Date Received: 2022-08-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was trying to sell our couches on XXXX XXXX I will admit I shouldve been more cautious but Ive been very sick and trying to take care of my XXXX XXXX XXXX so Ive been struggling with money more than usual.. a man reached out to buy them. He asked for my XXXX info ( which I knew I had but Im not very tech savvy or familiar with the app ). I gave him just my email and name. He claimed he sent the money but the funds were on hold until I verified the email. I did receive an email from XXXX that looked legitimate. ( I attached images of the emails. ) But it said there needed to be a double transaction to the account and an additional payment from the buyer for the verification and upgrade of the account. Then after he supposedly paid that, I received another email saying it was confirmed and I just needed to refund him in order for it to come through to my account. I feel like Id typically be more cautious of these thing but being in a pickle for money lately I guess I may have let my guard down.. It wasnt until after I sent the refund of {$300.00} that I received an addition email for further verification and I needed to send another {$500.00} Thats when i became skeptical and called my bank and found out that XXXX does not have those restrictions but there was nothing they could do since it would appear as a verified payment on their end so Im grateful I didnt send any more money, but getting scammed of {$300.00} is still pretty detrimental to my son and I right now.
Company Response:
State: OH
Zip: 43130
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: The owner of the account was my son. XXXX XXXX XXXX. He died XX/XX/2022. I am his father. My name is XXXX XXXX XXXX. I am in charge of his small estate. I have sent the required documents to the PNC bank to close the account and forward any remaining funds to me. I sent an original Certificate of death, The Colorado affidavit noterized naming me, and a cover letter to them in XXXX of this year. They are not doing anything but running me around. I mailed the items, per their order to PNC Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, Mail stop XXXX. I have called them weekly and now daily since XXXX. They are not doing anything, and I need this to get over. My number is XXXX. The bank will not let me talk to the department. I have to go through customer support and they are trying but nothing is happening. XXXX 's account number is XXXX XXXX XXXX. I am at wits end and need help. Thanks, XXXX
Company Response:
State: WI
Zip: 540XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I held a credit card with BBVA Compass Bank before they were acquired by PNC. I regularly paid my bills via automatic debit. Not long after PNC acquired BBVA, my credit monitoring service alerted me that my account had been closed, but monthly payments continued to come out of my account. I called multiple times and spoke with several people to have the issue resolved, because I was still paying but my credit had dropped sharply due to my account being closed without notice. By the time someone got back to me without hanging up, I had left my job for a XXXX XXXX and was no longer earning an income. I spoke to an agent who informed me that due to my new financial position, I could pay no interest for a year and after a year, my interest payment would be lowered from 29 % to 4 %. I was told that someone else would reach out to me once everything was set up. I also authorized PNC to continue to debit my account for the monthly payments with the newly lowered interest. Not only did I never hear back from anyone, PNC reported my account as a charge-off. Because of this, I was denied the XXXX XXXX XXXX that I received last year and am having extreme hardship financing my education. I understand that many business are short staffed during this time, however as a young XXXX XXXX XXXX I feel as if my account was purposefully closed because it wasn't as valuable to PNC and this has put me in a difficult position, and this very negative mark on my credit will affect me later on
Company Response:
State: KS
Zip: 66604
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and Im writing in regards to account number XXXX XXXX XXXX. Ive reached out to PNC on numerous occasions to dispute three fraudulent accounts ( 2 loans and 1 credit card ) that were opened without my consent and knowledge. These loans were then funded to bank accounts that were also opened as results of identity theft and have since been closed. Each time someone calls me and then I dont hear from them again. I then receive letters stating that they cant process it do to payments being made from accounts, which were the same accounts the fraudster ( s ) opened to acquire these loans. Ive since closed accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX as well as couple XXXX banks. Ive reported the theft to the proper authorities and federal government however PNC still has yet to dissolve me of any of the balances and still attempts to collect on these fraudulent accounts violating my rights to a fair and just resolution. Im preparing to file a lawsuit siting numerous violations and an unwillingness to resolve this issue. If you all would like to discuss this urgent matter I can be reached at XXXX or XXXX XXXX
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I closed my checking bank account with PNC bank recently. Today, I got an email from PNCBank that a new statement is available ( perhaps the last statement ) online. When I tried to log in online, my login is diabled ( understandable given my account is closed ). However, when I asked the customer service for a copy of my last statements, I was told that there is a fee {$5.00} for duplicate statement. I tried talking to them that there is no other way I can access my statements but they told me this is standard policy. This is bad policy on part of a big bank who is badly treating the past customers. I want this to get highlighted ( and corrected ) if possible.
Company Response:
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check on Sunday, XX/XX/2022 at the atm location, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX. This is the atm located at my banks main office. According to the atm my funds would be available to me Tuesday, XX/XX/2022. This made sense to me since my original terms and conditions confirm that any personal checks written from another bank would be deposited on the business day after they were deposited into the bank. When I checked my balance on XX/XX/2022 my leger showed the funds had in fact been deposited but were not available to me to spend. I went to my local branch and spoke to an associate in the drive through she stated I would need to call the back office. She also told me that funds deposited into the atm took longer and encouraged me to deposit with a teller next time. I called the " back office '' number I was given the lady I spoke to on the phone explained to me that my funds had been placed under hold. When asked why she explained it was due to the amount of the check. According to my original terms and conditions as long as the check is not " equal or exceed XXXX '' then it would be the standard 24-hour hold. The check I deposited was XXXX. I asked to speak with a supervisor. I was told there were none available and that she would have someone call me whenever they were available. I waited after the call and got no call back I decided maybe I could talk to a manager at the bank to get something done. I went to the bank and was told there were no supervisors at the bank. They were on vacation but I could talk to a banker. I brought my original terms and conditions with me and spoke to the banker. She explained to me that the reason my funds were being held is that they were unsure if the other bank would honor the funds. The funds were already showing out of the other person 's account and in mine. I confirmed this with the person that had written the check. I explained to the banker that the funds were showing in my account and that I had spoken to the other person involved and the funds had already been taken. She then told me that despite them having the check and pulling the money from the other account they could not confirm if the funds had been taken yet so therefore could not make my funds available. She also mentioned next time I should use a teller for a faster deposit time. I left the bank location and came back home to wait for the call from the supervisor early in the morning. At XXXXXXXX XXXX after attempting to get an answer all day and waiting for a call I decided to advance in filling complaints and needed the FDIC number from the bank to lodge a complaint I called the " back office '' number again where I was reassured that eventually I would receive a call from a supervisor and told they had no idea what their FDIC number was. I believe PNC has violated Appendix C to Part 229 C-4 of 6500-Consumer Protection, Under laws, regulations, and related acts. According to this section of the FDIC federal laws and codes, the check should have cleared in 24 hours. Both banks were local banks and the check was not over the specified amount. I believe I am being penalized for using the atm since both of the employees at the physical bank mentioned I should have used a teller.
Company Response:
State: TX
Zip: 76543
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX on my pnc checking account, there was a charge for {$68.00} to XXXX XXXX that overdrew my bank account by {$46.00}. Later that day I made a {$50.00} transfer from my savings account that put my account back into the positives at {$3.00} and pnc bank charged an overdraft fee anyways even though their policy states that if the account is brought back to positives by the end of the day, no fee will be charged. They refused to refund the fee. From XXXX to current day, the account accumulated XXXX overdraft fees totaling at {$3600.00}, that would not have happened if that {$36.00} fee would have been removed. If that one fee on XX/XX/XXXX was refunded, and my account balance was adjusted correctly, XXXX of those fees equaling {$3600.00} would never have happened. They did agree to refund XXXX of the overdraft fees totaling at {$460.00} on XX/XX/2022. However they refuse to refund the remaining XXXX fees equaling {$3100.00}. We are somehow expected to feed our XXXX children and pay all our bills with no money because the bank refuses to correct an error. When I first opened my account, the overdraft policy was never explained to me. I signed their overdraft policy thinking it meant it would protect you from overdrafting your account but it wasnt until last week when an employee explained it to me that it does the opposite. We are trying to get our finances straightened out and its really hard to do when the bank took all our money.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is a continuation of complaint XXXX that was dismissed without resolution. PNC Bank has failed to assist in the recovery of funds that were fraudulently removed from my account by wire transfer. The issue right now is that the response from PNC does not include any requested information about their attempt to contact XXXX XXXX XXXX where the funds were transferred. All I was told by the person signing the below letter is that they contacted XXXX XXXX XXXXXXXX in an attempt to recall the transfer. PNC said that XXXX XXXX XXXX did not respond. I will be sending in another complaint about XXXX XXXX XXXX. When I asked the signer of the letter to provide me with the correspondence with XXXX XXXX XXXXXXXX, she refused and said I would need a subpoena. I lost {$25000.00} and they are not providing information! In the letter it says they recommend I contact law enforcement. This was done previously, and if PNC would have provided this vital information, perhaps the recall could have been made. I do not know if in fact PNC ever contacted XXXX XXXX XXXX and they did not perform their fiduciary duties. And if they did contact XXXX XXXX XXXX, why would they not share this with me, the victim, so I can share it with law enforcement. Here is the letter from PNC : XX/XX/2022 XXXX XXXX XXXX ( via CFPB and OCC Portal ) RE : Office of the Comptroller of Currency Case Number XXXX Consumer Financial Protection Bureau Case Number XXXX Dear XXXX XXXX XXXX XXXX This is in response to the complaints filed on XX/XX/2022, with the Consumer Financial Protection Bureau and on XX/XX/2022, with the Office of the Comptroller of the Currency regarding your PNC Bank , XXXX XXXX ( PNC ) Performance Select checking account ending XXXX ( the Account ). Thank you for taking the time to speak with me on XX/XX/XXXX and XX/XX/2022, regarding your complaints. I appreciate the opportunity to address your concerns. In the complaints and during our conversation, you stated that you were a victim of wire fraud. You stated that a scammer posed as a trusted source and instructed you to send a wire for the money owed. You stated that on XX/XX/2022, you initiated a wire transfer in the amount of {$25000.00} ( the Wire ). You stated that on XX/XX/2022, you discovered that you were scammed and called your local PNC bank branch to assist. You stated that the bank made no effort to assist you with recovering the wired funds. You stated that you were able to get in contact with PNCs fraud department and you have not heard back from them since they filed a fraud claim on your behalf. You requested PNC refund the {$25000.00} and provide information about the delay in contacting XXXX XXXX XXXXXXXX to recover the funds. A wire transfer is an electronic transfer of funds from one financial institution to another at the direction of a customer of the institution initiating the transfer in accordance with Federal Guidelines. Funds are deposited directly into an account at the institution receiving the funds. Wire transfers are high risk transactions because funds are generally immediately available upon receipt and irrevocable once sent. The customer is responsible for providing complete and correct information to send a wire transfer and may need to verify wire information with the beneficiary. PNC reviewed your assertions regarding this matter and determined that PNC took the necessary steps to recall the Wire in a timely manner. Our records confirm that on XX/XX/2022, you visited a PNC branch and initiated a domestic wire transfer in the amount of {$25000.00} from the Account. As part of the wire transfer you initiated that day, you signed and agreed to the wire transfer terms and conditions ( Agreement ), agreeing to have the funds debited from your Account and sent to the beneficiary according to the instructions you provided. Our records confirm the Wire was processed as you instructed. Please note that PNC can attempt to recall a wire transfer when a customer reports an error or requests cancellation of a wire transfer, but cancellation of a wire transfer and recovery of wired funds may not be possible. Our records reflect that you contacted PNC on XX/XX/2022, to request a recall of the Wire. On XX/XX/2022, PNC sent a recall notice to XXXX XXXX XXXXXXXX. On XX/XX/2022, PNC sent a letter informing you that we are unable to recall the Wire. Our goal at PNC is to offer a level of service that exceeds our customers expectations and I apologize that your experience with this matter did not reflect this. We have shared your experience with the appropriate level of management. We understand that falling victim to a scam can leave you seeking additional information on how to report such activities. You may wish to follow up with your local authorities and file a complaint at www.IC3.gov in reference to your concern of being scammed online. Member of The PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Pennsylvania XXXX XXXX / pnc.com Thank you for allowing me to clarify PNCs position in this matter. If you have any further questions regarding this issue, please feel free to contact me directly at XXXX. I am available Monday through Friday from XXXX a.m. to XXXX p.m., XXXX XXXX. Sincerely, XXXX XXXX XXXX XXXX Executive Client Relations PNC Reference Numbers XXXX and XXXX Member of The PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Pennsylvania XXXX XXXX / pnc.com
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: This is a complaint against PNC Bank, which has failed to apply a statement credit in the amount of {$100.00} to my account. The facts are that prior to having a credit card at PNC Bank, I had a credit card at BBVA, which PNC acquired I believe in 2021. After PNC acquired BBVA, PNC closed my BBVA account and sent me a number of advertisements about getting a credit card with a {$100.00} statement credit after spending {$500.00}. One of those is attached. I decided to take their offer and spent more than the {$500.00}, see the statement attached. Despite qualifying for the {$100.00} statement credit, PNC refused to apply it. I have called them several times about this issue and no one there disputes that fact I should be paid. Particularly the case manager I spoke to : XXXX XXXX, see her contact info below. It has been months and it appears that they have no intention whatsoever of paying me. As such I regard their conduct as a scam. Their contact info follows : PNC Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX, XXXX, ext : XXXX XXXX, Case Manager : XXXX XXXX Please prosecute this complaint.
Company Response:
State: AZ
Zip: 85021
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am submitting this complaint on my own behalf regarding attempted debt collection activities from PNC Bank. Back in XXXX of 2021, I received a notice from PNC Bank stating that I allegedly owed them a debt. I have NEVER entered into any consumer credit transaction with PNC Bank. I sent PNC Bank a letter by certified mail with return receipt that they indeed received ( See attachments ) In XXXX of 2021. In this letter I asked them to provide me with debt validation pursuant to the FDCPA. In this notice I also told PNC Bank not to contact me by telephone. I gave them consent to mail me any correspondences ( see attachments ). To this date I still have not received debt validation which is a violation of the FDCPA 15 usc 1692g yet they continue to mail me statements and demand payment. PNC Bank is also in violation of 15 usc 1692d. I asked for them not to contact me by phone in my notice to them in XXXX. PNC Bank has continued to call my phone all throughout the day into the late evening. I've asked multiple reps to note the account for them not to call me but the calls have continued. One rep even told me they would call me until they received a written request, which I've done. I am a truck driver who works various shifts, their calls break my rest all the time which could be harmful to myself and others as I have to drive over the road, they call me at work and other times which are ALWAYS inconvenient for me which is why I told them NOT to contact me by phone. This is a violation of 15 usc 1692c. Because I know that I never entered into a consumer credit transaction with PNC Bank I asked them to provide me with documented evidence that showed my alleged indebtness to them, the original promissory note and a letter of sale or assignment from the " original creditor '' ( see attachments ) to PNC Bank, which again they have not provided. I am now submitting this complaint to the Arkansas Attorney General and any other regulators and legal counsel who will assist me in this matter as I have enough proof to move forward with legal suit for willful noncompliance of the FDCPA and seek damages.
Company Response:
State: AR
Zip: 72032
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A