Date Received: 2022-09-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: PNC Bank poor accounting of available funds and shift monies from accounts after Ive made transfers to balance out my accounts. PNC is intentional triggering fees ( overdraft protection ) by changing my account balances and causing payments from my accounts to delayed or held and creating negative balances and adding more fees. On XX/XX/XXXX, I unexpectedly had a XXXX balance in my checking account, with pending business payments expected to withdraw. Reviewing there were expenses not posted and funds returned to checking account as available after the standard 72 hrs. I transferred money from my XXXX account to cover automatic payment withdrawals, expected after XX/XX/XXXX. The morning of XXXX, I receive email notifications, I have a XXXX balance in checking because they applied an overdraft fee. The funds I transferred to balance out the checking account, was returned back into the XXXX accounts. I didnt do this nor authorized the bank to make this change or any changes. I had a XXXX XXXX in my checking account, an overdraft protection fee and still had payments pending. I reached out to PNC several times prior for other balance inconsistencies and errors in applying fees and not correctly investing an overpayment to a vendor. I spoke with PNC rep and to keep a HAND WRITTEN LEDGER to also manage my transactions. Though an archaic suggestion in a real-time digital world and economy, it still wouldnt remedy the changing balances in/out of the accounts. Especially, those the bank decided not to keep in the right accounts. I was transferred to XXXX XXXX, Executive Client Relations. But we never spoke, even after request via email, she schedule a time to meet. In the last 6 months, PNC Bank has caused me significant distress, loss of business and loss of money with long term negative impacts to merchant/client relationships. PNC Bank record keeping & report accurate balances in real time is horrible and even dangerous and distrustful. Ive had to request several fees be removed because of their poor accounting. Please help.
Company Response:
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a PNC Bank credit card opened in XXXX, XXXX closed in XXXX XXXX. I believe the amount originally charged off has been reporting inaccurately, therefore I am requesting a copy of all the statements from XX/XX/XXXX through XXXX, XXXX. Further, XXXX has not been reporting the date this account was charged off and the date of last activity of this account.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was the victim of a scam for purchasing a piece of heavy machinery. I wired {$27000.00} from my bank account at XXXX XXXX to an account at PNC Bank. I talked to an agent at PNC Bank and they said they couldnt do anything about it.
Company Response:
State: MT
Zip: 59718
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My PNC debit card was subject to unauthorized use leading to fraudulent purchases and withdrawals totaling {$2300.00}. ***************************************************************************************************** The physical debit card was with me during all the time when the fraudulent charges happen. The only digital device with the card linked to it was with me the whole time as well ( my XXXX 's XXXX XXXX ). ***************************************************************************************************** The first fraudulent use was a {$100.00} ATM withdrawal posted on XX/XX/XXXX. However, I was unaware of all the fraudulent purchases and ATM withdrawals until a phone call from XXXX ( PNC Bank 's lost card and prevention center ) at XXXX XXXX in the evening of XX/XX/XXXX. Upon notice by the phone call, I immediately contacted the PNC personnel on the other end of the phone call to freeze the debit card ending in # XXXX, but by then all the fraudulent purchases/withdrawals are already posted or pending ( can not be undone ). The fraudulent dispute center was already closed by then ( closing at XXXX XXXX ). ***************************************************************************************************** In the morning of XX/XX/XXXX, I called the PNC PNC Bank Customer Service ( XXXX ) to file disputes for all fraudulent uses already posted by end of XX/XX/XXXX. The personnel connected through phone helped me file 3 separate claims, gave me a {$100.00} provisional credit, and a final refund {$15.00} ( for two small-dollar amount fraudulent use ). Immediately after, I went to the PNC branch in XXXX, CA and met with XXXX XXXX XXXX XXXX XXXX, who confirmed that I need to wait for the pending transactions to be posted before filing dispute ( transactions that eventually posted by end of day on XX/XX/XXXX ). After going to the PNC branch, around XX/XX/XXXX XXXX XXXX XXXX I went to the XXXX XXXX XXXX XXXX ( in XXXX XXXX, CA ) to file a fraud report. Initially I was advised by XXXX to file a report at XXXX 's police deport instead because the first crime ( a {$100.00} ATM withdrawal ) happened at XXXX, CA. However, XXXX XXXX argued that since I lived in XXXX XXXX, XXXX should file the report and ask them for evidence ( e.g. video tapes ) if needed. Hence I met with officer XXXX XXXX ( badge # XXXX ) to open a case ( XXXX ) for these fraudulent charges. ***************************************************************************************************** In the morning of XX/XX/XXXX, I noticed that the pending fraudulent charges were all posted with date XX/XX/XXXX and hence immediately called the PNC Bank Customer Service ( XXXX ) to dispute the amount posted on XX/XX/XXXX and also asked them to link the above XXXX case number for all my claims. ***************************************************************************************************** The date posted and amount of these fraudulent charges are listed below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az XX/XX/XXXX XXXX XXXX Purchase The XXXX XXXX XXXX Az
Company Response:
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/2022 I was the victim in a XXXX money transfer scam. I tried to cancel the transfer but I was not able to and the other party involved received the funds. I have requested a payment back from that party for the amount and I have received no answer. I have also requested my bank institution to dispute this transaction but they claim that because it was authorized from my end, without my being aware that this was a XXXX scam, it is not under purchase protection, and therefore can not be disputed as such However, I was under the impression that all money in the United States is covered under the FDIC. If money is fraudulently stolen or wired out of my account the bank is responsible for reversing that transaction and possibly flagging and Reporting the recipient for investigation. In refusing to reverse the fund transfer, i believe my Banking institution is being complicit in a crime, given that a legitimate bank account and personal information is required to link XXXX. Meaning that they could easily trace back the funds taken from my account but are refusing to.
Company Response:
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: PNC XXXX XXXX customer service today XX/XX/2022 was very rude, unprofessional and disrespected about a text alert I received of a completed refund transaction on my account that posted today. This has been my primary bank for years, even during the pandemic. I don't understand why do I have to wait " 7 '' days to gain access to my funds, when this has never, in years happened before. I requested over 4 -5 times to speak with a Supervisor, the customer service rep, rudely cut me off and put the wait time music on, held the phone, I could hear her in the background, for over 20 minutes. Refusing to transfer me to a supervisor. I don't appreciate the rudeness just to get access to my money.
Company Response:
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: my account was hacked PNC, in XX/XX/XXXX to XX/XX/XXXX I was contacted by phone that my payments was not received. I contacted the bank and was informed that I had submitted a claim on-line I informed them that I never requested anything. I have been trying to get this resolved. But however, the Bank keeps sending My money to the Merchants and taking my money from the account. They asked for proof that I paid out of pocket. I have sent them a copy, and they still keep refusing to return money back in my account. I keep filing disputes for them to return my money but have not received anything. This is my last resort to file with this company. I am so exhausted and tired of fighting to get my money back from PNC. please help me with the Issues and PNC Bank. They keep reversing the provisional credits and accessing me overdraft and sending my money back to the Merchants. Refuse to speak with me and informing the representative what to tell me. I have not gotten a call or nothing, I have requested someone from that department call me, I am still waiting. now my account is overdrawn by {$1100.00} which was the provisional credit they gave me but I took out leaving the account on {$0.00} because I don't trust this bank now they took back there provisional credits now it remains {$1100.00} overdrawn please help and that's not all I disputed should have been about {$3500.00} returned to me but the only let me get {$1100.00} then took that back I'm living check to check I need all my money
Company Response:
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The problem is the online banking periodically is unavailable for deposits. On Friday XX/XX/2022 I attempted to deposit my check several times until XXXX. This happens often. Everyone knows Friday is payday. Why would PNC who claims to accept same day online deposits until XXXX do this to their customers? I have a business run and this is not fair to me, I can not imagine how people without credit feel or manage. It is an unfair business practice. If they are having technical issues, they should post a notice so that people can go to the bank and deposit.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX my family and I received unsolicited " offers '' from PNC to use their checks to " improve your financial flexibility. '' We decided to deposit checks for amount totaling XXXX USD on XX/XX/XXXX. This money had a whole year to be paid back yet this PNC is now scheduling this payments without our consent and they have scheduled amounts of XXXX to go back to this credit card account on XX/XX/XXXX. I have tried to resolve this with them but they sheepishly blame me for scheduling that amount when I believe it's a glitch in their system that makes this payment be scheduled WITHOUT my consent. I first called on XX/XX/XXXX and their staff showed me how to delete this scheduled payment but on Monday they had already scheduled it again for same day. I called on XX/XX/XXXX and after being on the phone with them for over XXXX minutes, their staff were rude and bossy and wanted for me to humble myself and feel like am their under their mercy, am not. I requested for manager to call me back and they said someone will reach out to me but they still haven't. I decided to call again since they are robbing me XXXX ands spoke with their staff who said they were not sure if that transaction is reversible. They keep insisting that I can change/delete payment but I will include XXXX screenshots of XXXX online bill payments and prove that on this one they schedule themselves I have no control over it and I am not able to stop/cancel payment -- -on XX/XX/XXXX I had the option to edit/cancel but PNC decided to take that option away from me. This money/offer was for to be paid back by XXXX by PNC has taken it among themselves and do illegal business. on the attachment PNC 1 their or PNC themselves system schedule it and so I can not edit cancel since I have no control. On PNC 2 it it one of the bills I set up and so can edit cancel
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was tricked into using XXXX to send money. I received a text form XXXX saying there was a problem with my transaction of XXXX dollars which is the same amount of money as two items I had purchased and was trying to return. I called them to sort it out and they had me download an app called XXXX, and then told me I had to make the transactions ( but that the money wouldn't go out ) to make sure my account was working properly and my charges could be approved. They took a total of XXXX from my PNC checking account. As soon as I saw my checking account was empty I realized it was a scam. I immediately called PNC to report the fraud. They said they aren't liable because it was XXXX. Everything I have read about the EFTA Act Regulation E says this should fall under the same fraud coverage. I've filed fraud claims for all four transactions with XXXX as well. These are the 4 transactions. All took place on XX/XX/XXXX. PNCXXXX = XXXX, PNC*** XXXX XXXX, PNC*** = XXXX, PNC*** = XXXX XXXX
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A