Date Received: 2022-11-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXXXXXX PNC Bank XXXX XXXX Identity Theft XX/XX/2016 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: TURN OF EVENTS 1. I receive an email from XXXX XXXX ( XXXX ) to XXXX his son XXXX on XX/XX/2022, XXXX XXXX 2. This followed a further conversation on the email as has been provided. He said that he wanted to pay an advance for 12 sessions which would have amounted to {$420.00}, because I charge {$35.00} an hour. 3. On XX/XX/2022 he emailed me that his attorney had sent a cheque to of the value {$1900.00}. He claimed that it was a mistake and the excess amount was meant for his nanny XXXX XXXX. 4. I received the cheque via XXXX on XX/XX/2022. I tried to deposit it online via the PNC mobile app but the transaction did not occur. He said that his son was ill and he required the amount. So I sent out XXXX XXXX transactions to the id XXXX XXXX. One was for {$1500.00} and another was for {$420.00}. I had done this payment completely using my money since the cheque wasnt even deposited at that time. 5. I deposited the Cheque on XX/XX/2022 and it showed on my account that the money was credited. 6. I received a second cheque on XX/XX/2022 via XXXX It got deposited on XX/XX/2022 and it showed on my account that the money was credited. 7. He once again asked me transfer the entire money to him. This time I sent out 2 XXXX payments and one XXXX payment only when it showed that the money was credited to my account. XXXX XXXX payment was to XXXX XXXX for {$500.00} on the id XXXX and the other XXXX payment was to XXXX XXXX for {$420.00} on the id XXXX. 8. The first cheque got rejected on XX/XX/2022. 9. The second cheque got rejected on XX/XX/2022. 10. I received a third XXXX mail on XX/XX/2022. 11. I was contacted via two phone numbers, XXXX and XXXX. THINGS THAT HAVE HAPPENED REGARDING THIS 1. I had filed a dispute for all the XXXX and XXXX transactions. 2. There might be a time discrepancy because transactions are first shown to be pending and then they get posted. 3. PNC Bank has completely frozen all my accounts even though I told them I didnt know that the cheque that I had received were fraudulent. 4.I do not have any money currently because the bank didn't even give me access to my salary for the month of XXXX that was credited to the account days after the issue.
Company Response:
State: PA
Zip: 15213
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I zeroed my checking and savings accounts before I called PNC to close them. Instead of closing the accounts, they changed the product to a different checking and savings account which I can see in my online account. I have contacted PNC twice since the last week, but my accounts are still open to this day.
Company Response:
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: They are closing my pnc account due to unauthorized access to my account
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To Whom It May Concern : I am attaching all the information regarding PNC 's handling of my Flood Insurance. I received a letter from PNC dated XX/XX/2022, stating that they want to charge me for an Anticipated Escrow Disbursement for Flood Insurance starting XXXX. Not only that they are creating this escrow account, but they are increasing the value of my Flood Insurance. ( See the document attached ). However, according to the terms of my Mortgage documents and Deed of Trust, it is my responsibility to pay my tax bill, insurance premiums, and Flood Insurance directly. Furthermore, my flood insurance has already been paid until XXXX. ( See documents attached ). PNC Bank is giving me and my Insurance Agent conflicting reasons on why they are doing this. They stated that their Flood Insurance Department reviewed my loan and re-established the escrow account due to Biggert Waters Act, which is why I am bringing this issue to your attention. I can not afford this increase, and I won't be able to pay twice in one year for Flood Insurance. I have been very responsible for managing my Flood Insurance and desperately need your assistance. I appreciate any help you can provide. Your support is much appreciated.
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX at PNC bank wouldn't underwrite my mortgage because I was on EAD while XXXX XXXX XXXX company took over my loan application and saw my home purchase to completion. Due to Interest rate hikes, my rate went from XXXX to XXXX because of the XXXX up by PNC bank. .
Company Response:
State: CA
Zip: 94706
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/22 I realized my account at PNC bank was in a negative balance. I went to their branch in XXXX XXXX, to inquire what the problem was. There was maybe XXXX XXXX dollars taken out my account from places I never been to. XXXX eats deliveries and rides to places I don't go to. I complain to the bank they gave me credit but soon took the credits back. I went to the XXXX Police office to file a police report ( case number XXXX ). Bank statement along with the police report were submitted to PNC. which denied my complaint and refused to give me my money back. I contacted your office and submitted bank statements to confirm my complaint. It appears someone was able to get the numbers off of my atm card and order food and rides without my permission. There are over 80 fraudulent charges filed and PNC refuses to give me my money back. It has left me with several negative consequences and hardship. My bank statements have been submitted to your office along with the XXXX XXXX. police department report. My complaint # is XXXX with your bureau. I am hoping your office can help to resolve these matters and get me my money back. This is a easy fine XXXX eats pick up someone with address and delivered food to a address that is not mine. Whoever did this should not be able to get away with fraud and theft.
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am complaining about my direct deposit funds being accidently deposited into another customers account and PNC Bank will not return to me. My employer deposited {$220.00} of my bi-weekly paycheck into BBVA Bank via direct deposit. In XXXX PNC Bank bought BBVA Bank and customers were advised that on XX/XX/XXXX, BBVA accounts would be transitioned to PNC accounts. We were assigned new account numbers and routing number. The last account statement I received from BBVA was XX/XX/XXXX and showed I had a {$27000.00} balance. I updated my direct deposit information with my employer. However, during my update, I unknowingly put in an incorrect number. The correct account number was XXXX. I accidently typed in XXXX. I received no bank statements from PNC Bank for XXXX or XX/XX/XXXX. Meanwhile my money was being deposited, I thought. When I received the XX/XX/XXXX statement, I noticed that my bank balance was still {$27000.00}, but should have been {$29000.00} ( {$1500.00} more ). On XX/XX/XXXX, I went to PNC Bank and spoke to XXXX XXXX who stated that there was no evidence of the 7 fund transfers being sent from my employer. I called my employers HR Department and was told that the funds were sent and did not bounce back. I went back to the bank on XX/XX/XXXX, and after his further research, was told by XXXX XXXX that I had left 2 numbers out on my end on my direct deposit form at work and the funds were sent to a non-existent account but were rejected and sent back to my employer. Once again, I called my employer and was told the funds had not been rejected. On XX/XX/XXXX, I went to PNC Bank and spoke to XXXX and she said she had to speak to XXXX tomorrow. XXXX called me on XX/XX/XXXX, and said the bank can not provide proof of anything, such as fund going to wrong account or correct account or bouncing back and that she was escalating my issue to upper management. On XX/XX/XXXX, I received a call from XXXX with PNC Bank and that she was calling on behalf of XXXX XXXX, my case worker and XXXX would be calling me in the next few days. On XX/XX/XXXX, XXXX called me and said they found my funds in another account and will work on getting the funds moved into my account, that it will take a few days and she will call when it is complete. On XX/XX/XXXX, XXXX called and said they were trying to figure out how to transfer the funds back to my account. I spoke to XXXX on XX/XX/XXXX, and she said the same thing as on XX/XX/XXXX. On XX/XX/XXXX, XXXX called and said they can not transfer funds and that my employer will have to recall the funds. From XX/XX/XXXX to XX/XX/XXXX I worked with my employer on how to recall the finds and was eventually told that funds have to be recalled within 5 days of deposit and there was nothing they could do. On XX/XX/XXXX, I filed a report with the XXXX Police Department. On XX/XX/XXXX, XXXX XXXX called me and said they would issue a search warrant and gave me a report number. XXXX XXXX asked me to call PNC Bank, give them the police report number and ask them to escalate. On XX/XX/XXXX, I called PNC Bank Customer Service and spoke to XXXX and gave him the police report number. On XX/XX/XXXX, I called XXXX XXXX for a status. He said a search warrant was issued and they are waiting on a response from PNC Bank and if the bank does not respond there is nothing more they can do. I closed my account with PNC bank on XX/XX/XXXX, as it seemed like I had run out of options. I am now filing this complaint for help in getting my funds returned.
Company Response:
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I recently opened a credit card with PNC. I activated the card and successfully made a couple of purchases. Shortly thereafter, the card started getting declined. I contacted PNC customer service repeatedly to get the issue resolved, but I was not successfully able to get help from their customer service. I waited on hold for over an hour and 15 minutes, finally disconnecting to board a flight. Their unwillingness to assist is both frustrating and inappropriate.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My name is XXXX XXXX. I received a alert from XXXX on XXXX that PNC Bank reported that I'm 30 days past due on my installment loan in the amount of {$48.00} for the month of XXXX. My loan payment is {$750.00}. For the month of XXXX I made my loan payment in the amount of XXXX ( The Majority ) of the actual payment. Once I received the alert I contacted PNC and spoke XXXX and she explained that the payment was 30 days behind in which I told her I understood, but what I explained to her was I've been a customer since 2018 when I acquired this loan, I've never missed a payment, never been 30 days behind with my payments even while we were in a pandemic I might add. I even spoke to a young lady over the phone at PNC when I made my XXXX payment that I was in deed short and I will definitely cover it and whatever fees that will be added will be covered for XXXX and she said that was ok. So my question to XXXX was being that I have been a long standing customer with great pay history you mean to tell me you guys will report me 30 days behind for {$48.00}! When I spoke to someone about it got the ok! and I still get reported which tanked my credit score from a high XXXX to the low XXXX XXXX points. Help me make it make since. XXXX stated that she completely understood my frustration and explained that there was no one there that I could speak with and advised me to file a dispute with the 3 credit agencies and that she would file a complaint on my behalf. I asked XXXX to go over my account with me to make sure I wasn't missing anything. She explained that my XXXX payment is due but isn't 30 days behind but there is a late fee because it's after the due date of XXXX and she informed me that I have 2 additional late fees for the same amount for XXXX & XXXX which I wasn't aware of the XXXX fee but it was fine I had no issue with that because there system and my online banking had two different totals. XXXX payment isn't due until the XXXX but I told her I was going take care of the complete balance on Friday XXXX in the amount of XXXX which would include all the fees for the past due and the remaining {$48.00} for XXXX 's payment, XXXX 's payment as well as XXXX. We ended the call and I went ahead and did what XXXX advised and filed the disputes with the credit agencies. Friday XXXX I get an alert from XXXX that PNC has responded to the dispute which they changed the the balance of {$48.00} that they stated I was 30 days behind on to {$790.00} and that it's XXXX & XXXX I'm 30 days behind which now shows I'm past due for 2 months which is incorrect. Mind you my XXXX payment is not until the XXXX and XXXX is not 30 days past due until the XXXX and we're only in the XXXX day of XXXX. I called XXXX and let her know what has happened she asked if someone has contacted me I told her no she said someone is going to contact me about the initial complaint filed on XXXX and I have yet to speak to anyone from PNC complaints department. I expressed to her that I get companies can pretend to care for there consumers and want the best for them but this is just ridiculous I'm in the process of trying to purchase my home so my credit is very vital at this point! I have never had any issues with any of my creditors except for this company! When they made the switch from BBVA the customer service left with them. How do you go from {$48.00} 30 days past due for XXXX to {$790.00} 30 days past due for XXXX & XXXX two months past due when XXXX isn't even due yet! What's really going on companies can just make up what they want to report! HELP ME MAKE it MAKE SINCE! All XXXX told me was they will be in touch and we ended our call. And yes the full balance was paid as agreed with XXXX for XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A