Date Received: 2022-05-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: So we get a A phone calls saying my nephew is in jail and his bond was {$6300.00} and they needed 10 % they put a person on the phone who was crying and it did kind of sound like my nephew so of course were in a panic him his name was XXXX XXXX that was the lawyer that called and he said since the court was closing and during the pandemic we cant go in so he gave us a name for XXXX XXXX who is a XXXX agent who is in charge of all of expunging records like a program once its completed and he told us to go to a PNC Bank XXXX XXXX XXXX. and we get there he gives us a one time access code I had to do it three times because you can only do so much at once we put {$6300.00} in after that I would say within 30 minutes we started to realize it was a scam I reported it to the police I reported it to the bank right away the bank did nothing told me they couldnt freeze the account until further notice so this money is probably gone their exact words was its a he said she said issue and the detective would have to subpoena everything and I would have to hire a lawyer I have bank receipts and you can see me on the ATM it also gave me an email when I did it which was XXXX XXXX the officer was XXXX XXXX case number XXXX the ATM is XXXX XXXX PM and its called a card free ATM access. Im surprised at the bank said they sent it to the escalation department but didnt do anything to this other persons account they didnt freeze it they didnt put it on a hold they just let the funds go because I am not personally a PNC customer my XXXX is and because of that its making it harder according to them I am frustrated with how the whole system is with the Police Department FBI department and the banking department there should be more things put in place to protect people
Company Response:
State: MI
Zip: 49002
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I opened a letter from PNC bank that told us that our account was overdrawn and that we owed a fee. Panicked, I rushed to check our accounts and found out that the " overdrawn '' account was the " mandatory '' checking account that we didn't have money in because we used the bank just for a savings account. ( We were using simple and that got acquired by XXXX and now the accounts were being handled by PNC ). Upset, we tried to transfer the money to our XXXX account. No good. At the rate of transfer, it would take us several months. So we called. After trying to navigate a really terrible phone menu ( and having to disclose personal information several times ), we finally spoke to a person. She told us that because we had tried to pay off our fees prior to calling, that it would take several business days to close an account because they couldn't close an account when there was an active transfer. At one point, the representative even asked us for our personal information AND PASSWORDS at the bank ( XXXX ) where we wanted to wire our balance. Then she told us that we would have to accept a cashier 's check. It was a mess. We ended up not closing because of the " active transfer that would take several business days. '' The whole process was a waste of an hour.
Company Response:
State: OR
Zip: 97132
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a " XXXX XXXX XXXX '' XXXX checking account with PNC during XX/XX/2022. As per account promotions, if i maintain a balance of $ XXXX in this account, I was suppose to get {$500.00} as cash back bonus. From XXXX XX/XX/2022 till XXXX XXXX XXXXmore than 90 days there is no {$500.00} cash back bonus even when the average daily balance was more than $ XXXX. There were good amount of banking errors and unnecessary fees that PNC charged and I need to reach out to PNC immediately for that and they waived off that fees after that. Please refer the statements for last 90 days, average ledger balance was always $ XXXX or more.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PNC has not reported my payment status correctly for months. I explained that I had XXXX and then I submitted a form for automatic payments. They didnt accept the payment method and sent me a ridiculous letter, that I never received. I heard about the letter once I called the bank after my account was not debited. This bank is falsely reporting against my credit.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My credit union offers free no-fee lifetime checking. I have been with them for over 20 years and I love them. But I wanted a backup account to get a backup debit card. In case a debit card gets lost while I travel. So I signed up for free no-fee lifetime checking at www.simple.com. I was happy with their services and I remained happy even after they got acquired by BBVA USA. I remained happy with BBVA USA because they honored my free no-fee lifetime checking. Plus they happened to have branches where I travel. Then BBVA USA was acquired by PNC. And as it turns out PNC has some branches in places I frequent. But not as advantageous to me as BBVA USA. Regardless, I figured at some point I could get around to funding my now PNC checking account by more than a penny. ( {$0.00} ) But I was in no rush to do so because it is free, no-fee lifetime checking. Or so I thought, when I received an email from PNC a week ago stating they were going to hit my account with a {$7.00} per month fee! According to PNC they workaround to this {$7.00} per month fee is maintain a daily average balance of at least {$500.00}. One of the issues here is that they did not give me enough time to make that happen. Unless I were to put in {$15000.00} or more to turn to achieve that {$500.00} daily average balance. ( {$15000.00} into 30 days, since I had {$0.00} in the checking account ) Beyond even the less than ample notice. I am upset because I expect PNC to honor the free no-fee lifetime checking as BBVA USA did XXXX I am grandfathered in as a successor account. I should not even have to maintain a daily average balance of at least {$500.00}. This is not okay. The analogy that I present to PNC goes like this. As someone that has done landlording. When I have purchased a property. I am obligated to honor the pre-existing leases. I can not change the terms of a tenant 's lease after the closing. Think of a situation with rent-control. A new landlord can not change the rent on someone in a grandfathered apartment. This is why oftentimes a building with rent-control units sells for less than one without. Landlords are not able to cherry-pick in that case. There is a reason for the discounted building. The same rings true when one financial institution acquires another. Imagine if I opened a credit card from X Bank and they got bought out by Y Bank. Later PNC buys Y Bank and then I say to PNC- I have no account with you. PNC would still insist on payment and if they took me to court- they would win and I would lose. If that logic applies then PNC must honor my free no-fee lifetime checking. That would also explain why I never received notices from PNC because none applied to my account. They may claim they sent notices, but the only one I acknowledge receipt of is the email from last week. Which prompted me to fund the account by {$500.00} to bring the balance up to {$500.00}. Because I figured they would hit me for the {$7.00} fee before I had a chance to straighten out this matter. I do not wish to get hit again at the end of XXXX/ start of XXXX. So I do not plan on moving the balance. I communicated my concerns via the PNC XXXX. I also called them and spoke with a wonderful woman named XXXX. Later I got in touch with a nice woman called XXXX. But none were able to help me. XXXX suggested I write to the President of PNC. But on second thought I became concerned that even the President might not have the power to help me. So I surmised I would contact your office to get a little additional help.
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Have tried on multiple occasions to close my account, the latest being XXXX XXXX when again I went in personally with the PNC Bank Branch manager and asked the account be closed. I was told it would take XXXX. On XXXX XXXX ( *7 days later ) a charge came in and instead of refusing it, they paid it then charged me for an overdraft and then tacked on the banks monthly account fee XX/XX/XXXX. When I went in today to complain, I was told they should have given me a letter showing the account had been closed. This is the second time I have had serious problems with this bank. They messed up my mortgage so bad it took almost 4 months to straighten it out. This bank needs to be investigated for fraudulent bank practices.
Company Response:
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I had multiple accounts with PNC. Today, I logged into my account to deposit a check only to find that all but XXXX of my accounts have fully disappeared from my profile along with my money. I did not authorize any closure or transactions. After signing out and signing back in multiple times, I realized this is not a glitch but theft by PNC. I messaged a customer care representative through the app. XXXX could neither troubleshoot the issue nor restore my accounts. I dont know where my money is and that makes me feel very vulnerable and afraid. No financial institution should ever do this to their customers. Nobody should ever go through this.
Company Response:
State: TX
Zip: 75205
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XXXX I attempted to dispute this account with PNC Bank NA. I opened this credit card in XX/XX/2021 with the expectations that they advertised I would receive a higher deposit interest rate on my personal checking/savings accounts which were under both my name and my living trust name. A couple months after opening, I was told that the bonus interest rate would only apply to either my personal accounts or living trust accounts. I chose the living trust accounts as that's where I held most my money. However, the following month I started receiving bank fees on my personally titled accounts as they could not link the personal to trust accounts for balance aggregation, only trust to personal. So I had to either chose to get the fee waiver with no bonus deposit interest rate based on this credit card because of how they could link accounts, or I had to downgrade my personal accounts and could not use my trust balances to waive the fees as their systems could not link the accounts together even though both were under my personal ssn. I had to wait until XX/XX/2021 to close out my accounts. I would have never took the credit card to get the higher deposit interest rate had I known there would linking issues. The credit card was only opened a few months and it was closed. I've requested several times that the credit card be removed from my credit report as it's hurting my average account age, but they refuse too. I was told by opening the card I would get a higher deposit rate which was completely false.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We opened accounts at PNC Bank partly for their safety deposit boxes. We signed up with an agreement of a {$50.00} discount on a box that costed around {$35.00} at the time. They have since upped the price so we must pay {$22.00} for the box now. They are arguing that because they upped the price and didnt change the account benefit they are inline with the agreement. I find this to be shady and unfair business practice. It is an obvious money grab by PNC. I did not agree to pay for the safety deposit box and PNC is unjustly charging customers to increase their bottom line.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX, XXXX, my elderly mother discovered that her home health aid had stolen her checkbook and written approximately XXXX checks to herself, emptying my mother 's account. My mother reported the theft to PNC and identified the forged checks. The branch XXXX called the police, who came to the bank and took a report. The XXXX also submitted a dispute for the forged checks, which totaled over {$20000.00}. For the next six months my mother and I regularly contacted PNC, which kept telling us to wait and be patient because it was still investigating. On XX/XX/XXXX, my mother died of XXXX XXXX XXXX. I notified PNC of her death. PNC told me it was still investigating the forgeries and that it would contact me soon, but it never did. Is there a law that requires PNC to perform a timely investigation? It's been more than six months, My mother 's name was XXXX XXXX. The account is titled " XXXX XXXX XXXX XXXX XXXX. '' I am the trustee.
Company Response:
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A