Date Received: 2022-11-22
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I purchased a product from a website. This website had a phone number and address. A representative called me and offered me a 15 % discount if I paid by XXXX which is a service offered by PNC bank. After payment was made, I received a shipping update and then nothing. The business phone number has since been disconnected. The amount of money lost is {$330.00}. I contacted XXXX directly and THEY stated that I had to contact PNC for a claim. On XX/XX/XXXX, I contacted PNC by phone and opened up a claim. I was told that the {$330.00} would be returned and a investigation would be opened. I offered copies of my documentation but they declined stating, " we wont need it ''. On XX/XX/XXXX, I received a letter from PNC stating that my claim was denied because the purchase was valid? I am pursuing the original company but PNC needs to offer a certain level of protection to it's customers. Scammers use XXXX because they can get away with ripping people off.
Company Response:
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I had an account with Simple bank account that I chose to have and open. That company and all accounts were sold to BBVA. An account was opened at PNC when that was sold. I never authorized a PNC account to be opened on my behalf or to open one. I am appalled that a bank has permission to open an account on behalf of a customer WITH FEES. Transferring an account with no fees associated at one bank when sold to another should remain the exact same. I just logged into the account to find out that there has been a monthly fee ( for what I have no idea ) and a paper statement fee every single month. I did not authorize this account, especially one with any sort of fee- or fees- associated with the account. The schedule of fees is below- a total of {$76.00} has been stolen from me from PNC since XX/XX/XXXX. When I called immediately upon creating a login to see these charges, their answer was that a welcome packet was sent to me when the bank sold my account to PNC. I explained that I never received any sort of packet. They had an old address attached to my banking profile, while my single account had a different one attached to it. I have no idea where such a packet was sent, but the bank seems to think that that welcome packet authorizes them to take my money. I did not receive such a packet welcoming me. Nor would I understand how a welcome packet explains their use of my account at their will. Fees have changed from {$2.00} per month to an additional {$7.00} to now {$10.00} according to my research into the account use by PNC. I have used the account for five total transactions over the past 12 months, two of the five transactions were deposits automatically made. The remainder of the account use is from PNC, a total of XXXX transactions unauthorized. I did request a debit card by phone when realizing that BBVA had sold to PNC. What I did not authorize, nor was ever disclosed to me, was that this bank account has fees associated with it. When I requested my debit card no one disclosed to me any sort of fees, nor was it disclosed in the banking transfer details. I have an email stating that BBVA was selling to PNC but that is it- it does not say that I would be charged up to {$10.00} per month as a result of that sale and their action of creating a PNC account for me. I request that PNC immediately deposit my money back to me in total of {$76.00}. I would request interest rate of 7 % to account for inflation and money lost to due that interest rate. However, I will settle for a simple resolution of that money being placed immediately back into my account and if they would like me as a customer to guarantee no fees on my account. If not, I request that the account be closed as I do not authorize nor ever would authorize a bank to charge me for the privilege of being a customer with them using my account more than I do, taking my money for that privilege of their being able to dip into it and take whatever they feel is needed. Fees taken from me : XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$3.00} {$76.00} Sincerely,
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My XXXX BVVA credit accounts were acquired by PNC Bank XXXX XXXX yrs ago. PNC raised my account credit limits by several XXXX initially. It reduced the card with the lesser limit, about a yr ago. I'm writing about my avccount ending in XXXX. Until 2 days ago it had a limit of {$18000.00}. PNC 's computer systems are poor and caused several problems that required multiple very long and involved calls to resolve. Once most of the system glitches were corrected I began to use that card for bill payment. One of the glitches that never gets fixed is the sites inability to recognize my id and password, for more than 2 sign ons. This makes it unavailable, for quick reliable use On XX/XX/XXXX, i received a text questioning 2 new purchases, on my cred account. The message said I should call PNC. I called PNC and told them that the larger one for XXXX was correct. But the {$1.00} for a charity was incorrect. I asked the representative how to best go through securing the account and avoiding changing the autopayments. Either their rep didn't understand me or i her, but there was quite a lot of contridiction between what she said and what she needed to read, when it came to disclosures. She tried to transfer me to the security section, but the call was dropped. On XX/XX/XXXX, I received notice that my credit line was dropped from {$18000.00} to {$6500.00}, the current amount of my outstanding balance. PNC 's action generated a lot of credit warnings, since my usage went from 30 % to 90 %, in one day. I will be reducing the balance to reduce the abrupt reduction in the line and increase in XXXX % I'm very concerned that PNC 's unilateral action w/o notioce may reduce my credit score and increase the cost of credit to me I could have called PNC and asked them to raise the limit to where it was, directly. But, too many of my prior experiences ended so badly, I didn't want to waste my time. Instead, i thought it better to place a note of this event, on your records, I'm requesting that someone in your office investigate why my line was reduced and help me avoid any harm done to my credit due to PNC 's action Kindly confirm your receipt of this note and request Thank you
Company Response:
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XXXX XX/XX/XXXX, PNC sent Thank You note to my home address for opening three accounts ending in XXXX, XXXX, and XXXX. I did not open these accounts. So, I called PNC at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to alert them to minimally a customer care issue assuming these are legitimate accounts, or potential fraud in the event they are not. I followed up with PNC on XX/XX/XXXX at XXXX XXXX XXXX and was directed to XXXX XXXX XXXX XXXX by XXXX. PNC said that they could not legally give me any explanation. They said that if it was in error for a legitimate business event, the account owner would eventually call in and correct. This leaves assurance that no fraud associated with any of the personal SSNs, or business EINs associated with this address unanswered. PNC assured me there was nothing more they could do for me. I asked for address that I could send a certified letter confirming I had alerted PNC to the potential fraud. They were not able or willing to accommodate me on that. So, I am notifying CFPB to the fact that there is potential fraud on three accounts at PNC. Please provide direction if there is more that I should be doing to alert appropriate authorities to minimize losses to myself, members of household, my heirs, or estate as well as everyone who has a financial relationship w PNC.. Kindest Regards, XXXX
Company Response:
State: MO
Zip: 63367
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This was not sent in error ; I am a consumer by law and my information was misused and now I have some false not XXXX XXXX accurate accounts on my credit report. Unauthorized use of my credit report.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I recieved a text from on XX/XX/22 at approximately XXXX XXXX from PNC bank saying my debit card was place on hold.. I called the number provided. Gave SS number, card number, PIN, security code. Then realized i was scammed..
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was called by who I thought was XXXX XXXX and was talked about returning an order I had placed. They told me they were going to help me refund the money and had me download an app called " XXXX ''. Because I thought it was an XXXX XXXX I was speaking to I followed what they said and downloaded the app. Once the app was downloaded they told me to give them the access code I did, and it gave them remote control of my phone, at the time I was unaware of this. Once they had control of my phone they opened my bank app the password was automatically filled in because I had face ID enabled. They were able to transfer {$390.00} without my knowledge in a concise amount of time. Once I realized what had happened I immediately contacted my bank and told them the situation. I feel because of the language barrier they had a hard time understanding me and didn't look into the matter as seriously as they should have. I tried calling them multiple times but each time I felt that the didn't properly understand what i was trying to say.
Company Response:
State: MI
Zip: 48843
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX, I was notified via email by XXXX XXXX XXXX ( aka XXXX ) that the merchant can no longer service the United States market due to unregistered securities as determined by United States Securities and Exchange Commission ( US SEC ). Simply put, they are an unauthorized business operating in the US. This was not disclosed to me during my purchase, hence the dispute. On XX/XX/XXXX, I filed a credit card dispute to PNC Credit Card for a fraudulent transaction that was made on XX/XX/XXXX from the merchant named XXXX XXXX. The amount was {$11000.00} for a XXXX package. XXXX XXXX did not fulfill my purchase which I have paid for and agreed upon. XXXX XXXX XXXX package includes a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ). I decided to file this dispute after failed attempts of multiple requests for a refund from XXXX XXXX XXXX ( aka XXXX ). On XX/XX/XXXX, PNC Credit Card Dispute Department provided my account a credit for the amount of {$11000.00} while they were investigating this dispute. On XX/XX/XXXX, I received a certified letter from PNC with enclosed documents from XXXX XXXX ( aka XXXX ) claiming that it was a valid transaction and they fulfilled the purchase agreement since I received the mining computer. This is a lie. The equipment has been in their possession while hosting it. The merchant did not provide any proof of delivery to show that the said equipment is in my possession. On XX/XX/XXXX, I responded via fax to PNC with letter and documents explaining that merchant did not fulfill our purchase agreement. Please see attached letter. On XX/XX/XXXX, I emailed PNC with an article about XXXX 's fraudulent activities. Please see attached file. On XX/XX/XXXX, PNC re-billed my account for the amount of {$6100.00} without any explanation. I received XXXX letters from PNC a week later basically saying that I still owed the said amount. PNC is claiming that the merchant provided them information supporting this transaction. On XX/XX/XXXX, I talked to XXXX from PNC Credit Card Dispute Department. I explained to XXXX that the merchant 's claim that I have the mining equipment is false. Also, I explained that the XXXX package I paid includes a XXXX XXXX XXXX which I do not have and XXXX hosting fee. PNC is claiming that I only paid for the XXXX hosting fee based on the sales receipt I provided. I contacted XXXX and requested an itemized invoice multiple times but the merchant has not responded. On XXXX XXXX, I sent a letter via email to PNC with documents as a response to their claim that I still owe them {$6100.00} after their investigation. Please see attached file. On XXXX XXXX, I received a letter from PNC saying that they are investigating my dispute of the charge from XXXX XXXX for the amount of {$6100.00}. PNC requested an itemized invoice from the merchant supporting what was purchase. On XX/XX/XXXX, I sent a letter with document via email and fax explaining that I requested an itemized invoice from XXXX with no response. In addition, I explained on the letter that the invoice the merchant have provided in XX/XX/XXXX was not itemized but not according to what I agreed to and what is stated on their website upon purchase. Please see attached files. Please refer to a video below showing the breakdown of one of their packages. https : XXXX On XX/XX/XXXX, I received a letter from PNC saying that based on the findings of their investigation, they are unable to honor my claim. This dispute is valid for a full credit not only because the merchant did not fulfill the transaction ( no equipment and incomplete hosting ), but more so because of fraud. I do not think PNC considered the supporting documents I sent. Please do a thorough investigation on this case with in-depth consideration. Attached are documents for your reference.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: My XXXX XXXX daughter had three accounts with PNC, all of which had my wife as a co-account holder. A scam " artist '' reached out to my daughter via social media and convinced her to deposit fraudulent checks " he '' sent to her via email. He also convinced her to " XXXX '' funds to him in the total amount of approximately {$5200.00}, with the promise she would keep some of the deposit for herself. These deposits and transfers occurred from approximately XXXX through XXXX. My daughter 's accounts have since been closed by PNC, which we understand. The deposited checks were determined to be fraudulent yet PNC allowed the XXXX transactions to occur. It would seem the checks should be determined to be valid before a XXXX transfer can ever occur. Even " regular '' deposits ( Including checks written by me to my wife ) take a business day to be officially deposited. We filed a compaint with PNC Fraud but have not heard about our case. As a result, my wife 's accounts ( separate from my daughter and only in her name ) have holds on them for amounts of XXXX ( now XXXX ), XXXX and XXXX. These amounts have also been increased from the original amounts due to fees put on them by PNC. PNC has held the following amounts from my wife 's accounts : XXXX, XXXX and XXXX. Of importance to note is we were never notfied about any of this. My wife found out after I deposited money in her account ( XXXX ) and a debit was rejected ( XXXX XXXX XXXX ) resulting in us calling PNC. Frankly, this is outrageous conduct by PNC, not only for the lack of notification about held funds, but a total lack of interest in my XXXX XXXX being a victim of fraud, to the point where we have not heard from, or been able to express what occurred directly to a fraud investigator. We were not even told my daughter 's accounts were closed until we called. When we saw her accounts at XXXX balances, we wrongly assumed the fraud was adjudicated and everything was fine. PNC has the responsibility as described above, to ensure all deposits are valid to prevent the fruad from occurring in the first place.
Company Response:
State: MD
Zip: 21158
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I, the consumer and natural person, was denied an account by PNC BANK when I applied for a XXXXbalance account and my documents, including a security instrument, were supposedly destroyed and not returned to me which is required by law. On XX/XX/2022 I made a deposit into the XXXX XXXX XXXX in the outside deposit drawer of PNC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please see attached deposit items ). On XX/XX/2022, PNC assistant branch manager XXXX XXXX called to confirm my request and refused to open my XXXX balance account per the instructions in the deposit envelope. I, then requested on the same date that she have the legal department to review my documents and open the account as requested. As of XX/XX/XXXX, XXXX claims they ( the legal department ) rejected the documents ( message via another banker who answered the phone as she was busy ) and she never called me back as requested the week prior with an update, nor has she returned my documents. On XX/XX/2022 I sent a complaint via email and fax. On XX/XX/2022, XXXX XXXX, Vice President PNC Bank, XXXX Client Relations XXXX XXXX, called to enlighten me that PNC does not offer this type of service despite it being on their website. She stated that she did not know what I was talking about. A very unfruitful conversation that ended in me requesting my documents back and her agreeing to do so. Here is the link : https : //www.pnc.comXXXX As of XX/XX/2022, XXXX XXXX XXXX Vice President PNC Bank XXXX XXXX Client Relations XXXX XXXX, called to inform me that the documents were destroyed by XXXX XXXX at the XXXX XXXX XXXX XXXX I am requesting my XXXX-balance account be opened per my instructions along under your treasury measurement services immediately upon receiving this request. I also would appreciate her returning my documentation asap that is identity theft because they scanned these documents and continue using them without my knowledge. All banks have the right to use my information as they see fit since I agreed to be a member of this bank and I would like to be able to benefit from my instruments and data being used without my authorization just like them. I would greatly like to have someone return a response to my request at your earliest convenience. If this transaction is not possible, I need in writing as to why I am not allowed to open this type of account although its blatantly advertised on their website. This is false misrepresentation and identity theft. Thank you XXXX XXXX Governs this transaction as all debts are pre-paid and access to my treasury account is granted by me extending credit to PNC via the instrument they claim was destroyed, but once accepted they must honor it. XXXX XXXX is another law/statute that states once a negotiable instrument is presented it must be honored.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A