Date Received: 2022-10-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: On approximately XX/XX/22 my sons ( joint parent account ) PNC checking account was hacked through his mobile app. We were made aware by an email from PNC stating that a check from a police department in Illinois ( a state that we are not located in ) was deposited for {$4500.00} and was declined as fraud. As soon as the bank opened, we called customer service. In a few short hours, 3 XXXX transfers and 2 XXXX transfers had been made. My son has never used either of these services. The XXXX transfers were each for {$1000.00} and the XXXX {$600.00} ( approx ). The names of the individuals that received and accepted the XXXX transfers are highly uncharacteristic of names of individuals that my son is familiar with. Moneys transferred in and out of the account within that time frame are also not within character of the account historically. His account was frozen, but unbeknownst to us, a bot had been placed on his phone, making his newly issued account susceptible. Customer service placed a fraud alert on all 5 transactions. By that afternoon, we physically met with a pnc branch representative who stated that the fraud alerts were done incorrectly and proceeded to correct them. My son went to XXXX and had his phone erased immediately. Within 10 days, we were notified by PNC that the fraud XXXX cases were denied. I then spent over XXXX hours in one day being bounced between customer service and the fraud department. All 5representatives that I spoke with were not authorized to disclose why the fraud was denied. I went to the local police department and I file a fraud case. I also spoke with another customer service representative and her manager who placed another fraud dispute on the 3 XXXX transactions. Also, included was the police report number. XXXX continues to be in a dispute holding pattern. Again, PNC has denied the dispute as valid and then proceeded to withdraw all money in my sons newly issued account and the rest from my savings account. This now leaves my son penniless at college, 5 hours from home! In all, PNC has now taken over {$3000.00} dollars from our accounts. The majority of these dollars represent my sons graduation money and the few dollars of hard earned pay from XXXX XXXX. Again, I have filed another dispute for these 3 {$1000.00} XXXX fraudulent transfers this time with a representative located at a busier PNC branch. This representative was dumbfounded by the fraud denials stating to me that this is a classic case. At this point, I have now idea where else to turn. PNC refuses to give out contact information ( phone or email ) to their Fraud Department. A lawyer would mostly likely cost me the same amount, if not more, than what we have already lost. But, what infuriates me, is this is my sons college money. This is what he is to use for books, food, travel, etc. This is gifted money and earned money with a specific intention. PNC had not once reached out ( except via mail ) and one phone call that I demanded. Please help me find a positive resolution.
Company Response:
State: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am a victim of fraud. I made XXXX reports. The person got my phone turned off and there were transactions I didnt make. The companies attempted reversed the credit which is not right. How can you tell me what I experienced like youre me? Thats ridiculous. I filed a police report, Dc # XXXX
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: There were many disputes unanswered with My Bank PNC and my job at XXXX .. A portal at XXXX made without my consent a compensation change and payment election were chosen, after that I had nothing but problems I did not even know my routing number changed when BBVA was changed over to PNC XXXX A account by the name of XXXX XXXX with a different routing number was being used. Loan payments sent through my account for private banking XXXX which I never initiated, shares from my credit union at the time were bargained with. Which I was unaware of. My email was hacked as well as my telephone. I went to address these issues numerous times only to be dumb downd by the bank executives.
Company Response:
State: AZ
Zip: 85009
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Around XXXX XXXX XXXX XXXX XXXX XXXX XXXX transmission went out and we applied online through Our bank pnc mobile banking loan application process, when we done this we got a phone call as someone pretended to be a loan officer for pnc bank telling us we were approved XXXX but needed additional information from us to move forward. So we provided our personal details cause it was our only hope and our bank of multiple years. After doing so our online banking was hacked our bills got returned that were posted and cleared multiple weeks and then withdrew out of our accounts and making all our bills past due hit with return check fees and us to be out XXXX plus dollars. Our electric got shut off our vehicles almost repoed her car now has I am XXXX now behind on my truck. Bank claims it our faults when we only used their services, how did the scammer/hacker obtain my information to even know I applied pnc or banked with pnc. Pnc will not help us out will nit refund our money instead they have been rude closed our accounts and now have us in collections, since all this happened it made all my credit cards be backed out by fees and returned payments my credit to drop XXXX points and completely turn our lifes upside down and our money has never been returned. We cant apply or be approved for anything cause our credit is shot our bills are way past due and impossible to catch back up on. We cant provide for our XXXX kids fully as we wish now, we had to get food assistance go to food drives sleep in the dark and sell multiple personal items now from all of this. We keep praying things would change but pnc bank just brushed us off didnt care turned us into collections for the amount back which was technically our hard earned money our bill money and our lifes they just completely destroyed. They are amount make me lose my truck thats leased through XXXX XXXX I need to run my business and provide for my kids.
Company Response:
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I called PNC Bank to close my checking account. I was told the bank would close the account and send me a check for the remining funds in the account ( approx {$1700.00} ). They told me it would take a week to 10 days. More than XXXX weeks later I had not heard back, so on XX/XX/XXXX, I called and spoke with a representative who confirmed that a check was written to me on XX/XX/XXXX and sent on XX/XX/XXXX. We confirmed that it had been sent to the correct address. I confirmed that I had not received it so wanted them to send a new check. The representative said a case would be filed for stop payment, and a case worker would be assigned and then the case worker would call me within XXXX days to have a new check sent. On XX/XX/XXXX, a case worker called, but did not leave any contact information to call back if there were further issues. She said a stop payment would be issued, a new check sent, and she would reach back out to me once that had been done. XXXX days later, On XX/XX/XXXX, I had not heard back, so called the bank 's customer service number. After spending more than XXXX minutes, and having been disconnected multiple times, all I had found out is the first name of the case worker and the fact that a stop payment had been issued on XX/XX/XXXX. I repeatedly tried to get connected to the case worker and repeatedly asked for direct contact information so that, if I got disconnected, I would have someone to call direclty instead of having to go through the customer service phone menu and re-describe my issue. I was repeatedly denied any contact information. As a result, each time I was repeatedly disconnected, I was forced to go through the phone menu and redescribe the information ( at least XXXX different times ). After demanding to speak to a supervisor, I was still only provided with the email of the case worker and a supervisor ( no phone number ). I was told that a message had been left for the case worker to call me back. I was later called by the case worker who told me that a check had been issued " earlier today. '' and was being sent by regular mail and I should receive it in a week to 10 days. At this point, almost XXXX month has passed since I closed my account, and I still do not have my money. XXXX month seems too long to wait for them to give me my money back after I've requested it, and they have definitely made it very difficult to get them to do anything about it. Even if I get the money in the mail, this is unacceptable.
Company Response:
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I called in and spoke to a rep in XXXX. He stated he would close my account after I requested this. I believe I also did a webchat to close my account sometime after this, as it appeared my account was still not closed. The webchat person said they have now successfully closed my account. Just a few days ago, my mother received a notice from PNC showing my account still open. ( I currently live in XXXX XXXX and my mother receives my XXXX mail for me ). I don't want any accounts open with PNC. I previously had a BBVA account with no fees. PNC bought out BBVA bank and they took my BBVA no fee account and defaulted it to a PNC account WITH fees ( utterly disgusting business practice ), so I needed to/still need to close my account. I have twice attempted and twice been assured my accounts would close. So now I need to file a complaint before they try to tack on more unjustifiable fees and I hope other BBVA account holders didn't also have their money stolen from this bank.
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
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: Notified PNC of fraudulent activity on my card credit card on XX/XX/22 just a month after last reporting PNC for poor fraudulent practices. They turned off the credit card as expected and are sending a new one. However, disputed charges still remain AND IN ADDITION, PNC charged me a transfer fee without notice or agreement. I was charged a transfer fee from their card to their card while a victim of fraud. Shame on you PNC.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: When PNC takes BBVA they never care about BBVA customers, they create an Escrow account in my mortgage account when for the last 10 years there is non. They start charging me with out my authorization an Escrow I never asked for, and after paid them the amount they told me I owe the Escrow account stills there when it supposed to be deleted, canceled or disappear, PNC is n'the worst bank customer service I has experienced
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I started a new job and realized now that I received a phishing email from the boss. I paid him for gift cards for clients worth {$500.00} through XXXX the money is still processing and I want it back.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I gave notice and notice is attached. I love you all! Unjust enrichment is not fair nor equitable. Subrogation is a form of equity and subrogation is right to subrogation not an opportunity. Equity is recognize by the u.s. constitution article iii subsection ii paragraph i. I certify my right to subrogation and substitution. Being that I am the subrogee and implied surety that was not primarily liable for the debt but tendered all consideration but not a volunteer and performed under legal compulsion to discharge a debt by subrogee. I the subrogee is now entitled to benefit from all collaterals or liens which the creditor held as security ; and since I am secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. Internal Revenue Service will be notified if this matter is not settled. This is unjust enrichment, and usurpation. A writ of Quo warranto lies against you to prevent malversation and peculation. So, whenever a surety, or other person secondarily liable, discharges a debt, he is entitled to the benefit of all collaterals or liens which the creditor held as security ; and the person secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. Equity regards the payment by the surety, or other person secondarily liable, as equivalent to a purchase of the creditor 's rights, equities and collaterals as against the debtor primarily liable ; ( XXXX ) pays a debt, or discharges an encumbrance or lien, being under legal compulsion so to do, he will in Equity be substituted to all of the creditor 's rights against the person primarily liable. Where a surety discharges the debt or obligation of his principal Where any person, for his own protection, or the protection of some interest he represents, pays a debt for which another is primarily liable. Definitions from XXXX business guides dictionary of banking terms. Collateral. Asset pledged as security to ensure payment or performance of an obligation. In bank lending, it is generally something of value owned by the borrower. If the borrower defaults, the asset pledged may be taken and sold by the lender to fulfill completion of the original contract. Paper negotiable instruments and title documents. Security. Personal asset or property that can be pledged as collateral ; a good faith GUARANTY by a co-maker to pay an obligation if the borrower defaults. ( account was settled ) Equity. Value of stockholders ownership interest in a corporation after all claims have been paid, and thus a claim in its assets in proportion to the number, and class, of shares owned. Substitution. Replacement of one creditor by another, also known as subrogation. Subrogation. Substitution of one creditor for another in settlement of a claim or obligation, or transfer of ownership, as when a mortgage is sold in the secondary market. I gave notice and notice is attached. I love you all! PNC Bank XX/XX/2022 XXXXXXXX XXXX hard copy return receipt tracking XXXX
Company Response:
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A