Date Received: 2022-08-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I submitted one payment to be applied on XX/XX/2022. Two payments were applied and taken from my checking account. Called company. I was told there was a problem with their web site. On XX/XX/2022 another payment was applied and taken from my checking account UNAUTHORIZED. I called her as told this was happening to multiple people. Again on XX/XX/2022 another payment is as attempting to be applied UNAUTHORIZED and I have yet to get my money returned or an explanation as to why this is happening. XX/XX/2022 they attempted again UNAUTHORIZED
Company Response:
State: GA
Zip: 31061
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are several accounts on my consumer report that I have tried to get off because they were not accounts of mine, my information was used several times and there are even phone bills in my name.
Company Response:
State: FL
Zip: 33405
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: Fraud or scam
Subissue:
Consumer Complaint: I am a student in XXXX XXXX, from XXXX. I was contacted by friend XXXX XXXX XXXX on XXXX of XX/XX/2022, that he has a potential client in the XXXX who can only send you money via the Cashiers Check and not wire him directly. As i live in the XXXX, i offered to cash the check on his behalf and send him the money. A few days later, the client of my friend who went by the name, XXXX XXXX, contacted me saying that i will be receiving the check via mail in a few days. When i received the check, it was more than the amount that my friend had decided. The scammer, XXXX XXXX, told me that the extra amount needs to be paid to his supervisor so he can release the drawings for his house which he had been mentioning before. The decided fees with my friend was XXXX, but XXXX additional was sent. Then an accounting officer contacted me who said how to deposit the check in the XXXX XXXX, but the XXXX XXXX didnt allow to deposit the check. Then i was sent another check, which was of an even bigger amount, which was XXXX and i was asked to transfer XXXX to different accounts, leaving me with XXXX USD which was supposed to be a part of my friends working fees. Just when i transferred the amounts, something clicked with my friend and he said its a scam. But it was too late, the funds were available and the funds were transferred. We tried contacting the PNC bank immediately when the funds were transferred, so we can do something about it. PNC bank assured us that the checks were cleared and there was nothing to worry about. The checks were deposited in person, and the checks were still not caught by the cashier if they were fake or not. They were still cashed, the funds were made available and then i am being held liable for so much money because banks have a stupid law to make the funds available. The securities officer from PNC told that they wouldnt help us in anyway and we are liable to pay the amount to PNC which is in their policy but theres no mentions of scams like this, or even when the accounts are opened. The bank operator called the checks were clear and that there was nothing to worry about. How are banks not ready for this. on top of that PNC would deny to help us or even listen to us.
Company Response:
State: DC
Zip: 200XX
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: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: PNC Bank was unable to execute the loan after issuing the loan documents. PNC Claimed that " the Internet is down '' as the reason for being unable to generate a check against the loan. After having the customer wait 3 1/2 hours in the branch, they generated the check, but set up the loan in the wrong amount. Now PNC is trying to reissue the loan and check and have the customer return to the bank to correct the amount- the error is {$0.00}. This bank is incompetent and unmanaged.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Grandfathered checking account opened when PNC acquired BBVA Compass Bank, where I ( and I'm sure many others ) had previously Free Checking accounts with no monthly fees or minimum balances. Now there is a service charge for not maintaining some preset balance in the account that I never agreed to and I don't even know : 1. ) what that balance threshold is 2. ) all of the possible fees associated with the account This was really poor business management on the part of PNC Bank, very unfair to the BBVA account holders that previously had totally free checking. Will definitely be taking my business elsewhere.
Company Response:
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My accounts was offset ( cleared to XXXX balance ) by another account with my name on it. I was unaware of a transaction that put the other account in the negative and PNC 's decision to close or offset that balance with funds in my checking and savings account. This other account is my daughter 's account. This account was opened before she left Michigan to attend college in Tennessee. My name was placed on the account to allow me ability to perform transactions in her account during her absence. The branch representative never disclosed my ownership to this account or partnership in this account with putting my name on her account. Her name is not on my primary account. At the time of opening, she was XXXX turning XXXX in two weeks. She has had this account for two years with negative balances occurring occasionally but my account has never been affected ( deducted to offset the negative balance ) so I had no knowledge of any links between the two. When my account was cleared, I initially thought I was a victim of identity theft. I contacted PNC to find out what was going on. This was approximately XX/XX/2022. I was told that PNC took the money to offset a negative balance of {$16000.00} in my daughter 's account. My accounts were cleared of {$5000.00} total between checking and savings. According to PNC, a cashier 's check from Chase bank in the amount of {$16000.00} was deposited in her account through the ATM on XX/XX/2022. A letter was generated from PNC to my home address to me on XX/XX/2022 stating the check would be placed on hold for verification. However, I never received this letter. Three days later, according to PNC several phone calls was supposedly made by my daughter asking the bank to release the funds for a funeral. PNC stated they contacted XXXX XXXX to verify the check by phone, XXXX verified it, and the funds were released. Days later, the check was not cleared and the account reflected a negative balance and two weeks later the offset was taken from my primary account. I got this information after I started an investigation to find out why an offset was taken. I was never notified of any of these actions during any of these transactions. PNC claimed that I was a monitor/part owner of this account because my daughter was under XXXX when the account was opened. I was not notified of this or we could have waited the two weeks until her birthday to open an account if this was the case. I was told she was receiving a XXXX account due to her going to college and being a XXXX but not that she was a minor or I would be responsible for her account. Also, as a customer myself, PNC has never released funds from a check to me unless the money was in my account to cover the check amount or the check had been verified. I asked why this process was not followed for my daughter 's account especially when PNC told me that my daughter 's account was negative {$500.00} already when the check was deposited in the ATM. In addition, when the alleged phone call was made by my daughter to PNC to give an exception to the process and release the funds, why was I not contacted for verification if I was the monitor/part owner and she is the minor. Finally, when PNC did decide to release the funds based on this phone call and called XXXX to verify funds, if the check was not valid, why did PNC not put in a report against XXXX instead of directing all fault to me. PNC decided not to reverse this transaction made to offset funds using my account, closed my daughter 's account and decided to leave my account open and send the remaining balance of approximately {$10000.00} to collections. I decided PNC did not protect me as the client so I closed my account on XX/XX/2022. I asked PNC for copies of the letter generated to place the check on hold ( XX/XX/2022 ), the phone recordings of my daughter calling in asking them to release funds, and the person contacted at XXXX who verified the funds. Also, I asked for a copy of the camera view of who deposited the check in the ATM because PNC stated it was not my daughter. PNC has refused to give me any information retrieved during investigation of this case. They told me if I wanted it, I would have to get a lawyer and have it subpoenaed for them to release documents to me. Therefore, I have no attachments to collaborate this statement as of yet. I have received a notice of collections on XX/XX/2022 to dispute by XXXX XXXXXXXX XXXX. This notice is solely directed towards me and does not include any ownership from PNC for not following their company 's policies to protect me from these kind of situations. My primary account has never had anything of this sort in over 15 years of service as a client of PNC.
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On Sunday, XX/XX/2022, I was trying to buy tickets for a XXXX game from someone on XXXX and it turned out to be a scam. Unfortunately for me, I did not know it was a scam until after I sent the money through XXXX using my PNC Bank account. I never got the tickets, and can no longer get the person who emailed and texted me to respond. I know it is a scam the more I have looked into it. I need someone to help me get my {$480.00} back. I contacted PNC within an hour or so of the transaction and they said to call back and dispute once the transaction had posted. It posted today so I called PNC back and they told me there is nothing they can do. Not exactly the answer I was looking for. Please let me know what I can do to try and resolve and get my money back from this scammer.
Company Response:
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: PNC Bank has closed my account unannounced after I filed a dispute and they issued provisional credit. However once the credit was issued they closed the account and I wouldve complied with anything they wanted from me to help resolve the issue but instead they dont ask for that and close the account.
Company Response:
State: PA
Zip: 15090
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with monetary relief
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/XXXX I found out that my XXXX who was working on my ( vacant ) home was likely making fraudulent purchases on my PNC XXXX XXXX credit card. After finding this information out, I immediately called PNC and had the transactions from XX/XX/XXXX and beyond flagged for review. I found this information out about him likely making fraudulent purchases because my partner XXXX had also hired the same XXXX we found out he had been making fraudulent purchases on XXXX credit card, but he made them within a very short timespan so it was much more obvious. After explaining this to PNC, I felt that the first employee from the fraud department treated me differently for my XXXX orientation. After that conversation, I talked with several other agents from PNC, until receiving a call on XX/XX/XXXX stating that my claims were being denied because I had admitted to allowing the XXXX to use the card a handful of times, that the transactional fraud is denied with PNC. The entire time speaking with PNC I felt that they were almost defending him, rather than protecting me as a consumer and their customer. I did allow the XXXX to make a handful of purchases on the card, but he was instructed to put the card back in a specific spot in the home ( where my office things were ) and he did do that. However, I feel that he must have continuously stole the card out of my home to make large purchases for himself. By searching the receipts for the several hardware stores via the card number, I found transactions for household items, materials completely unrelated to my house, laundry detergent, and extremely expensive tools including multiple shop vacs, an {$800.00} paint sprayer, multiple large tool sets, etc. These transactions are obviously not authorized by me. At no point did PNC ask for any receipts, nor do I feel they did any due diligence to find any information on who actually made these purchases at the store via security cameras or other methods. They did not ask for a police report, and they did not ask for any additional information related to gathering evidence for the claims. They claimed because I had let him use the card a small number of times, that they are denying the claim holistically. I just thought to myself if I went to XXXX XXXX XXXX XXXX and authorized them to take {$50.00} out of my account for candles, would that give them the right to take thousands of dollars out of my credit card just for authorizing that one transaction? I feel that PNC did not do any sort of further investigation into the large amount of fraudulent transactions on my card. While the transactions were spread apart over 6 months, as a consumer I felt that they did not protect me whatsoever in what has been one of the scariest and most violating moments of my life. This XXXX was very knowledgeable in this type of theft to make it go under the radar and pass as a more inconspicuous situation. After researching, I found he has multiple theft charges and have found a recent social media post from another customer of his claiming he took their deposit ( thousands of dollars ) and refused to do the work. Overall, I feel that PNC did not complete any due diligence whatsoever in this extremely severe matter of theft, and as a consumer I feel that they are not complying with lending laws designed to protect consumers from this type of fraud and ensure lenders and creditors are protecting their customers. Thank you for your help.
Company Response:
State: OH
Zip: 44870
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Multiple instances of online account access being down. Impossible to access account information through either the website or the mobile app. No explanation provided by bank other than a vague notice that the website is not accessible at that time. The worst website reliability I have ever seen in a banking website.
Company Response:
State: AZ
Zip: 85009
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A