Date Received: 2023-12-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This is the third different complaint related to the same issue with PNC Bank. First PNC rejected the original and perfectly legal power of attorney presented to them. Then they requested that I use their POA form to accomplish the same task. Now, they rejected that perfectly legal notarized New Jersey PNC POA form stating that the notary didn't properly include the agent 's name ( me ) in the description of what she was notarizing. Perhaps PNC should design their forms to make it clear what they require because on the line that includes the name of the principal there is only room for XXXX name. I don't blame the notary because the form is very poorly designed. In the meantime, PNC has insisted that I use their form, which I did, and now they won't accept it.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Following a fraud situation where I was threatened by a criminal online to deposit money into my credit card account, my bank decided to close my account. I then asked if my IRA and checking account was going to be returned to me, upon his response was, I dont see why not. I was told to call back in two weeks and I could rollover my IRA and transfer my checking to another institution. I called back on the XXXX of XXXX to be given a list by the fraud team that I had to complete to get my money back. The list was comprehensive including proof off outside account legitimacy. However, one of the stipulations was to prove the legitimacy of two checks my father wrote to me from his XXXX XXXXXXXX XXXX. The proof of check and proof of bank bia signature and check guarantee didnt satisfy their list. They also want a medallion signature stamp and ( loi ) or letter of intent. My dad asked his bank about this medallion stamp and he has it on a recorded line that the teller had never heard of that stamp being used in this scenario and thats a service they provide. He then asked the teller to please ask the district manager if he knows of this practice and he responded by saying that sometimes in the case of IRAs or bigger money amounts its used, but not to simply prove the legitimacy of a check. So, XXXX has stated that the signature guarantee and check guarantee are not enough to release the funds. I am going crazy be I worked so hard to build this nest egg and I feel that its my right to have my money returned.
Company Response:
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2023-12-07
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 dont know what happened but my account is being closed I was told I had 3 days to withdraw my money so I went to the bank while I was working and it was a hold on my account I paid my rent from that account and now they made where my rent payment didnt go through now Im being charged fees because they put a hold on my account now when I tried withdrawing the money from the bank like the representative told me over the phone they could withdraw the money because the person who put the hold there have to release the hold I need my fund to pay my rent there talking after three days about sending a cashier check when I deposit he money in my account the day before they supposedly closed my account now I cant get my funds
Company Response:
State: GA
Zip: 30024
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: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have been attempting to address this issue with PNC for over 15 years and feel I am struggling to get through their business practices are unethical. They are also violating Overdraft Protection Act of 2021. I have requested they automatically decline transactions if it puts my account under {$0.00}. I have made numerous attempts to close this account with no solution in sight. Fees are amassing in excess of {$200.00} in past month. I have been charged enormous amount of fees since I started with bank.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have no knowledge of this account, yet PNC Bank refuses to send me proof despite having sent them numerous certified mail letters via notary.
Company Response:
State: AZ
Zip: 85719
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I originally had an issue with PNC Bank not paying all my taxes in full. They only paid Half of the taxes. This is was resolved. My issue now is that due to the fact that my taxes were paid late there were late payment fees attached. When PNC finally corrected this problem they paid the late fees out of my escrow account in the amount of {$250.00}. Their reason for using my escrow account was because I didnt notify them that I had two separate tax accounts. I did not know that the town of XXXX tax department had made my account into two separate bills. I do not feel that I should have this late fee taken out of my escrow account since it was not my fault. PNC bank is now telling me that my mortgage payment will probably go up and that I will be paying more for my monthly mortgage when they figure out what I owe in escrow.
Company Response:
State: CT
Zip: 06405
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: MY NAME IS XXXX XXXX XXXX XXXX, I AM THE XXXX OF THE XXXX XXXX XXXX XXXX XXXX XXXX. I AM MAKING THIS CLAIM BECAUSE ON XX/XX/2023 I MADE A DEPOSIT OF A CHECK FOR THE AMOUNT OF {$20000.00} INTO MY PNC CHECKING ACCOUNT BANK BUT IT HAS BEEN A LONG TIME SINCE THAT DEPOSIT AND THE BANK STILL HAS NOT DELIVERED ME THE FUNDS, I CALLED THEM AND THEY ONLY KNOW HOW TO TELL ME THAT THE ACCOUNT IS UNDER REVIEW, PLEASE DEMAND CLOSE MY CHECKING ACCOUNT AND SEND ME THE FUNDS TO MY MAILING ADDRESS WHICH IS IN MY CHECKING ACCOUNT.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This complaint concerns PNC Bank, based in XXXX, PA. I have a XXXX child and paid his {$130.00} income taxes on his behalf via a check sent to the IRS, payable to the United States Treasury. The IRS drafted the payment out of my account via ACH draft on XX/XX/. This draft clearly appears in my online banking, but because it was an ACH draft, I never received a canceled check image. On XX/XX/ we received a letter from the IRS claiming my son had not paid his taxes. Since I did not have a canceled check, I sent the IRS a copy of my PNC bank statement showing the payment, but they did not accept that as proof, and demanded additional documentation in a letter received XX/XX/. I have been trying since then to get PNC to provide proof of this draft having been taken from my account and sent to the US Government. PNC 's customer service throughout this month-long ordeal has been appalling. I called their Choice Banking service team repeatedly, starting on the day we received the IRS letter. I was assured they would find me a routing number or other documentation of the payment for the IRS, but it was never provided. We were eventually assigned a " Retail Support Case Manager '' named XXXX XXXX This person claims to have called, left voicemails, and mailed me repeatedly, but I have a modern XXXX and there have been XXXX missed calls, XXXX voicemails, and XXXX snail mail received. I find these claims extremely dubious. It's 2023, XXXX don't just " eat '' multiple missed calls and voicemails. I have received two generic " tried to reach you '' emails from her, which I have responded to promptly, and she never replies. I have repeatedly called XXXX 's direct number, and she never answers the phone. The call is then automatically forwarded back to PNC 's general customer service. Each time the agents tell me that XXXX is working that day and they are text-messaging with her, and they transfer me back to her number. She never picks up, and has never returned any of the multiple voicemails I have left. Other agents have told me that PNC has mailed me the requested documentation, which I later found out to be untrue. Eventually I refused to speak to anyone but an escalation team member. I was finally connected with XXXX, a member of the PNC " Executive Client Relations '' team. He confirmed that, contrary to prior claims by the Choice Banking support team, there was no evidence of Proof of Payment having ever been sent to me. The only thing he could see having been mailed to me was a letter from XXXX XXXX having tried to reach me. I informed XXXX that I have XXXX evidence that XXXX has ever tried to reach me by phone as already described. XXXX apologized for this and stated he had sent an internal message to XXXX XXXX about this lack of contact. He then stated he had processed a request to mail us documentation of this payment, since he did not see any evidence of that having been done previously. I asked if it was possible to get this proof electronically as well, both for my records and to allow faster response to the IRS. XXXX stated he would look into that and follow up with me. We ended the call at that time. As I write this complaint, that phone call was 9 days ago. XXXX has never followed up with me, we still have not received any documentation about the ACH draft, and the IRS continues to add penalties and interest to my XXXX son 's taxes they claim were never paid.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: The last several years PNC Bank has charged me thousands of dollars for NSF funds. Recently I discovered year to date of approximately {$750.00} in fees for NSF. On or about XX/XX/XXXX PNC announced no longer charging customers fees when funds are deposited within 24 hours. On or about XXXX XXXX XXXX I spoke w a representative regarding the fees- {$36.00} was refunded and was told, a supervisor would contact me-never received a call back -On or about XX/XX/XXXX reviewed my account was overdrawn by approximately {$17.00}. Deposited via XXXX at XXXX ( prior to deposit no fees were added ) leaving the account positive balance -On or about XX/XX/XXXX account was charged {$36.00} fee I called spoke w representative XXXX-was told computer was down, call back-spoke with XXXX again system down -On or about XXXX spoke with XXXX I was told my checking account was never enrolled in low balance virtual wallet refused to refund feesas per XXXX the system doesnt recognize any deposits after XXXX refused to return funds I have over {$750.00} worth of fees while PNC received BILLIONS of PPP loans from taxes as well as PNC committed fraud/deceptive practices by failing to stop NSF Fees but instead changed the wording to overdraft fees
Company Response:
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2023-12-07
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: So I revived an email from my school email saying I got the job. I did apply for an assistant helper. I was excited since I been unemployed for over a year and been looking for a job so I didnt thought anything of it. He sent me a check for XXXX I deposit and did the XXXX to the person he told me to sent to.Later 2 or 3 days I see the check was return back so I said like why you return the check thats when I figure I got scam so I went right away to my PNC bank. I told them everything I went XX/XX/XXXX. They did the whole dispute was just waiting to hear back I get a call XX/XX/XXXX that they dispute the XXXX but the account is going to stay - {$740.00} and if I dont pay by the end of XXXX they will close my account.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A