Date Received: 2022-08-18
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I filed a dispute with PNC Bank on XX/XX/2022 for 3 ATM transactions that did not properly dispense. The ATM failed to dispense any amounts on 3 separate occasions but still charged my card the full amount. The ATM displayed an error message to " contact your financial institution. '' I ultimately filed the dispute with PNC and they requested additional information by sending a letter to my home address on XX/XX/2022 which I have not received. I typed up my own explanation of the events that happened since I had not received the letter and faxed this information back on XX/XX/2022. I followed up for several days and was told on XX/XX/2022 that PNC had not received my fax. I have confirmation that the fax was accepted by " XXXX '' at the fax number XXXX. They still maintained the fact that the fax had not been received on their end. I have refaxed the information over a total of 4 times on XX/XX/2022. I recalled their customer service line and was finally told they received the fax. The letter that was sent out on XX/XX/2022 stated that I had until XX/XX/2022 to provide the requested information, which has been done timely. As a former XXXX XXXX, I am aware of every federal banking regulation there is ... and these transactions are governed by Reg E, which carries very strict guidelines that financial institutions need to adhere to. Under Reg E, when a dispute is filed, a financial institution has 10 business days to investigate the error ( s ) in question. If they are not able to complete the investigation in the 10 business day timeline, a provisional credit is SUPPOSED to be provided during that time and the financial institution has up to 45 days to finish their investigation. PNC has violated this regulation intentionally, even after being told they were in violation. They have insisted that I wait. I have done my part and now they need to adhere to Reg E. The Dispute claim was for {$500.00}, {$500.00} and {$340.00} ATM withdrawals that failed to dispense for a total amount of {$1300.00} that they have failed to render.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: PNC Bank closed my business account and business credit card even though I am a law abiding XXXX Business. I was totally honest and forthcoming with the description of my Business when opening these accounts. I poured my heart and soul into this business because of the love for the industry, getting and delivering second amendment rights to those who should responsibly handle those rights by conducting ATF and FDLE approved background checks. I am licensed by the Federal Government to conduct my Business. This type of discrimination is not fair nor should this type of bias be tolerated. I used my business credit card to build my business spend money using it and now can not generate income but yet expected to pay the bill even though they flat out demean me using discrimination of this type along with other Banks. In my opinion PNC Bank should have not allowed this business card and business account to be open in the first place if it is so against their political beliefs. They have wasted my soul, time, and money.
Company Response:
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: At XXXX XXXX on XX/XX/22 I received an email saying my account was overdrawn. At XXXX XXXX on XX/XX/22 I got a second email about a second charge that caused an overdraft. At XXXX XXXX I got another email stating I now was being charged {$36.00} twice for over draft fees. It hadn't even been 24 hours since I received the first email about the first overdrawn charge. Their policy is 25 hours. They claim its not their problem that the emails were sent later than they should have been, and refuse to remove the fees so I can get my account out of the negative.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
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 made a purchase for the XXXX XXXX class with The XXXX XXXX for {$1800.00} on XX/XX/2022. The website was having difficulties and eventually the purchase went through but I did not receive the class. I contacted the XXXX XXXX where they told me that they had never received payment and if there was a charge on my account to contact the bank. I proceeded to contact the bank where they told me that I needed to call back to dispute the charge when the charge posted to my account. I waited 3 days and called back and was told a provisional credit would be in my account 24-48 hours after the phone call. I called after the 48 hours had passed and the provisional credit was not there and then they said it would take another 1-2 days. I then reached out by chat where they told me provisional credits take up to 10 days to appear in the account from the date of the dispute. I waited the 10 days and still had nothing returned to me. To make this even more ridiculous, they said that I would be sent a document to fill out and either send back or take to the bank. They said if I took it to the bank, the provisional credit would be in the account on the same day. I received the document, took it to the branch and they faxed it over. My provisional credit was still not returned to me after that. It has now been a month since I first disputed this transaction and the bank is still refusing to return the money to my account or provide me with provisional credit. This was not a case of buyers guilt as one of their representatives on the phone very rudely suggested it was. I had to work out a payment plan with The XXXX XXXX in order to purchase the class for my fianc who is registered to take her XXXX in XXXX and could no longer wait to register for the class as this was the last class she could take before her exam date. They are violating their own policy of provisional credit within 10 days and almost prevented my fianc from taking her class. Not only do I want my money returned to me, but PNC will need to do something to make this right as this has caused us both an extreme amount of stress and if I am not satisfied, I will be seeking legal counsel to sue for the theft of my money and the damages of the pain and suffering caused by the theft of my money to my fianc and to myself.
Company Response:
State: NJ
Zip: 07747
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I did a chargeback on XX/XX/2022 and was told that the institution only mediates because of the type of transaction ( contractor that didn't do the work ) and they could not take the funds back but only mediate and ask for the funds voluntarily. I elected to file in small claims since the contractor had stated he would distribute a charge back. Here 's where things get messy. I received a letter from the attorney of the defendant on XX/XX/2022 saying I'd been fully refunded and had no grounds to sue. For 2 months I had asked for progress or if the company had responded and just kept being told i had to wait for the 90 day investigation to conclude. I found it ridiculous that I couldn't be told if there had even been a response. I submitted the letter and ask for it to be verified and no one seemed to want to address it ; just the same mantra of wait 90 days. I specifically asked on XX/XX/2022 and XX/XX/2022 if it were possible that the funds were taken and being held until the investigation was over. I was told no but that's exactly what happened. Not only that but it was done XX/XX/2022 and the case should have been closed after XX/XX/2022, the last day they had to contest. It's just a sea of incompetence that has left me in a legal bind.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made several disputes on XX/XX/2022 because I was involved in a fraudulent scam involving a certain website and my PNC Bank denied my disputes saying they determined no error had occurred. The Amounts are {$1000.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$4100.00}, {$2700.00}, {$4100.00}, {$2100.00} and {$4100.00}. I have evidence proving this was taken from when fraudulently if I need to provide it.
Company Response:
State: AL
Zip: 36526
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Bank account fraud. Bank was notified on XX/XX/2022 new card issued. Some transaction that I committed were given to me to negate there error in allowing my account to be overcharged by fraud, the other items could not be deputed till XX/XX/2022 cause they were in pending status. After pending status I went to the back to get the reversal of my lost funds in the amount of {$480.00}. Durning the dispute process a provisional credit was issued until the investigation was over. However just recently the funds were reimbursed back into my account and the provisional credit was removed. The bank stated per the representative that because I was in the area, I committed the fraud and the charges were legitimate.
Company Response:
State: IN
Zip: 46260
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To whom this may concern, I recently opened up a bank account with PNC and deposited very large check, that was successfully deposited. In the middle of me trying to withdraw the funds to use, PNC bank froze the accounts and all my money because I feel they do not want me to remove my cash and funds from their institution. Their reasoning is that the security and investigations department thinks there is fraud going on. But clearly there is not because I am the only person who knows about the account And the only person who has access to the account. Ive tried calling PNC Bank several times over the last 2 1/2 weeks and I have not gotten a clear answer on when my funds will be available. I need these funds because they are my source for paying for my mortgage and all of my bills so that my family and I can stay in my home that I have worked so hard to build and make. The answer I get from PNC Bank is that there is no clear timeframe when my funds will be released in accessible.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX XXXX here in XXXX XXXX, SD. Overcharged me and the mechanic was negligent in the work done. He Left bolts UNTIGHTENED and or loose and the issue had to get fixed at another garage. I was told the cost would be {$990.00}. For a New Starter. I talked them down 30 % and I was charged {$700.00}, but I put a stop payment on the check. Because of the Overcharging and the Negligent work. But PNC Bank Did not honor the stop payment. They said the wrong Check number was entered on the stop payment form. But they did not show me the wrong number, and now today they still will not show me the wrong number on the stop payment form. Nor show me the stop payment form. I am not going to pay any mechanic who does negligent work on my car. And the bank has to honor a stop payment for negligent car mechanic work. And the bank 's negligence in not honoring the stop payment, is now added to the fraudulent work of XXXX XXXX. That Is one issue. The next issue with the PNC Bank is that " All of the disputes I Filed were NOT honored ''. Why Not I asked but no answer was offered. Like I was not complaining truthfully but falsely. Or Lying about the fraud that was allowed by the bank to go on and on. For Months. XXXX XXXX
Company Response:
State: SD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC mortgage lost at least 1 payment during the purchase of my mortgage for another servicer. I have contacted PNC bank/mortgage at least 3 different times ( XXXX, XXXX, XXXX ) always being told that 3-5 business day is needed to research the account. PNC mortgage has sent me physical documentation/payments of the loan, yet they are still researching. Holding my money hostage. Putting my home and bank account in jeopardy.
Company Response:
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A