Date Received: 2022-08-12
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On Friday XX/XX/2022 I received an alert regarding my PNC Bank Savings Account in which a check was provided for payment in the amount of {$2000.00}. My savings account was over drafted due to this fraudulent activity. What is most concerning is that the check is coming from The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is made payable to XXXX XXXX. This check fraud because it has my savings account number on the bottom of the check. I have never in my 40 years of being a banking customer had checks under my savings account. This the 6th time that my bank account with PNC has been targeted for fraud. I have been informed numerous times that my accounts are on high fraud alert, and I just don't understand how this problem keeps happening with no consequences to these fraud thieves. I have taken all the necessary precautions to protect my credit and my bank accounts personally and the problem hasn't been solved. I am currently still waiting to get my money back from a previous dispute regarding a check that was cashed for {$2000.00} back in XX/XX/2022, and now this other fraudulent transaction happens again, and I am left with once again going through the dispute process and bank account changes. Your attention to details on this matter is crucial and needs to be properly investigated.
Company Response:
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/22 XXXX requested and sent the authorization to transfer funds from my two PNC IRA 's to my two XXXX IRAS. For two weeks nothing happened. I called PNC and they said they needed an overnight number. I called XXXX and they send an E-mail to PNC with appropriate address. This was on XX/XX/XXXX ( PNC case # XXXX ). No one from PNC contacted me about the problem until after my call I got a letter from XXXX XXXX at PNC asking for physical overnight mailing. I waited another 10 days after XXXX sent the address and still no transfer, so I called PNC again and they said they had not recieved the overnight address. So I Iooked PNC 's address up and called PNC, but they said they could not take the address from me. I asked if PNC rep would make a single call to XXXX. NO! So on XXXX XXXXXX/XX/XXXX XXXX called for me. PNC denied having ever gotten the address, and they denied getting the transfer on the Roth IRA, even though it was sent along with the request for transfer of the regular IRAXXXX PNC again would not let the XXXX guy give them the address with out me. Today : still no funds have arrived. PNC puts up on barrier after another to stall or discourage the transfer of funds. I figure I have lost around {$450.00} from this delay because the money was being moved form a .03 % account to a 3.45 % account at XXXX.
Company Response:
State: PA
Zip: 168XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: Was scammed for {$100.00} on XXXX through my PNC bank app. Someone by the name of XXXX XXXX on XX/XX/XXXX tried to get hundreds from me via refunds and creating a fake XXXX email address to receive funds. I spoke with PNC two days ago and they could not guarantee me a refund for the transaction.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotional offer from PNC Bank for my VISA credit card. The offer was that if I made {$500.00} in purchases on my new card between XX/XX/2022 and XX/XX/2022 I would receive a {$100.00} credit on my account within 90 days. I made a {$500.00} purchase on XX/XX/2022, but I never received the credit. I called their customer service and was told they didn't show the offer as having been made on my account. They were going to research the issue and get back to me. That was over a month ago and they have not contacted me. I have a copy of the promotional email I received from them with the offer which is attached to this complaint along with a credit card statement showing the purchase made on XX/XX/XXXX.
Company Response:
State: CO
Zip: 80501
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/XXXX, I disputed an unrecognized credit transaction on my personal credit card. The fund that was charged got refunded to my card. The amount was {$9.00}. But my credit score went down by XXXX points. Will you guys please open up an investigation to check why my credit score went down by XXXX points between XXXX and XXXX? I'm never late on any credit and loan payments. Is the credit dispute related to my credit drop? Please restore my credit back to what it was before.
Company Response:
State: NJ
Zip: 089XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX and XX/XX/XXXX after making a payment to be applied to my mortgage I get these messages that state : On XX/XX/XXXX, $ XXXX was received for PNC mortgage ending in XXXX. Funds intended as a mortgage payment are applied when a full monthly payment is received. And it's my understanding the according to regulation the payment must be applied when received. https : //www.consumerfinance.gov/rules-policy/regulations/1026/10/
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
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: On XX/XX/2022 I advised PNC credit card that my cash rewards of {$98.00} had not been credited to my account. I submitted a dispute and they acknowledged that it was not credited however it never showed up on my account. On XX/XX/2022 I contacted PNC about a pending withdrawal from my checking account in the amount of {$930.00} and advised that it was an overpayment from an auto pay on my PNC credit card. The branch could not assist and connected me to the PNC credit card customer service. They stated they would put in a request to refund the over payment. Although it was pending PNC checking would not stop the overpayment nor would PNC credit card. I have spent hours on the phone over the last few days and they have not done anything to reverse the charge.
Company Response:
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This complaint is being filed in conjunction with a previous complaint filed on XX/XX/XXXX ( Complaint # XXXX ) which is still open at this time per PNC Bank although the investigation of fraud on 3 of my accounts has been concluded. In my original complaint I requested documentation from PNC Bank 's Executive Client Relations Department proving that the bank had 30 days to investigate the 3 occurrences of fraud that took place on 3 separate PNC accounts which were held in my name. I requested this information because all I was told by PNC after reporting the fraud was that provisional credits were being requested and that they had 30 days in which to investigate. I first asked XXXX XXXX in Executive Client Relations for the documentation on XX/XX/XXXX via voicemail and continued asking via multiple repeat voicemails but never got a return phone call. On XX/XX/XXXX, I contacted XXXX XXXX in Executive Client Relations as the investigation had been transferred to her after my complaint was filed, and she told me the only documentation available was in PNC 's Account Agreement which is given to customers when opening a new account and referred me to that for reference. Upon reviewing the agreement, the only reference to PNCs policy regarding fraud investigations was found on page 24 under the heading entitled " In case of errors or questions about your Electronic Transfers '' where it states ... .. '' We will determine whether an error occurred within 10 business days ( for verified unauthorized Non-PIN transactions, within five ( 5 ) business days ), after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days, ( for PIN point-of-sale transactions and/or Non-PIN transactions up to 90 calendar days ) to investigate your complaint or question. I f we decide to do this, we will provisionally credit your account within 10 business days ( for verified unauthorized Non-PIN transactions, within five ( 5 ) business days ) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. I complied with all of PNC 's stipulations regarding reporting of such instances of fraud immediately upon discovering the deductions from my accounts, and my complaints were escalated to their Executive Client Relations Department on XX/XX/XXXX, but provisional credits were never issued to me until XX/XX/XXXX. All of these transactions took place at Virtual Banking Machines, and, of course, were Non-PIN transactions as told to by XXXX XXXX who did divulge some of the investigation details to me in our recorded conversation on XX/XX/XXXX. As of this date, PNC has never explained to me why provisional credits were not issued within the time frame stated in the Account Agreement. I have also been told that details concerning the fraud investigation are not able to be shared with me although I have requested knowledge of where the transactions occurred as I have been told multiple locations ( XXXX, Missouri ; Michigan, and lastly XXXX, Texas ) by various PNC associates and also what type of ID was presented as I was told that one had to be presented as these transactions did not utilize any type of credit or debit cards but actually accessed 3 of my actual bank account numbers.
Company Response:
State: DE
Zip: 19963
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I fell victim to a Crypto investing scam where I was purchasing BTC for a investor that seemed legit with promises of high returns. I was sent a website with a login and everything watching the funds rise. It was when it was time to withdraw that they kept asking for more fees where they eventually disappeared and stopped responded when I refused to send another dollar. My bank will not do anything for me on this when they were authorizing these transactions left and right. They should have never allowed transactions like this to go through when the receiver was suspicious. I am not protected in any way by this Federally Insured Institution. These various transactions dated between XX/XX/2021 and XX/XX/2021 totaling {$11000.00} plus {$130.00} International Fees due to these transactions. I have disputed all transactions with my bank and they denied them all. I spoke with several people at the Institution and they had be resubmit them and they were denied again. I have also reached out to all Crypto exchange companies where they also denied me any resolution. All transactions are included.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: i currently have an application with the HAF Indiana. during this long process i asked PNC if getting amount past due deferred would interfere with my application in the future for assistance and was told no. well now i am almost to the end of the process. it has interfered and I am not going to receive assistance for deferred amount. i am so confused. i had to already sign off for assistance on homeowners ' insurance due to state farm did not do on boarding and now this. any information will be appreciated. i have emailed my housing counselor as well thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IN
Zip: 47302
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A