Date Received: 2022-07-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX of XXXX, I discovered that my funeral trust fund in form of a CD with PNC Bank was closed in XXXX of XXXX by the bank due to inactivity, as stated by the bank. The CD had a balance of {$9400.00} at the end of XXXX, which is when PNC closed the account, unbeknownst to me. The funds were sent to the Department of Revenue. I have had this funeral trust CD with PNC Bank for more than 25 years, and it always was automatically renewed. I, nor the funeral home ( XXXX ) who is listed as the trustee, were ever notified by mail, email or phone call, that the bank was going to close this account, which according to them was closed due to lack of activity. It's a funeral trust! On XX/XX/XXXX, XXXX XXXX XXXX submitted a claim to have the money returned to me. After hearing nothing, on XX/XX/XXXX, I checked the status of that claim and found it was closed due to the fact the funeral home failed to supply the required documentation! So on XX/XX/XXXX, I filed a claim to have my money returned to me. I provided all documentation XXXX requested and had email communication with them. On XX/XX/XXXX, I received a response back from XXXX that stated my CD account should never have been closed and that the money shouldn't have been sent to XXXX. It further stated XXXX contacted PNC Bank and requested that they take back the funds for the funeral trust. It further stated it would take some time to process the return. I had not heard anything from PNC Bank so on XX/XX/XXXX, I had my daughter take me to a branch of PNC in XXXX, Wisconsin to ask where things were at. I learned that nothing had been done to get these funds back and the woman I spoke with, XXXX, made some calls. She had us on speaker phone when she made the first call and the woman on the other end of whom she called told her to take the call off speaker phone. So my daughter and I had no way of knowing what was being said. We were then told by XXXX that this had to be handle by branch support and I had her take my phone number as well as my daughters, to call and let us know what will be done or needs to be done when she found out. On XX/XX/XXXX, I had not heard from anyone at the bank and had my daughter call XXXX back to see where things were at. XXXX stated to my daughter that it was my job to call the probate team and start the process. XXXX NEVER gave us any phone number, name or any contact information to have me start this process that day in the office. XXXX stated that she would call me when she found out what needs to be done as she didn't know the process of how to proceed with this. My daughter stated that she believes this attempt on the phone call to XXXX will not result in getting my money back to me. She said XXXX didn't seem to care. My daughter has now submitted another claim in attempts to get MY money returned to me from XXXX. I am XXXX XXXX XXXX and this has caused me so much stress that is effecting my health. How do I get my money back that was Illegally taken from me? Please help me get my money returned to me. Sincerely, XXXX XXXX
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My husband and I have a joint Checking and Savings account with PNC bank for over 2 years. On XX/XX/2022 we obtained 4 {$16000.00} checks from a relative to 4 different family members as a gift, we deposited the checks into our bank account with PNC. The checks bounced due to insufficient funds as an error on our relative 's behalf due to a deposit on his end not yet clearing. The checks were sent back to us from PNC via mail. On XX/XX/2022 we re-deposited the EXACT same checks that we received in the mail now knowing there was sufficient funds. On XX/XX/2022 at XXXX an automated e-mail from PNC alerted us to the fact that there were {$0.00} funds available in our accounts. We immediately called PNC to clarify, they stated they could not tell us why our account was now frozen and we are unable to access any of our funds. We expressed our concerns due to no one making us aware of any issues and that I was paid by my place of employment that morning and have no access to my funds to pay bills. We were instructed to call the fraud department which was closed at that time. XX/XX/2022 My husband took time off from work to arrive to a bank 's physical location and spoke with bank manager at the XXXX location. He was made aware that the checks could not be deposited due to an inaccurate/ missing signature which triggered a fraud investigation. He was informed by PNC the only way to resolve this issue was to receive certified checks from our relative in order to un-freeze our account and that this was the only way to access our money. He was told that our money would remain " on hold '' until we provided the checks and we needed to tell PNC exactly when we would arrived with the checks. XX/XX/2022 My husband took more time off from work to arrive at PNC bank with certified banker 's checks from our relative 's bank ( XXXX XXXX ), all in the same amounts as previous ( 4 checks, {$16000.00} each to all the same family members ). We were informed that PNC needs 1 business day to process a certified check and because it is Friday we will not have access to the entirety of our funds until Monday XX/XX/2022. XX/XX/2022 My husband received a call from PNC and informed they will need an additional day to open our account. We were informed that money can come into our account but no money could come out of our account. My husband expressed many concerns of bouncing checks and late fees that we are now incurring due to the delay. He was told we are not allowed access to any funds until the certified checks are cleared. XX/XX/2022 We were again called by PNC and informed they will now need until this coming Friday XX/XX/2022 due to it being " under review '' to open our accounts and we will have no access to our funds until the " fraud '' investigation is completed. We questioned why the signature was rejected as this is a relative of ours and has been signing checks the same way for 50 years. We informed PNC that our relative 's name is a junior and his father is a senior with identical names and asked if there any way PNC possibly confused the two individual relative 's signatures thereby causing this issue. PNC denied any speculation. We requested to withdraw our funds at this point. We were told we could " only '' access funds in our savings account approximately {$3600.00} and not our checking account where the majority of our funds are placed ( well over {$60000.00} ) even though certified checks were given on XX/XX/2022. We again stated that they only required 1 business day to deposit a certified check and are now stating they need 5 business days to open our account and will only do so on a Friday leaving us powerless to do anything of value if anything goes wrong with the impending weekend. We expressed many concerns about multiple bounced checks at this point, late fees and MOST importantly how this would affect our credit. We were told there is nothing we can do to access the majority of our funds but sit and wait. We requested the entirety of our funds ; however, we are only able to receive approximately {$3600.00} from our savings and are withdrawing it today as this is the only money we will have available for us to pay bills and live off of until the rest of our funds are released. Additionally we will not have access to any money or paychecks that get automatically deposited into the account leaving us in a further difficult situation with bills and automatic payments.
Company Response:
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hi, my name is XXXX XXXX and I have a joint bank account with my mother XXXX XXXX. Around XXXX the PNC Bank mobile app and website was not letting us log into our accounts. The next day, we were able to log back in and saw that all of our money was gone. I called PNC bank and they told me many people were hacked that day. They told me they couldnt do anything over the phone and told me to contact the police. I contacted XXXX Police Department and they told me they couldnt do anything until PNC bank wrote them a letter confirming that our money was missing. I went to the bank and I was told I no longer needed to involve the police and that they would do a dispute to return our money. When the dispute was done, we received back our {$3600.00}. This month PNC reversed the dispute done in XXXX and said my mother and I needed to repay them the money that was returned to us. They took my mothers paycheck of {$1100.00} out of our account and they also did a fee of {$72.00}.
Company Response:
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022, I received a call from XXXX XXXX and XXXX XXXX PNC, of XXXX XXXX ( XXXX ) XXXX, asking to verify transactions and personal information due to fraud alerts, at the time I was traveling and on another call so I answered and proceeding since they identified themselves as PNC. Shortly after my U.S. Treasury check from the VA was stolen after several fraudulent transactions. The hackers changed my personal information via online banking. New acct numbers were issued on the XX/XX/2022 and I was told it would around the XXXX before I could recover the other half of my check. After the old bank card was closed, the bank allowed my account to overdraft past a current XXXX balance of {$1300.00}. It is past the disputed 10 day window of the XXXX or XXXX of when I was told I was have my remaining XXXX that was on hold. My payroll deposit was {$3200.00} on the XXXX, they were able to reverse XXXX, I only made XXXXwo of the transactions of about XXXX in total, I am yet missing the XXXX which includes my rent and other bills. I am making this complaint because I believe it to be insider fraud for the perpetrators to have had access to my bank card and pin code while it was in my possession. Even after the old accounts were closed the pending fraud charges were allowed to post. If I had overdrafted my own account I would not have been able to process {$4000.00} from a closed account with a XXXX balance once fraud was reported. The Account Takeover Team were extremely rude and non cooperative through this ordeal. They refused to allow my calls to forward to supervisors and one female agent snapped at me that they are the supervisors so there isn't anyone they can forward me to. I went into a PNC branch in ILLINOIS today where I was informed that several other PNC customers ' accounts were also hacked around the same time and each in excess of several thousands of dollars. It is very irresponsible of PNC to not do a better job of due diligence and providing better protection of their customers. I filed a Police Report with the XXXX, IL pd regarding this issue but am at a lost for thousands and the inconvenience of not being able to pay my creditors has cost me more than what was stolen to the point I wish my treasury checks could come via mail because at least I'd have adequate protection with check in hand rather a bank I can not trust to conduct business with. The trust has been broken and I don't think it can be repaired. I hope no other consumer has to suffer such devastation that could all be avoided. To think that PNC sends alerts to your email accounts displaying your balance, deposits, etc. Even if my email was hacked they should not have been able to see banking business to tempt them into hacking the banking network. This came after travel home to Alabama for a funeral in which I passed through Florida on the way bk, but for the week of my stay I did not use my bank card which was on me the duration of vacation. There were somewhere between 15-20 charges that were not mine. As soon as the ATO team saw my card that was in my pocket was being burned up they could've have frozen my acct plenty of time in between this. I'm holding PNC Bank responsible along with the hackers who have no moral code. If anything I was under the assumption that FDIC provide some protections that allow for the bank to disperse refunds when a customer experience a loss to prevent their lives being put on hold along with the bank account! I would expect the U.S. govt to take this just as serious as someone reaching into my mail box to retrieve my treasury check from the IRS.
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an active account with PNC Bank, NA When my daughter was XXXX, I opened an account for her, with me being the primary. Like a student account, I can see her data, she can not see mine. Like a custodial account. My daughter, XXXX, is now XXXX XXXX XXXX and on her own. Last week at some point she started a job ( remote ), and ( suspected ) got scammed by that " business '' where they direct deposited {$2000.00} ( her first paycheck ) into her account, then asked her to connect their external account to hers for future deposits. Then they asked her to send back a partial amount for future disbursements or something like that. To me, an obvious scam. The her? Well, she didn't know better and got stuck by these frauds. PNC Fraud Detection caught this and locked all related accounts Because our accounts are associated, PNC locked her account, my account, and also my business account while they " investigate ''. My daughter lives in North Dakota, moved there last XXXX. There are no PNC banks there, is waiting on her new debit card, so she has no funds. When her initial deposit of {$2000.00} occurred, she used XXXX to access her funds by sending it to her fath0in-law. All of these above accounts are showing a XXXX ( {$0.00} ) balance, and they will not tell me what is going on. The issue now is 1. I can not make payroll for my business staff 2. I can not make ACH payments weekly on my line of credit 3. I can not make payments on my newly refinanced ( through XXXX ) business loan. 4. I'm now in default in a lot of areas. PNC could give a XXXX... They will not return my calls, they will not tell me what they are doing to help me as my business is losses and delinquencies are mounting. They have not offered or taken my suggestion on simply opening a new account for each, so we can have our money that is in the accounts. My personal had over {$3000.00} My business account had over {$6000.00} PNC is not taking my calls, and when I do get through, I have to go over the entire situation again like talking to a brand new out-of-high-school " agent ''. And they are running defense so I do not get to the Investigations department to find a remedy. It has been almost a week without funds and I am being forced to use the PNC Credit Card to make any sort of transaction. This is obviously in their favor because I am being charged interest on a card I am being forced to use. Needless to say I am furious. On their end, nothing but 'have a nice day '' or weekend, while they have the weekend off, and I have no one to call. I see now why people turn to violence. I plan to sue for all damages since I will be getting my credit destroyed, and my business foreclosed or seized. I worked for the past four years rebuilding my credit to a respectable XXXX points, all for nothing. But Me? I have no options whatsoever. I understand the error was caused by my daughter, but why seize my accounts? No answers from them. Why can't I simply open a new account and transfer WHAT IS MINE, into that new account? At the very least, my business account for now. I am already getting emails stating my card was declined, the ACH was declined, etc. Have I been targeted as an individual? I feel like what's happened in the past with my business is part of my continual misfortune. Maybe I should just vanish, I'm not going to ever be successful after giving my entire life to small business.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received a call from my bank 's phone number saying that someone tried to take {$2500.00} from my account and that they needed to transfer it back into my account. I did not give them any information they had access to all of my accounts and proceeded to remove the money from my account using XXXX. There was nothing I could do to try and cancel the transaction and my bank said it is unlikely that I will get the money back because it was a XXXX transaction, even though I did not authorize the transaction.
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX. XXXX. Got a phone call of someone pretending to be our utility company about to shut off power due to non-payment of last XXXX bills. They knew our address and amount of the XXXX bills. Long story short, talked us into paying the XXXX bills ( XXXX combined ) and an additional payment of XXXX. We paid this via the XXXX button in our online banking app, to a person named " XXXX XXXX ''. Shame on us. We called the bank while the transactions were still in " pending '' but they wouldn't do anything. Subsequently, we made a dispute claim XXXX XXXX, made a police report, and are trying to talk to XXXX fraud department that handles our bank, but so far are on hold, 1+ hours as I write this. We didn't know XXXX is like cash and offers no consumer protection. We thought since we were using it THROUGH our bank website that there was some protection and/or ability to reverse while still in pending. Then I learned that a consortium of banks invented XXXX! Now I'm not trusting my bank so much... The bank won't help because because the federal law protecting consumers from the theft of their funds applies only to " unauthorized '' transactions, and we authorized these transactions. But, I learned that in XX/XX/XXXX, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent XXXX transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. I always loved my bank- now, not so much...
Company Response:
State: MI
Zip: 48309
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Around the middle of XX/XX/2022, I made contact with a representative of PNC Bank, XXXX XXXX PNC Mortgage Loan Officer XXXX # XXXX and inquired about refinancing a mortgage with PNC in order to remove my ex-spouse from the mortgage. I entered into discussions with XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX Loan Officer XXXX # XXXX as to the possibility of obtaining a HELOC for the purposes of paying off the mortgage with PNC if I had enough equity in the property which was not my property of main residence. Based on those discussions I removed {$50000.00} from my retirement savings and paid down the mortgage to a level that was indicated as sufficient for this process to continue. Providing documentation on my financial status I was never given an indication that was an issue with the amounts that I was seeking for the HELOC. due to incorrect information with a credit reporting agency, I corrected the information but PNC Bank required a secure text to take place and was told that after correcting the information it may take up to 60 days for the information to become " active '' but in all likelihood would not take that much time. After 40 days of futile attempts I traveled 4 hours out of state to arrive at a PNC office in another state to verify my identity. At that time I was told and encouraged to open a checking account to XXXX a .25 % reduction on my HELOC application. I did so with the idea that it was a benefit and was also told that it would provide a better pathway for monthly repayment of the loan which seemed reasonable. Today XX/XX/2022 I received a Statement of Credit Denial from PNC for loan # XXXX stating code XXXX proportion of loan balances to loan amounts is too high, and code XXXX Length of time account have been established. I feel I was misled on this process and I have complied with all requirements outlined by PNC.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXXunknown phone call received XXXX # XXXX received XXXXunknown phone call received : I returned call which I found was XXXX : This was someone from PNC, stating they were attempting to contact my ex-son-in-law ( they only gave me his name, XXXX XXXX ). He said they were reviewing a resume and needed to talk to me ). I asked him to never call again and he stated I would be taken off the list ). XXXX XXXX received from XXXX XXXX from XXXX, Wa. I called back to the number XXXX and it was someone from PNC regarding my ex-son-in-law. I told them to not call again. XXXX Call from XXXX again. Called that number back. Same individual again and repeated that I didnt want to be called re : son-in-law from PNC. He began angry and said I was lying about my son-in-law and hung up on me.
Company Response:
State: WA
Zip: 988XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Thursday, XX/XX/2022, I made a purchase at a local grocery store using my XXXX Debit Card. The charge immediately appeared as a charge /debit to my checking account - as I had expected it would. Because my purchase include many large bulky and heavy items, I requested that these items purchased be delivered after XXXX PM that day. I had a previously commitment and could not be home to receive this delivery myself. I live in XXXX, XXXX XXXX XXXXXXXX, New York apartment alone and the building in which my apartment is located does not have a doorman / concierge to accept deliveries in my absence. Because my commitment took longer than anticipated, I telephoned the grocery store and requested that the delivery b made on Friday- not Thursday. On early Friday, XX/XX/2022, morning I telephoned the grocery store manager and him informed them that I unexpected had to make a number of other purchases later on Thursday and requested that my grocery store purchase be cancelled and a refund / credit in an amount equivalent to my purchase be applied to my checking account. The grocery store manage agreed to do this since all of the items were still in that store in a segregated area where deliveries are held prior to being made. None of my purchased had ever left that grocery store. For the grocery store 's convenience and to ensure accurate credit was made applied to my XXXX Debit Card in turn to my checking account, I returned to that grocery store with my purchase receipt. The grocery store manager was very prompt and cooperative and I received an immediate credit receipt for my previous purchase. But my bank, PNC Bank, did not apply the credit o my checking count despite the electronic credit being authorized by that same grocery store. In fact as of today, Monday, XX/XX/2022, XXXX PM XXXX ET the bank, PNC Bank, still has not issue that credit to my checking account. My checking account balance shows today, Monday, XX/XX/2022, on that PNC Bank online account system as being overdrawn, when the store manager had voided the charge the previous Friday, XX/XX/2022. PNC bank is quite efficient in deducting any purchase amount from my checking account. But But PNC Bank consistently plays the " float '' against me and any store/ vendor for a cancelled item when any purchase is cancelled - even on the same day - and delays recognizing the store / vendor issued credit to my checking account despite being processed through the same electronic banking system through which a charge is immediately debited from my checking account. PNC Bank deliberately delays awarding me the timely credit received from a store / vendor for a cancelled item. Since it is the same electronic system which issues the credit that also can and does so promptly issue a charge when a purchase is made, I think that PNC Bank deliberately is holding the store 's money in its own general PNC Bank Account and playing the " float '' with these funds for its own purposes by delaying issuing the credit more promptly to my checking account. I bought this to the attention of the PNC Bank Consumer Call Center Supervisor later last Friday afternon. I requested that her manager telephone me and explain this delay in PNC Bank issuing the credit to my still-showing overdrawn checking account no later than today, Monday, XX/XX/2022 no later than XXXXXXXX PM XXXX ET. I have not yet received any call from PNC Bank. Again, since the same Federal banking electronic systems are involved when issuing a charge or issuing a credit within a very short interval between purchase and refund by the same store / vendor, I think PNC Bank is deliberately delaying crediting my checking account. No manual processing is involved. PNC Bank 's attitude in not addressing this delay is abusive and hurts my credit rating by reflect an overdraft in my checking account when there never should have been an overdraft to my checking account. Please assist me and force PNC Bank to use the identical amount of electronic processing time to issue a charge as to issuing a refund when the same store is involved and the time between the purchase charge and the purchase credit is less than 18 hours. I have both a copy of my electronic purchase receipt and my electronic refund receipt from this grocery store and can provide them to XXXX should that be needed. Thank you, XXXX XXXX XXXX ( mobile telephone number )
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A