Date Received: 2023-12-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This is a continuation of my previous complaint regarding PNC Bank 's failure to honor a perfectly legal power of attorney. A bank representative, XXXX XXXX, called me on XX/XX/XXXX in order to get more background information on this matter, which I provided. She agreed to call me back today, XX/XX/XXXX at XXXX XXXX to discuss the results of her findings. I planned that part of my day to be available for her phone call, which never came. At XXXX I called and left a message on her voice mail and did not receive a return phone call. Her outgoing message indicated that she was in the office. Her failure to keep her commitment is very unprofessional. This is just a continuing example of how PNC Bank is mistreating me in this manner. This matter can be very easily resolved with just a little bit of common sense by PNC Bank. All they need to do is to call the notary to confirm exactly how the principal 's signature was obtained. Very very easy to do.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: Request for Assistance with PNC Bank Wire Transfer Issue Hello, I'm writing to discuss a rather concerning issue that my business, Rocketserve.io, has encountered, involving a wire transfer to PNC Bank. It's been a challenging situation, and I'm hoping to get some help from the Consumer Financial Protection Bureau. Background : My company got involved in a solar project, requiring us to manage and buy some specialized parts. For this, we sent a substantial payment from our XXXX account ( XXXX ) to a PNC Bank account on XX/XX/2023. This transaction, tracked under Transaction Reference Number XXXX, has been a part of an ongoing investigation ( XXXX Case ID XXXX ). The Issue : Heres where it gets tricky. After sending the money, we found out that the funds, which were meant for buying parts for the solar project, were being shown for something entirely different " people helping people ''. This doesn't match what we agreed upon in our contracts. Because of this discrepancy, I had to step in and tell the fraud agent at XXXX not to release the funds to XXXX XXXX, the intended recipient. Adding to the complexity, I learned from XXXX that her bank account was shut down during this whole situation. Attempts to Resolve : XXXX has tried reaching out to PNC Bank multiple times, but there's been no response. It's left us in a tough spot financially and operationally. Request : I'm hoping you can step in and help sort this out. It's important for PNC Bank to address these issues, especially with the suspicions of fraud and mismanagement of funds. We need to get to the bottom of this and ideally get the funds returned to my account. Thanks for taking the time to look into this. I'm looking forward to any guidance or support you can provide to help resolve this unfortunate situation. I've attached documentation to help further describe the situation or support the wire transfer to the account in question. I'm hoping the money is just in limbo and can be transferred back to the now-closed chase bank account as previously mentioned as so we don't go out of business because we were frauded by some random client. Any assistance in resolving this would be answering a prayer. Best regards, XXXX XXXX XXXX XXXX Owner/Operator XXXX XXXX XXXX XXXX Order In, Service Out '' Office : XXXX ( XXXX ) Mobile : XXXX Toll-Free : XXXX
Company Response:
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My husband and I visited the PNC branch in XXXX XXXX, XXXX to get a cashiers check in the amount of {$31000.00} made out to XXXX XXXX in XXXX XXXX. When I told the teller, XXXX, the amount, her demeanor began to shift toward me. The teller informed us that she was only authorized to give a certain amount of money and would need to call an office to get authorization. XXXX printed the cashiers check but never gave it to us. She began typing and stepped away to take a phone call. After her phone call, she began to ask I what my husband and I needed the money for. I responded that we had a rental car business and were selling our cars to the dealership. To do that, we needed to pay the dealership for the negative equity. The teller then told us that she used to work at a car dealership and never heard of that scenario before. The teller then searched my husbands and I joint account and stated that she saw that the money came from the Dept. of Treasury. When the I asked the teller for our cashiers check, she told us she could not give us the check, ripped it up in front of us, and told us she did not want to risk losing her job. I asked to speak with a manager and waited approximately 25 minutes to do so. When the manager came out, she refused to give me her last name or introduce herself. I asked the manager, XXXX, for her business card. The manager again refused. I had the PNC bank staff from XXXX on the phone to speak with XXXX and she refused to speak with them. She further refused to speak to I until she hung up the phone. The manager told I that she could authorize the cashiers check but wont do it because she did not want to deal with the IRS and followed by saying the check was deposited on XX/XX/XXXX and did not have two signatures, so PNC would have to return the money. She further said she could not do it because the bank was now closed. My husband and I left the location without our cashiers check. The reasoning given by the manager, XXXX, had a mere pretext that two signatures were needed on the check that was deposited around XX/XX/XXXX ( this had nothing to do with our withdrawal ). At the time of our visit it was on or around XX/XX/XXXX. If two signatures were required, the cashier would have stated that, since its a joint account one signature sufficed. We went to PNC bank in XXXX the following day and spoke with the representative who was on the phone the previous day. When I arrived at the PNC bank in XXXX with my husband, we were helped immediately and received our cashiers check without an issue. The manager at the PNC asked us to explain what happened at the PNC XXXX XXXX the previous day and she was appalled. I have been using the PNC XXXX location for her banking needs since approximately XXXX and never had any issues until XX/XX/XXXX. We were in the bank for 1 hour and there were less than six people that entered during that time. Business was slow. Therefore, we couldnt understand why a transaction that were told would take a few minutes, ended up taking an hour. Statement of Discrimination : I was discriminated against on the basis of my race in violation of Title VII of the Civil Rights Act of 1964.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The branch manager that open my business checking account ( account number XXXX ) for PNC Bank, XXXX XXXX, please see her information details below placed a hold on my business checking account and will not release my Funds.even though the letter from Bank stated please see attachment that my phones would be released by the seventh still until now has not been released and every time I visit the branch all the branch managers avoid me. XXXX XXXX Assistant Manager Business Banking Center NMLS IDXXXX PNC BANK XXXX XXXX XXXX XXXX , Virginia XXXX T XXXX F XXXX
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had an open checking and savings account with PNC Bank, on XX/XX/2023 there was a fraudulent transfer made on my account for the amount of {$1300.00}. This caused my bank account to be overdrawn by over {$400.00} and also made my overdraft protection kick in and take {$850.00} out of my savings account. I opened a fraud dispute with PNC and after about a XXXX weeks of " investigating '' they told me the transaction was authorized because they found that the IP Address of the transfer was traced to XXXX miles from where I locked my card after finding out about this transfer. I had explained to PNC several times that I was not in my home state at the time of the transfer because I was on a work trip in South Carolina. They would have been able to tell all of this by looking at recent transactions and also seeing my card declining at XXXX XXXX. I then filed another dispute to have it escalated which when they would call me I would miss it by a few minutes and then immediately call back and leave a voicemail only to receive nothing back. Eventually I tried to reopen the dispute once again and they told me it could no longer be done because my account had been closed for some reason during an active fraud investigation. I have many screenshots of proof including clock in locations from my job on the dates on and around XX/XX/2023. They told me to open a report with my local police department, who told me they couldn't do anything, and to also see if I had a case of identity theft ( which I did not ). This was something that easily could have been investigated and fixed but they made it an extremely difficult process resulting in my losing money and somehow still owing them money. They refused to even look at any of the proof that I had and told
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXXwo parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In mid XXXX I was online with PNC bank help center through their app, yet again, complaining I was still receiving mail through a not used XXXX XXXX XXXX XXXX FL. While chatting, I mentioned my debit card 's chip was failing at point of sale machines and I had to swipe the card instead. Agent stated she would send a new card for which I cautioned her that I did not want my current card to be affected in any way. She assured me it would be with the same account number and it would not be put into effect until I activated it. I explained it also takes a long time for me to receive as my home address is in XXXX XXXX. She said for sure not a problem. In the beginning of XXXX, I was purchasing my medications and the current card was declined. I paid cash. I went to different as this sometimes happens, to pay for groceries. It was again declined. When i got home I went online to the PNC app help center. I was told it was declined because the expiration date was wrong. The card 's expiration date was XX/XX/XXXX. I told them that the information was inaccurate. She insisted and then informed me the new card, sent XX/XX/XXXX, had a different expiration date and that my old card was deactivated. I explained how agregious this was as I had not received the new card. I asked to get the card reactivated for which she told me it could not happen. I was then disconnected and had to reconnect to speak with a different agent. This went on for a while with the same response from them. The agents raised my level of assitance and I received a call from an agent who explained the reactivation would not occur. She also told me a new card was issued XX/XX/XXXX, but that card was a different account number. And, to makes matters worse, both cards were sent to the FL I had asked repeatedly to have removed. My account actually showed my XXXX XXXX address so it is in their system, not on my account. I survive on social security and with inflation and the drop of the XXXX dollar, it has been difficult to survive even when the card was good. I explained all of this to the many agents I spoke with. I was told to call an XXXX number, which I explained can not be done from XXXX XXXX ( I have lived here for more than five years ). They gave me a local PA number to call collect which would not go through, later explained as I needed to do this from a landline phone which neither i nor any of my neighbors have anymore. I explained they have to contact me. Supposedly, another card was issued which, as of today, XX/XX/XXXX, I still have not received. I asked for expedited mailing. Not done. I asked to use XXXX, which I can not do as it uses the PIN number of the card which I do not have. I asked to wire transfer to a domestic account a friend has so I can get money to pay back the folks I needed to borrow money from, to be told I needed a XXXX address. I am at a loss. I have been online multiple times, filed at least two complaints to them, asked for more phone calls to explain. No response. And I have no access to my money.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: On Saturday XX/XX/XXXX I went into the PNC bank XXXX at XXXX XXXX XXXX XXXX Ky XXXX. I initially dealt with a cashier named XXXX and then a manager named XXXX XXXX. I was trying to exchange a XXXX dollar bill that had become ripped. I had the complete bill and they refused to exchange it because they said that they could not read the entire serial number from both sides. There is only XXXX letter for XXXX side of the serial number that is slightly obscured. I have the image of the bill. They attempted to tape my bill and suggested that I let them tape it and then I take it to a store to spend. When I questioned this and asked what would the store do with this bill and told them it was absurd they refused still even after I mentioned the rules stating only 50 % of the bill is required according to government websites.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My husband XXXX XXXX XXXX died XXXX XXXX. I sold his XXXX XXXX XXXX truck recently. The truck was paid off and apparently there was lien on the vehicle that was not due to my husband 's ownership. I have been in touch with XXXX, PNC Bank, and XXXX. Everyone has been very solicitous of my dilema, but there is no solution. The last person I spoke with said that a lien release letter had been mailed from PNC bank on XX/XX/XXXX. I have not received the letter. The vehicle was sold about a month ago and the buyer has not been able to get a clear title.
Company Response:
State: MD
Zip: 21811
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I believe my Checking Account was hacked and someone changed my payment on my credit card and made a payment that was sent to an account at XXXX XXXX of {$2800.00} which was not mine. My XXXX XXXX card has a XXXX balance, so I know I didn`t do it! XXXX XXXX will not give me any information on the account it was sent to because it wasn`t mine. So PNC didn`t find it necessary to reimburse me so I`m out {$2800.00}
Company Response:
State: MI
Zip: 48910
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A