Date Received: 2022-07-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was notified by XXXX that they could not debit my account on Friday, XX/XX/2022. I knew I had enough funds in my account to cover the payment. I called PNC and spoke with a lady named XXXX. She said my account was under investigation because of a wire transfer which posted to my account in XX/XX/2022. I told XXXX that I was working with the FBI on the transaction. I also told her I had paperwork to support the transaction. The sender got upset with me when there was a delay in the purchase of XXXX for the sender. I went on to explain to XXXX that I had to notify the FBI when I received a call from a gentleman named XXXX XXXX in FL who stated the funds were supposed to be sent to him and take a 10 % commission. I told him that I had an agreement with the FBI and that I had to notify the FBI XXXX XXXX XXXX because he was asking me to commit money laundering. I notified the FBI and made them aware of the issue. I tried to explain this to XXXX. She began to assert that I was lying. I gave her the XXXX XXXXXXXX XXXX name and email address. I did use inappropriate language in my call with her and demanded that my accounts be closed out.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: My original bank ( BBVA ) was acquired by PNC and the info on file did not transfer over correctly, which has left me without access to my account. I was told by a rep that there is NO credit card account under my ss number. I know this to be incorrect so I had been making payments via paper statements. Once those stopped coming in, I went to a physical bank location and was told that the SS # on file did not match mine. I submitted a copy of my ss card, as directed by the bank mgr, but it appears that my credit had been rerun on XX/XX/22 WITHOUT MY APPROVAL. Months later and the issue has not been resolved and I still do not have access to pay my account. Due to all this, I have not been able to make my payment. I have no physical way of paying, it was not due to lack of trying. My account is currently showing as late but this issue lies with the bank.
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: 16 days earlier than payment was due ( payment was due XX/XX/XXXX and recurring payment was setup on XX/XX/XXXX ), after receiving instructions from a PNC bank representative on a telephone call ( I called the bank for instructions ), I set up recurring payments to be withdrawn from my external checking account for the minimum amount due on XX/XX/XXXX, but the payment was never initiated by PNC bank, resulting in a late fee and late payment reporting.
Company Response:
State: NY
Zip: 11743
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Today, XX/XX/2022 I went online to check to make sure my XXXX was deposited. I logged into online banking with PNC and all of my accounts were gone and 2 of my sons ( I have 3 under my name Checking/Saving and MM - 3 under my sons which I am on ) Only my sons checking account was still there. I thought it was a glitch in the system, so I called. I was told that they only thing they could do was read me a disclosure that was VERY demening. Basically, they decided to close the accounts and that was it. The PNC rep was speechless, tried to handle it, but told me there was no information and that he had no where to transfer me. They would send checks to the house for each of the account, 3-5 business days.. So.. i am dead in the water, no access to ANY of my money and that is it.. I have looked online and yes, they have the right to close the account, but they are required to notify you. NOTHING FROM THEM!!! I was hacked about 4 months ago. Filed a police report and with the FTC. The policeman told me to contact him with anything needed. PNC denied the claim and I was out {$1400.00}, so I appealed.. that was 3 months ago. NO word on the appeal and now they just closed them without notice??!!!
Company Response:
State: VA
Zip: 22556
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX, PNC Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Late Payment Dates : XXXX, XXXX, XXXX - XXXX XXXX, XXXX, XXXX, XXXX - XXXX XXXX - XXXX
Company Response:
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: One of my checks was stolen out of the mail, altered twice and cashed twice in the same day. Neither bank noticed that the same check from the same account was cashed twice in the same day. Neither bank noticed that the check had been altered ( it is obvious if looking at the low resolution black and white image of the canceled check, for both instances ), and the endorsing name did not even match the altered payee names. This happened in XX/XX/2022. I noticed because I got a late notice from my mortgage lender that I was late in paying them. I sent all the requested documentation ( images of the canceled checks, notarized affadavits ) to PNC on XX/XX/XXXX. I followed up in XXXX, and was told they never received the documentation. I sent again via email on XX/XX/XXXX. PNC verified they had what they needed. PNC says they forwarded to XXXXXXXX XXXX by XX/XX/XXXX. PNC has not, until today returned any of numerous phone calls or email follow ups to find out where this is. Today, they told me XXXX was supposed to contact me directly, but gave me no contact at XXXX to follow up with. I just want my {$2000.00} restored to my account.
Company Response:
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. Thank you for your assistance. Sincerely, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: This is regarding a 2nd Draw PPP loan originally with XXXX XXXX ( acquired by PNC Bank in late XXXX. ) PNC Bank is using an erroneous definition of maximum loan amount for XXXX XXXX owner-employees and therefore only applied for partial forgiveness of my PPP Loan with XXXX. I corresponded with PNC Bank 's PPP loan specialists primarily throughout the month of XXXX. They took a position and didn't consider the information presented regarding their erroneous interpretation of XXXX guidance ( FYI- I'm a CPA with over 30-years experience in tax an accounting matters. ) Rather than look into the matter, they just kept informing me I could file an appeal with XXXX if I didn't agree. Their position was that for XXXX XXXX owner-employees, health insurance was not included in cash compensation or " gross wages '' and didn't count for purposes of determining the maximum loan - therefore XXXX 's loan to my XXXX XXXX was greater than the maximum allowed and the excess did not qualify for XXXX forgiveness XXXX The salary amount was small ; no were near the maximum salary threshold, meaning health insurance should have been included in determining " gross salary '' and/or cash compensation in calculating the maximum amount that can be borrowed. References : XXXX 's : Paycheck Protection Program " How to Calculate Maximum Loan Amounts - By Business Type '' dated XX/XX/XXXX and also their " Second Draw PPP Loans : " How to Calculate Revenue Reduction and Maximum Loan Amounts Including What Documentation to Provide '', as of XX/XX/XXXX.
Company Response:
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX, I submitted a consumer complaint ( XXXX ) regarding a cashier 's check in the amount of {$17000.00} that was issued by XXXXXXXX XXXX XXXX Prior to me depositing this cashier 's check XXXX had been acquired by PNC bank. I went to PNC bank in early XXXX to cash this cashier 's check and I was told by the teller that the cashier 's check had been cashed even though I was holding the Cashier 's check in my hand. The teller and the manger at the bank both confirmed that I have a valid cashier 's check in my hand but since it shows cashed in their system they can't help me and that's why I filed a consumer complaint on XX/XX/XXXX On XX/XX/XXXX XXXX XXXX, Executive Client Relations Bank Officer from PNC Bank reached out to me via email and left her phone number. I called XXXX back on XX/XX/XXXX and received her voicemail which I left a message. This back and forth phone tag continued until we were able to connect on XX/XX/XXXX. During this conversation, XXXX requested the Cashier Check documents which my assistant sent over to her on XX/XX/XXXX so she could begin her investigation. I emailed XXXX again on XX/XX/XXXX and stated that I was following up from a few weeks ago as XXXX had stated she needed more time to research the teller transaction date and I was requesting an update. XXXX responded to this email on XX/XX/XXXX and she apologized for the delay but she was still gathering info and would follow up by the end of the week. XXXX did follow up via phone call that week ( XX/XX/XXXX ) and said she had some updated transaction data-routing number from a XXXX XXXX XXXXXXXX transaction that she would email over to me for my review. On XX/XX/XXXX I emailed XXXX again and told her per our call last week, you stated you would send over the updated transaction data-routing number and I have not received that information, please advise. On XX/XX/XXXX I reached out to XXXX again via email and stated that I have not received the transaction information nor have I received a response from my email that was sent on XX/XX/XXXX. Today is XX/XX/XXXX and despite my many attempts to reach resolution, I have not heard from XXXX since XX/XX/XXXX. None of my emails since XX/XX/XXXX have received a response and all communication from XXXX and PNC bank has gone silent. I submitted my original complaint on XX/XX/XXXX and now 3 months later there is no resolution, no communication, and we are in the same place we were 3 months ago which is why I'm resubmitting my complaint. I am aware that PNC has closed their case with you as of XXXX, without notifying us or providing us with the documents they stated they have for us ( we had open dialogue so there was no reason for them to close with you without notifying us, I do not believe they have sufficient documentation ). We have made several requests for these documents and they have not been provided. If PNC is not able to provide documents/proof of where this money went, then they need to pay me the {$17000.00}, that I have NOT received. As I stated before, when I walked into PNC bank in early XXXX, I had a valid cashier 's check in my hand and although their system is stating it's been cashed, they have to have transactional records of where that money went and as of today, they are not providing any information as to where this {$17000.00} has gone. Please Advise
Company Response:
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: Responded to an offer on XXXX for the sale of 2 used carports Seller indicated they were a business specializing in reselling carports that had been repossessed. 2 transactions were made using XXXX through the PNC mobile banking app. XX/XX/2022 {$700.00} XX/XX/2022 {$270.00} Installation was supposed to occur on XX/XX/2022, seller contacted me to advise that their crew was behind schedule due to storms in their area slowing work and would not be able to attend until the next day XX/XX/2022. The next day they contacted me to assure me they would personally {$100.00} off the cost of each carport if I would allow them to install the carports on XX/XX/2022. This back and forth with the seller contacting me to advise it would be the next day and the next. I advised the seller I was cancelling my order and wanted the money refunded on XX/XX/2022, seller advised that they denied the XXXX transaction and the money should be refunded in 1-2 business days. Due to the way the interaction had been going with the seller I went to my bank to file a complaint about the transactions, I was advised I would have to speak with their XXXX complaints department, they made it clear from the onset of the call that it was likely they would not reverse the transactions and on XX/XX/2022 I received a letter from PNC indicating this was the case.
Company Response:
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A