i wrote myself a check for {$8.00} from my personal checking ( XXXX XXXX XXXX to " test '' out the App. The funds were deposited in my XXXX account and withdrawn from my XXXX account. On XX/XX/2022, the check was allegedly " returned '' according to the information available in the XXXX XXXX. However, this check was not returned and was successfully cashed against my XXXX account. On XX/XX/2022 I contacted XXXX through their messaging service in the App advising them of this mistake and requesting an explanation for this error. Thier reply was that the " check was never deposited, and was returned '' and that i should " work with the issuing bank. '' I rebuffed their response and was subsequently ignored. On XX/XX/2022, I contacted XXXX and verified that the check was successfully cashed by XXXXPNC and obtained a copy from my account records. I also verified that the funds were never returned to XXXX by XXXX/PNC and that the funds in my XXXX account were more than sufficient to cover the {$8.00} check at the time of issue. That same day i called XXXX and detailed the facts above. The first representative was unable to assist and simply repeated that i should work with issuing bank. I asked to be escalated to a manager, who again repeated the same position, despite my insistence that i had contacted the issuing bank and confirmed XXXX was the one at fault. He advised that the matter would be escalated and i would get a response soon. Several days later i did get a reply, it was the same reply that i had received during every encounter with XXXX, that the check was returned and i should work with issuing bank. Since then i have exchanged several emails with XXXX, providing them with a copy of the cashed check, and my XXXX & XXXX XXXX statements reflecting the withdrawal of the funds and absence of any return. To date, the matter is still unresolved.
Company Response:
State: TX
Zip: 77091
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC bank sent me a letter stating to send them my mortgage payment they bought my loan. XXXX Called PNC XX/XX/22 2 times requested a mortgage statement with balance escrow etc and proof of the debt I owe them. They refused said I have to pay them XXXX before they provide me with anything that the letter was it. I already made XXXX & XXXX payments to XXXX XXXX.PNC has this loan account added to my online banking and I do not do anything online with them. If they dont have proof documentation I owe them the debt of the transactions I owe them for me and a statement of the loan prior to any payment being made to them I am disputing the debt and loan and want it removed from my account and all records I do not feel I should pay a debt that they cant provide me documents proving I owe them prior to making a payment and expect me to ignore the fact they donot provide the consumer with the proof of debt or a statement to make a payment and a debt to my account without providing me anything
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I want to add additional information to my previous complaint regarding PNC bank. I read about a customer sue in pnc bank for taking money out of my checking account without my permission during a bankruptcy I had to file due to theft and fraud. During this time my checking account was supposed to be closed. I called the bank 3 times requesting this account be closed. Instead of closing my checking account pnc bank deliberately kept the account open because they knew I was going to receive my 2nd stimulus payment by direct deposit from the irs. Pnc bank then took half of my money without permission and applied to a loan and a credit card that they issued a year previous. Knowing full well I could not pay back because all my money in stock was stolen and loans were taken out in my name. Due to my identity was sold in the XXXX XXXX then posted on XXXX in a different language using my personal information. I wrote letters to pnc bank with state police report explaining that XXXX.with recipes showing I had no money left. Because it happened in XXXX I would not get any of my money back that Was stolen from me. Pnc bank did not care and said I was lie in and did not believe me. So they took my money out of my checking account to pay the loan and the credit card balance without my permission.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I've filed a complaint with XXXX XXXX at PNC ( Complaint Id XXXX ) and no one ever respond. I received an email on XX/XX/XXXX ( see attachment 1 ), said I could receive {$15.00} e-gift card after make two bill payments. I've already made 5 bill payments ( see attachment 2 ), but didn't receive any gift card. I contacted customer twice. First time, the agent asked me to wait ( see attachment 3 ). Then I waited for another month. The second time I contacted customer service, I was told that this promotion was from last year, and any bill payment after XX/XX/XXXX does not qualify ( see attachment 4 ). This is ridicilous since I don't even have my account open at that time. How could I receive the promotion email? Please investigate this issue and issue the {$15.00} e-gift card for me. Thank you.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: After seeing 3 different branch managers and an uncountable amount of phone calls with corporate for over a year, for simply wanting to cancel wire services since XXXX of 2021, getting charged monthly fees for a service I requested to cancel, getting charged for stop payments on multiple occasions for transactions I did not authorize and still getting rejected, after so many bank visits, emails, additional monthly fees for XXXX knows what that no branch manager or account specialist or customer service rep could even explain to me what these fees are for, let alone follow up or do anything about it - I finally was able to close my two business banking accounts with PNC today. I feel humiliated and cheated out, since all these fees and unauthorized charges totaled over a couple of XXXX dollars. Each time I came last to visit PNC bank branches in XXXX XXXX XXXX XXXX XXXX branch managed by a XXXX branch XXXX named XXXX, XXXX XXXX branch managed by a careless branch manager named XXXX XXXX XXXX and a downtown branch formerly managed by XXXX ) I felt XXXX small and unimportant. They've all seemed " so helpful but busy '', telling me to send them an email, never following up, never calling back, never doing anything about it. When I call corporate they start telling me that I did request a cancelation for my wire services back in XXXX of 2021, but the branch manager never gave me another paper to sign to confirm it? Why is it so intentionally convoluted? And when I ask the branch managers about it they look at me as if I just landed from XXXX. They even put a new " work order '' for the wire services cancelation a month ago and never followed up with me about it. I have email communications proving all of this, bank statements and if needed deeply enough you could look into camera footage and see the amount of hours I spent in frustration at these branches, to no avail. This bank is run by XXXX, and even if I don't get anything back I want people to know about this running XXXX of a crime organization, claiming to be a bank. I'm just beyond tired of all this. If needed more evidence, I'm more than willing to dig through and gather any information about what I said here, I'm just so exhausted from dealing with such nonsense while on top of that trying to run a business, let alone have a life.
Company Response:
State: PA
Zip: 16801
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A