Date Received: 2022-07-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I received a text regarding suspicious activity on my debit card. The text included a phone number to call and asked to provide personal information to unfreeze the account. The text was a phishing text. The date of the incident was Sunday XX/XX/2022 at XXXX the number was XXXX. The text read ( Call XXXX ) PNC - Unauthorized activity on your accent. Notice ID XXXX
Company Response:
State: PA
Zip: 15210
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: Banking errors
Consumer Complaint: In XXXX, I brought a copy of a check for XXXX XXXX cookies that had cleared the bank for {$550.00}. This check had been altered to make it payable to someone who had died months before, and the original amount was changed from {$50.00} to {$550.00}. As of today, the funds have not been returned to my account. Ive followed up with my bank about reversing the fraudulent check & was told the there is no time frame for resolution because the bank of first deposit is the liable party for the reimbursement, and they have an unlimited amount of time to respond to the request.
Company Response:
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I matched with an individual on the dating app XXXX claiming to be someone who is in my local area and going to my local university. We began texting in which they then confided that they were actually XXXX. I did not immediately cut them off, messaging them that the situation was strange, feigning interest so I could let this person I perceived was real down easily when I would cut them off the following day. Instead, I got a text claiming that it was the individuals father and that they had gone through her phone following a XXXX breakdown and XXXX attempt and found our text messages, and were considering contacting authorities. Following my reply in which I stated I was interested in speaking with the authorities, I received a phone call that had the caller ID information of my local police department, down to the actual phone number used in non-emergency situations being listed as the phone number. The man on the other end of the line said they were with my local police department, and if I knew the individual in question, proceeding to tell me my actions in communicating with someone under XXXX was illegal. They then said if the family handled matters externally from the police department, and did not opt to file charges, then a warrant would be issued for my arrest. The phone call ended there. I then began texting the father of the individual I had matched with, who expressed that they would cover half of XXXX and XXXX costs in exchange for me covering the other half, and they would not press charges if that occurred. I was then once again contacted by the police who reiterated that if I did not handle things with the family, I would have a warrant issued. After that phone call ended, and now that I was sufficiently panicked, I sent money via XXXX to the email address they provided, with the last message I received from them being a message declaring they received my money.
Company Response:
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Beginning on XX/XX/XXXX there were fraudulent charges that appeared on my debit card account with PNC. As soon as I noticed the charges I reported them to PNC. The charges were made in geographic locations FAR from my home that I have never been to in my life. I DID NOT LOSE my debit card, I still have it in my possession. I filed a police report as instructed. The accounts summed to roughly {$3900.00}. PNC has refused to reimburse me even though THEIR system was hacked. When I logged onto my account after seeing the fraudulent charges, someone had added an authorized phone number on my account. I have proof I was at my job in XXXX at the time of the purchase. I have proof the card was still in my possession. PNC told me to reopen my dispute I needed to travel to the location where the fraud took place and retrieve security footage to prove I wasnt the one who made the purchases.
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Returned my rental car. XXXX kept charging me and telling me I hadn't returned the car. So, they couldn't find a car I returned to their lot. I had a 6am flight out of XXXX so I had to drop the car off at 4 am, left the keys in drop box. A week later, I see a debit charge from XXXX. I call, what a nightmare, on hold for 30 minutes, they tell me I still have their car. I flew from XXXX to XXXX XXXX It was their way or the highway. eventually, they found the car and refunded the amount. After this experience, I asked for a new debit card from PNC bank so XXXX wouldn't have carte blanche on my account. So, new debit card... then, 2 months later, another charge from XXXX. How they did this I don't know. I called PNC, another nightmare, to dispute transaction. Weeks later, I get a notice from PNC saying they decided for XXXX. I asked what documents they used to make their decision. They said " XXXX sent us a receipt with your name, address, and account number. '' Do you ses the ridiculousness of this? Anyone who has had previous access to this information can use it. PNC was supposed to determine if this was FRAUD!!!! This entire incident has felt like a Twilight Zone episode. Has made me never want to travel again. The incompetency is bewildering. I had to CLOSE my PNC account to keep XXXX from withdrawing money from it. Of course now PNC is sending me to collections for not paying XXXX 's fraudulant charges.
Company Response:
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ive been trying to dispute an item on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to consider the possibility of litigation.If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. PNC MORTGAGE XXXX Late Date XX/XX/21
Company Response:
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, I made an international wire transfer from my PNC account for {$10000.00} to be paid to my wife who was traveling to XXXX with my XXXX kids on the same day. They were in need of money for their travel XXXX. As I was making the transaction, I had some thoughts whether I should go to the bank directly or I could work from my lap top. Because of the convenience, I chose the online service from my personal account. I confirmed the wire transfer when the system told me the funds would be available on or before XX/XX/2022. Till XX/XX/XXXX, when there was no deposit made to my wife, with worries, I personally made a visit to the local PNC Bank in XXXX, XXXX XXXX, PA and met the manager to find out the status of the transfer. I was told, wire transfer done with personal online account may take 2 weeks at least. I wish the system warned me this info, to make alternate plans. After the deadline of XX/XX/XXXX was over, worries about my family kept bothering as they were in need of money. I contacted the wire transfer desk of PNC on XX/XX/XXXX ( Eastern time approx between XXXX to XXXX ) and told the urgency of sending the money to my family. The consultant told me the money is held in XXXX in a bank in XXXX ( XXXX XXXX ) and he didnt know the reason for the hold. I pleaded with him to contact the XXXX XXXX over the phone and solve the issue immediately, but he kept insisting, PNC will create a case number ( XXXX ) and contact the bank. He also mentioned to me, the transaction takes usually 10 business days, and starting from XX/XX/XXXX for my first business transaction day, the money perhaps would be despited on XX/XX/XXXX or might take additional XXXX weeks. On XX/XX/XXXX, evening around XXXX, I went to my personal PNC bank at XXXX and I met an agent. I told him about the need to speak to the manager, but as the manager had gone for the day, I briefly told the issue about the wire transfer to this agent. He took the information and told me, the manager would contact me the next day ( XX/XX/XXXX ). There was no contact from the bank and my worries led me to make another trip on XX/XX/XXXX to the bank. This time I was able to meet the manager and pleaded with the manager to help solve the wire transfer status, but unfortunately he kept telling, only the PNC wire transfer desk had to solve this issue. He mentioned had no authority as a manager to make any steps to solve the issue even though I told him, I am being the customer of his bank, someone has to take a leadership role and call the bank in XXXX to expedite the process. He was also not willing to document the complaint I was bringing to his desk. He also brought his assistant manager, but she also could not help with the wire transfer. This was deeply disappointing to me to understand the lack of customer care from PNC in these situations. With more and more worries, today ( XX/XX/2022 ) I made a couple of contacts with the wire transfer desk of PNC, intially at approximately XXXX PM with one consultant and after waiting for XXXX minutes or so the called dropped. I could hear his voice but he could not hear me and he cut the call after few attempts from his side to get my answer. I made a second attempt and a different agent came this time around XXXX and again I had to go through the full cycle of communication including holding the line as he was making enquiry of the wire transfer status. Finally, he told me, the transfer was on hold because the bank in XXXX wants to know my relationship to the recipient ( my wife! ) and also the purpose of the transaction. I had to tell him it is for my familys traveling expenses in XXXX. I also informed him all these informations were given to the consultant on XX/XX/XXXX when I made first contact to the wire transfer desk. It is my understanding, this was probably not documented by the consultant on XX/XX/XXXX and that is why this last wire transfer consultant was asking me the reason for the transfer. Further, he told me it is dispute now and it may take another 90 days to solve the transfer. I felt helpless as it was as if someone is adding salt to the wounds with utter lack of sensitivity to a customer. He could explain satisfactorily, when I told I would not have made this transaction, had I known, these problems would occur. He also had no answer for the system informing me the wire transfer would be completed on or before XXXX. It is my understanding, the PNC customer service is poorly designed at every step for international wire transfer with personal accounts. Further, there is utter lack of sensitivity to a customer and lack of leadership efforts by each one of them I interacted. To this day no money has been paid to my wife.
Company Response:
State: PA
Zip: 17036
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The Credit Card At requires issuers to apply the excess payment portion of your credit card payment. After that, the remainder generally must be applied to the other balances in descending order, based on applicable annual percentage rate, according to the law. This is not how PNC is handling its credit card payments. PNC states in its account terms that it applies balances to purchases based on its sole discretion. I currently have 3 separate balance transfers tied to one card, each with different end dates. One promotional period ends XX/XX/XXXX, the next XX/XX/XXXX, and the remaining balance transfer promotion period ends XX/XX/XXXX. My XXXX Statement showed a balance of around {$400.00} on the oldest balance transfer due by XX/XX/XXXX. I paid {$900.00} that month and instead of applying the payment towards that oldest balance PNC is applying to the balance transfer due much later in an attempt to still charge interest on the initial balance transfer once it ends. From my understanding the payment should be applied towards the original balance transfer amount and not the newer balance transfer.
Company Response:
State: NC
Zip: 28405
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PNC Bank has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by PNC Bank before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or PNC Bank to furnish any late payments to my consumer report. It is my belief that due to PNC Bank 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Here are two e-mails that were sent to their CEO describing the complaints and follow-up issues : Sent on XX/XX/XXXX I have been PNCs customer since XX/XX/XXXX when my accounts got transferred from BBVA Compass . Since then, I experienced numerous problems with your customer service and most recently, have been locked out of my online banking account for more than two months with no resolution to this day. Two months ago, when talking to mortgage department, the representative did something on her end which got me signed out of my account and did not allow me back in. Since I did not have a phone number listed, she told me she was going to mail a PIN number via regular mail. I never received it. I spent 2.5 hours on the phone with PNC on Saturday to add two cell phone numbers to be able to reset my password. One phone ( that I used for 10 years ) was not recognized by your system as a valid number. I provided the second one and received a text from PNC on it. The code was provided back to your representative and it appeared that the number was added to my account, but since then, I am still unable to go through the password reset Online and keep getting a message Our records indicate you haven't registered a phone number to allow us to verify your identity when resetting your online access. Altogether, I spent close to 5 hours already trying to have this fixed. PNC has no right not to provide me with an access to my money, not see what is happening with my accounts, and be unable to view my mortgage activity. With respect to the mortgage, I had some additional issues. When my payments went up in XXXX, I contacted PNC and learned that escrow analysis done by BBVA compass prior to transfer never notified me about upcoming shortage and never provided me with options to either make a one-time payment or distribute it over 12 months, with interest. I paid the remained in full at that time and my statements went back down. Then again in XXXX I noticed another increase. When I contacted PNC, I was told it was another shortage due to insurance rate increase. However, PNC failed to notify me about it, did not provide me with an option to make one-time payment on time, and proceeded with distribution over 12 months without my consent. I made one time payment again and was told an escrow analysis will be completed and I will receive the results what the new payment would look like as well as get reimbursed for the amount I was wrongfully withheld because of the failure to notify me of shortage on time. Since I have been unable to access Online banking, I was unable to verify what was happening with my payments and if they were lowered after the payment. I also never received results of any escrow analysis. I expect both of these issues to be resolved immediately to allow me proper access to my accounts/money. I will not hesitate to take further actions against PNC if my access is not restored promptly. If your company has problems with verification via phone numbers, you should have an option for customers to use their registered e-mail instead as cell phones are unreliable ( can get lost/stolen, cell towers go down, etc. ). Sat, XX/XX/XXXX I am following up on my earlier complaint. It has been three months since I was deprived from my access to online banking, as I explained. I 1. As a customer, I have every right to have access to my account at any time. PNC failed to provide me with that while demonstrating the upmost incompetence and unfamiliarity with its own online banking system. I have heard numerous, inconsistent excuses ( no phone on file, no debit card, etc ) with no resolution as of today. Meanwhile, while for some reason PNC is unable to deliver PIN in regular mail, it has been spamming me with other letters, such as the attached three that arrived within one week ( dated with exact same date ). As I have not had access to my account for 3 months, whatever changes were implemented were occurring of someone elses unauthorized access. Back 3 months ago, when I noticed a strange phone number on my account, I told the customer service representative that it was an unknown number and I wanted an investigation into how it appeared in the first place to make sure there was no security breach. My request was ignored. Given repeated concerning signs in the last 3 months, I expect that within 10 days, PNC provides me with an electronic copy of the full access log that demonstrated dates/times of any access to my account along with IP address locations and entities. I also request an investigation into where the original questionable number that was removed 3 months ago appeared under my account. 2. When my account was transferred to PNC from BBVA compass, I was supposed to have access to the same banking features as I had at BBVA, including a debit card. However, PNC never provided me with one. I expect that it is mailed to me immediately. 3. Since my transfer, there have already been 3 incidents related to my escrow account, including : 1 ) increase in monthly payments due to BBVA/PNC failure to provide me with escrow analysis and a proper option to make an informed decision regarding one-time payment of the escrow shortage vs. distribution over 12 months ; 2 ) failure by PNC to notify me about another analysis and shortage due to insurance rate increase in XXXX ; and 3 ) failure by PNC to conduct another escrow analysis and properly reduce my monthly payment after I made a one-time payment in XXXX ( cant provide an exact date as have no access to see transactions ). As the result I continued to pay more. XXXX has investigated this and told me that the difference was going to be credited back to my escrow account, but I have no way of verifying it until my online banking access is restored. I would like written guarantee that in the future PNC will properly notify me of any shortages and will give me an opportunity to make these decisions, as I am entitled to as a customer.
Company Response:
State: FL
Zip: 32606
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A