Date Received: 2022-08-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: I XXXX searched " XXXX XXXXXXXX '' on the shopping tab. XXXX XXXX popped up with the camera for {$500.00}, with $ XXXXshipping. A total of {$550.00}. After I placed the order, it was requested that I pay via XXXX through my PNC app. My order number was # XXXX and said " pending ''. I did not receive further instructions regarding where to send it, so I used their XXXX to inquire, nor did I receive an invoice or receipt. A person named " XXXX XXXX '' responded and sent me an email from XXXX with instructions to issue the payment to XXXX ( an individual named XXXX XXXX ). He also requested that I reply with a screenshot of the XXXX payment. I did so and requested that I be sent an invoice and tracking number when it was shipped. I was told it would be sent today ( XX/XX/2022 ). I noticed the next day that it was still saying " processing '', so I inquired via the XXXX with no response. I emailed the admin account, was told the item was going to be shipping soon, and the following day, they stated that I had not made the payment ( despite confirming that it was received ) They are also not answering the phone number listed on their website. They have since removed the ability to use the XXXX from my account, Upon looking deeper on their XXXX business reviews, I saw that two things had occurred. Firstly, there is a review left by " XXXX XXXX '', the same name as the person who allegedly works there. Secondly, another user commented that the business was a scam. I contact my bank ( PNC Bank ) to dispute the transaction and report the fraud. They told me to call back once the payment has cleared my account. It cleared on the XXXX. I filed a dispute with my bank and they said I would hear back in 10 business days. They have since told me that my dispute was denied because it was not considered fraud. However, from what I understand, this agency has been pushing to include XXXX scams to be recognized as an " unauthorized '' payment. I have also not heard from the " seller ''. I have documentation of the scam below. I have filed reports with : The FTC, the Illinois Attorney General, the FBI, and the XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XX/XX/2022, mailed signed letter requesting to close account ending in XXXX. XX/XX/2022, received letter from bank indicating a maintenance fee was charged ( {$7.00} ) Bank failed to close my account and now is charging me a maintenance fee.
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XX/XX/2022, mailed signed letter requesting to close account ending in XXXX. XX/XX/2022, received letter from bank indicating a maintenance fee was charged ( {$7.00} ) Bank failed to close my account and now is charging me a maintenance fee.
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Last year in XX/XX/XXXX to XX/XX/XXXX there were fraudulent charges done on my credit card. The total was spend {$11000.00}. At that time the bank was XXXX. Once I noticed my card was stolen and called all of the charges that were done on my account I called them to investigate. XXXX told me they will look into it and let me know. I kept calling them every other week and did not hear anything back. In around XX/XX/XXXX PNC took over XXXX and they told me I needed to speak to the Fraud Dept. with PNC. They told me at the time they will look into my case. I kept calling every month to check and they could never update me. I finally was able to get in contact with a representative in XX/XX/XXXX that took action and he was able to place my account in front of the investigator manager. They promised me I would hear back in 30 days. After almost 30 days passed I noticed on my account all of the charges were taken off in XX/XX/XXXX and I had XXXX balance in XX/XX/XXXX. I assumed that they had fixed everything. In the beginning of XXXX I can my credit reports. It showed I owe {$10000.00}. I was shocked as everything was removed and updated. I also noticed there are late fees reported on my account. I started calling PNC Fraud Dept. every week and they could not give me an answer to why I have a balance on the fraudulent charges from last year XX/XX/XXXX to XX/XX/XXXX and why there was a late fee showing on my credit. I have yet to get a response regarding those fraudulent charges on my credit card that I did not do. The late fee is also still showing my my account. I need to know why they will not help me and remove charges I did not do.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have made several attempts to close a paid off HELOC to no avail. We took out a XXXX XXXX XXXX with PNC on XXXX with PNC, whereby part of the proceeds were REQUIRED to payoff our existing HELOC. The balance was paid off, however, the HELOC was not closed. When I saw that the HELOC remained open, I inquired with PNC and was told that I had to submit a letter in writing to do so. I FIND THIS INCREDIBLY IRONIC, AS A CREDIT DECISION WAS MADE TO THE CONTRARY. THE ENTIRE AMOUNT OF THE HELOC WAS AVAILABLE TO BE DRAWN, AFTER THE CASH OUT LOAN WAS CLOSED. I was told that if I submitted a letter requesting to close the account, the subsequent {$50.00} annual fee would be waived, and my loan closed. We submitted the letter in writing, and several weeks went by, and the loan was still open. I again called and was told that the closing request was not processed because there was a remaining {$50.00} annual fee on the account. I paid the {$50.00} and I was told the closing request would be processed. I again inquired when I saw the HELOC was still open, and received a letter indicating the draw privileges were terminated on XX/XX/XXXX, and, as long as there were no fees and no balance, the HELOC WOULD BE CLOSED. As of today, the draw privileges remain available until XXXX/XXXXXXXX and the account is open.
Company Response:
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX, owner of XXXX XXXX requested that I pay by check while he was at my home. he stated he wanted the money to clear before he left town. That evening I received an email from him stating I needed to send payment via wire, ( in the same email thread as the final invoice ), because all check payments were placed on hold, and the bank voided the check. I wired the money from XXXX to BBVA. XXXX did everything they could on their side. BBVA was not compliant and would not help despite having all the information. The check was not voided and it was cashed by the lawn company. The amount was for {$12000.00}. I tried a wire recall and it didnt work. I filed a police report and a report with the FBI and with my bank. I also let the lawn company know I was not able to get the money refunded through my bank or the bank that it was transferred to. The company says he was hacked and is not responsible. The email stated to send the money to this account. Account name - XXXX XXXX Bank name - BBVA bank Account number - XXXX Routine number - XXXX This money was from my personal savings that my spouse and I have saved for when I left XXXX XXXX ( XXXX ) so I would not have to work or put our children in XXXX while I was in XXXX XXXX This transaction completely depleted our checking and savings account. We had to use our credit cards.
Company Response:
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: My wife was scammed via XXXX l. Number was spoofed and she was manipulated to send money via XXXX I believe PNC should of had more security measures and not allow the account to be wiped out. I lost XXXX XXXX dollars in a matter of 24-48 hrs. I called to notify PNC on XX/XX/XXXX first representative did not do my dispute/ claim and told me to call back tomorrow to a different department. I called again on XX/XX/XXXX to be told that I didn't need to be transfered to a different department and they should of been disputed the first time I called. XXXX transaction were still pending and time was not on my side PNC failed to do my dispute when I first called. PNC rep should of done my dispute when I called on XX/XX/XXXX. I called today since I have yet to receive letter on status just to be told it was declined.
Company Response:
State: NM
Zip: 87144
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: XX/XX/XXXX I arrived at the BBVA Bank ( Now known as PNC Bank ) around XXXXXXXX XXXX or XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I drove straight to the drive-up teller. I sent my settlement check and my driver 's license through the machine to the teller. I waited. The woman teller comes on the speaker and says " Are you making a deposit today? '' I replied, " No, I would like to cash the check. '' After about 3 to 4 minutes or so, she replies, " I can not cash this check, I can only deposit it. It will have a branch hold placed on the check for 7 days due to the amount of the check. '' I replied, " That's okay, I have bills I need to pay by today, thanks. Just send it back. '' She replies, " Just to let you know, anywhere you go they would put a hold on the check. The only bank that will cash this check is the bank on the check. '' I said " Okay, thanks. '' I retrieved my check and driver 's license from the machine and I drove off. I pulled over to search the bank on the check which was XXXX XXXX. I found that this is not a local bank, so I drove over to my regular check cashing place, XXXX XXXX XXXX on XXXX XXXX in XXXX, TX. They told me they couldn't cash my check because they kept receiving an error on their end. I get back in my car and drive all the way to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX. The agent told me she couldn't cash my check and I grew frustrated and asked her " Why?! '' She stated " We are unable to cash the check it's showing as unauthorized, you should try cashing it at your bank. '' I replied, " I just left my bank, they wanted to place a hold on it, but I have bills due today. '' I ended up leaving there and driving all the way back home. When I got home I saw that I received many email notifications, app notifications, and missed phone calls from BBVA Corporate Fraud Department. I returned the calls to find out that the lady at the bank reported my settlement check as fraud. She also froze my bank account and reported me to the bank. The woman on the phone said she noted " that you tried to cash a fake check at the drive through today. '' My heart dropped. I had just taken the check out of my mailbox and went straight to the bank. I explained this to the BBVA Corporate Representative that I spoke with. I told her the check is not fraud, it is a settlement check from an employer that I applied for in XXXX. I was discriminated against and refused a job and the court settlement just settled last month for the case. I told her the entire encounter with the bank as well and asked why would the woman determine my check is fraud because I declined to deposit it? The representative told me she was unable to unfreeze my accounts and only the bank who placed the freeze would have to unfreeze my account. When I got off the phone with BBVA Fraud Department I called XXXXXXXX XXXX. XXXXXXXX XXXX was the bank listed on the check. I spoke to a woman at their corporate number. I explained the situation and told her my bank reported my check as fraud. She asked for the check number and account number at the bottom. I gave her the information and she stated " The check is real, it's payable. It is not fraud ma'am. '' I called BBVA Corporate back and gave them the information I received from XXXX XXXX. I also asked why didn't the teller just call the bank on the check instead of lying on me. She said she wasn't able to determine why the teller did not verify the check before entering it as fraud. She advised me to go back to that bank and clear my name otherwise they would permanently close my bank accounts for good. I returned back to the BBVA Branch around XXXX XXXX. or XXXXXXXX XXXX. I asked to speak to a branch manager regarding the XXXX discrimination I received earlier in the day. I sat down and spoke with a man named XXXX. He claimed to be a manager there. I explained to him the situation and all he really did was make excuses for the teller stating things like " We can't call to verify everyone 's check 's ... '' " I will have a meeting with her to find out why she flagged your check as fraud without verifying it ... '' I gave him the check and told him " it took literally 4 minutes to verify! '' He gets on the phone and calls XXXX XXXX and verified it. Then he made more excuses like " You're the second person to come in with a check with this exact amount from the same company. '' I replied, " It clearly says settlement check, meaning the mount out the settlement is divided evenly with all parties of the discrimination lawsuit and this looks like another one. You're making up excuses when this is your first time seeing the check! '' He proceeded to make copies of the check, he deposited it, and unfroze my accounts. I left. One day later my accounts were unfrozen. However, the damage was already done. I was XXXX profiled for declining to cash a check. Stress levels through the roof. The teller flagged the check where it could not be cashed anywhere. I could have been falsely arrested at both XXXX places because of the false flag of the check and accusations made against me. XX/XX/XXXX, I ordered my kids clothing online at XXXX their system took my payment and denied it within 5 minutes stating that my financial institution is showing them fraudulent activity. I explained the situation to the woman at XXXX, she stated that she couldn't do anything about this order because it is automatic to prevent fraud. They automatically refunded me {$230.00} for the declined transaction. More embarrassment and humiliation! I called BBVA Corporate and filed a complaint. A lady called me back XX/XX/XXXX or XXXX, XXXX stating she was a supervisor. I explained the situation all over again. Did I get a true apology? No. This lady started scanning through my bank statements stating things like " Let 's see what I can do for you, I see you have a lot of XXXX XXXX Deposits and Unemployment Deposits and lots of Overdraft fees. '' She refunded about {$160.00} worth of overdraft fees that were extremely OLD and already taken care of by me. Then she states " I'm sorry this happened, I will contact the branch to find out why this happened and give you a call back next week. '' I never heard from anyone from BBVA again after that. More attempts to humiliate me. My bank statements and what I purchased or received had nothing to do with being discriminated against and XXXX profiled. The tone in her voice was almost condemning. She did not know how to resolve the problem clearly! The key to proving my innocence was going back to the same bank who flagged the check as fraud and having them deposit it. I am seeking justice regarding this matter. Justice sends a message. Think before you act. No one else who visits the branch should have to go through this. It's clearly a habit. The XXXX reviews for this bank are more proof by consumers that they profile people. I have proof of the check and the fraud notifications I received that day. Til this day it still hurts to remember.
Company Response:
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
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: I have bought 6 chairs from XXXX XXXXXXXX XXXX on XX/XX/2022 and I paid with my PNC bank debit card from my checking account. When I got home and looked at the chairs one of the chairs was defective from manufacturer and damaged and had a broken leg and severe scratches on one side. It is dangerous for a person to sit on it so its useless and NOT fit to be used. I called the company and they refused to refund me my money and they refused to replace it. The company XXXX XXXX XXXX scammed me and committed fraud by selling me a chair that is defective and dangerous for my family to sit on it and they did not tell me that this chair has a major defect in it so I disputed the charge for that defective chair which is around XXXX dollars but PNC bank denied my claim and dispute. And they charged my checking account back for the disputed charge and that is very wrong from PNC bank. I was scammed by a furniture company and they charged me for a defective chair and damaged and scratched. The defect in the chair is from the manufacturer and is very severe and the company NEVER disclosed that defect to me and should NEVER have sold the chair to anybody because it is dangerous to sit on. PNC bank needs to honor my dispute for XXXX dollars and give me that money back into my checking account. This is a legit dispute of a charge from a scammer and a fraud company. They scammed me by selling me a defective and dangerous chair without disclosing that defect PNC bank reference number for this dispute is XXXX Account ending inXXXX PNC bank has the worst customer service quality and they never help us customers and PNC bank should protect us customers from fraud and scammers like this company XXXXXXXX XXXX that sold us a defective and dangerous chair The disputed charge should be honored by PNC bank and they should refund me that money for XXXX dollars
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2022 Enterprise Rental Car charged my account {$190.00}. The attached document is the front page for XXXX XXXX, which repaired my vehicle. I am the claimant. The General 's insured hit my vehicle. The XXXX XXXX XXXX was supposed to reimburse XXXX {$190.00} and not charge me. The financial dispute is between The General and XXXX, not me. It is XXXX to use their resources to collect any monies owed to them by the insurance company.
Company Response:
State: OH
Zip: 44310
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A