Date Received: 2022-04-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ive been a PNC Bank customer for over XXXX years. On Friday, XX/XX/2022 My mother and I walked into the PNC Bank branch located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. My mother is older, walks with a cane and has some health issues, so I approached the bank teller window to assist my mother. My mother proceeds to make a {$3500.00} withdrawal from her checking account and we stood at the window for over 30 minutes trying to figure out why my mother can not make a withdrawal from her available government issued social security funds. My mother produced her identification upon request ( Photo I.D and debit card ) but still was denied to have her funds released. It then came to my attention that my mother and I was being XXXX XXXX as I attempted to withdraw the {$3500.00} out of my personal account. I also produced proper identification and typed my social security number on the key pad, only for the teller to tell me I can release the money to you, do you have another credit card, I then give her a credit card that matches the name on all of my identification that this female bank teller, who doesnt look like me is holding in her hand, then she ask me for a work I.D . which I did not have, so I removed my XXXX XXXX so that she can see I am the same person on the drivers license in your hand, along with two additional credit card, a medical card with my name and employers name and and another master card. It was so embarrassing being XXXX XXXX and not being able to have access to my own money that I work so hard for. I have XXXX accounts at PNC bank and I have substantial amounts in two of those accounts and after standing in the bank for and hour and still be denied access to my money because of my XXXX XXXX is horrible.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Showed my bank proof of payment and delivery not being delivered. Pnc bank still refused to submit a refund or reach out to merchant. This is the second time I've had to do this in the last year, pnc bank doesn't thoroughly investigate.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was subject to Fraud on XXXX. Someone posted a fake job announcement and then said that I got the job. Then sent me a fake check from the XXXX XXXX XXXX with the amount of {$2500.00} asking me to deposit {$1700.00} to a third party using XXXX and keep {$760.00} for me, pretending that this is the actual job of management of donations to charities. The transaction occurred on XX/XX/2021. my bank PNC claims that they offer full fraud protection and that is adding XXXX as the only money transfer option on its portal refused to reimburse me for the fraud which is very misleading.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XX/XX/2020 3 vehicles were to be sold by my Power of Attorney ( later referring as POF ), he took the vehicles across state lines to use them personally/business without my consent or knowledge of vehicles taken across state line as they were to be sold locally. A police report was made, we tried to repossess them ourselves, he hid them 3hrs away from his home. During that process to retrieve them, the insurance company XXXX and XXXX. Neither paid out on the vehicles. 7 months lapsed because " POF '' refused to return them, we were in constant contact with PNC Bank, provided police reports. Each vehicle was found, an arrest was made on those tried to store them at a storage facility, but no arrest made on the POF. On the XXXX day, I changed POF, PNC Bank stated " The new power of attorney had to get verified and would take 22 business days for the verification to gain access as well as make payments on my account as we were unable to make payments during the time frame because of the verification period. 30 more days past due to that verification to verify in which pushed the account into " Closed '' status of 120 days policy at PNC Bank. my accounts were all affected by their verification period policies and also damaged my credit due to that waiting period. PNC Bank refused to re-open or restore the accounts to " OPEN Accounts '' after providing as well my POF was in constant contact with their bank during the entire time-frame to make on time payments.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I applied for a Loan Modification with PNC Bank to refinance a PNC Bank loan ( XXXX mortgage for {$44000.00} ) that came due with a balloon payment. The monthly payment was $ XXXX and the loan was current in good standing secured by my real property. PNC Bank took an unprecedented 5 months to process this refinancing loan ( due to deficiencies in their operations losing/tracking my submitted loan documents ) and never to this day ( after 7 months! ) has provided a single document conveying loan term disclosures in violation of the Truth In Lending Act. PNC Bank approved the loan demanding XXXX trial payments of $ XXXX ( {$3100.00} total ). Yet, I have no information on how these payments get applied to the loan balance or what are the basic loan terms. I have been banking with PNC Bank for some XXXX years and why trial payments would even be necessary is a mystery. My primary mortgage is with PNC Bank, $ XXXX, this loan is current and has an excellent payment history. After the XXXX trial payment, I was informed ( informally via an email message ) that 90 % of the trial payments went to interest and only 10 % to principal this is a rip-off predatory practice. Had I received proper loan disclosures, I would have shopped for this loan at other banks ( my credit score is in the XXXX ). To make matters even worse, they reported payments I made in accordance with their payment schedule, as late to credit reporting agencies, when in reality, they were on-time and the delays of processing this loan was due to their dysfunctional business operations. For example, the payment due XX/XX/XXXX was paid on XX/XX/XXXX and the payment due on XX/XX/XXXX was paid on XX/XX/XXXX ; both were reported as late to credit reporting agencies. The XXXX, XXXX, payment was also reported as late, but no payment was defined because the loan took them 5 months to process and should not be reported late due to their operational failures. I have reached out to PNC Bank to try and resolve this matter with XXXX XXXX XXXX ( PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Office ), XXXX ( Toll Free Office ), XXXX ( Fax ), XXXX ). Supposedly, they are working on the credit reporting correction, but I have seen no results and nothing has been done to resolve the lack of loan disclosure and predatory payments where the bank kept 90 % of the mysterious trial payments as interest.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: They tried too collect and defame my private consumer report not for public inspection WHERE IS THEIR BOND TO COLLECT IN MY STATE PURSUANT TO 392.101 along with the contract with my blue in signature and or electronic signature, I am in honor and if the can provide a contract and a bond we can do business they have the account revolving and closed account a clear illegal violation of the law
Company Response:
State: TX
Zip: 77642
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2022 there were two fraudulent checks withdrawn from my PNC bank account that has Low cash mode option to where the customer is able to return select checks. I was not given the option and checks were cleared by PNC. I contacted the customer service number on several occasions and filed complaint to resolve issue in XX/XX/2022 I was advised that they could not credit back account and return checks and did not receive a clear explanation as to why I was not given the option to return checks in low cash mode. I went to branch to complete two affidavits on XX/XX/XXXX. I was charged two overdraft fees totaling {$72.00}. I was advised on XX/XX/XXXX that I would receive a call back with 24 to 48 hours and no one has contacted me until today I received an email after I called and stated I was contacting to better business bureau. The email stated individual was trying to contact me after I advised I was contacting XXXX.
Company Response:
State: IL
Zip: 62526
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was scheduled for XXXX XX/XX/XXXX XXXX XXXX knew I would not beable to get to Bank for my payments coming up so I spoke with Assistant Branch Mgr while in Bank on XX/XX/XXXX th XXXX paid for XXXX XXXX we had called The Main Branch of PNC Bank XXXX they agreed I could make payment early Now to my Dismay XXXX Bill has Arrived XXXX they charged me a Late Fee Plus they increased my Mininum payment Due. I have never ever had a problem at my other Bank Paying anything early They have said that they waived the late fee But in the next breath if I were to pay it today it would be fine XXXX wont reduce the new minimum fee which is normally {$45.00} now its XXXX Now XXXX is scheduled for XX/XX/XXXX th XXXX I am going to encounter the same Dilemma then they said that I should use bill pay. They can not tell me what I should use to pay my bills. I have never been so disgusted with a financial institution such as PNC Bank and can not wait to be done using them
Company Response:
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have a credit card through PNC Bank, which was formerly BBVA Compass at the time this happened. My credit card was paid off. There was a charge from XXXX that I reported as fraud for {$28.00} on my credit card. I asked my bank if I should pay it because I saw the balance on my account for a while. I had reported it as fraud. BBVA COmpass said not to pay it. I later got a 30 day late payment reported on my credit bureau for XX/XX/XXXX. I had tried to reach out to the bank by phone and the help center wasn't able to resolve it, just told me they couldn't fix it or it would take a few more months. I was very frustrated so I reached out to the CEO on Linked in who put me in touch with a rep named XXXX XXXX who started emailing me via secure BBVA email. I have a customer care # of XXXX. She had sent me a letter saying she would fix the credit bureau mistake. I had emailed her several times through their secure portal. A year later i look at my XXXX credit report and still see the 30 day late. So, I submitted a dispute through XXXX, who left it the same post investigation. The bank is now PNC so not sure if they have all the records. I logged in today to the BBVA portal and all my messages are gone so I have no proof of this but doesn't the bank have to keep records of these things? Especially when they wrote it off for fraud or have an ongoing fraud investigation on that charge. I have no one left to reach out to as my messages are missing, and my dispute did not get resolved.
Company Response:
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased seeds for my garden on XX/XX/2022. The vendor was advertising an end of the year sale. I have all of this documented via email and my checking account transactions. The transaction was for {$760.00}. I was instructed the items may incur shipping delays and will be shipped as soon as possible. I was instructed I would receive my items no later than two weeks from the date ordered. That would place delivery on XX/XX/XXXX. I contacted the company multiple times on and before XXXX via email and phone with no response. I filed the dispute with PNC Bank on XXXX because I never received my seeds. I was denied my first dispute because in an email where I was asked what happened, I did not stated the estimated date of arrival. I stated that I purchased the seeds and they were suppose to arrive in XXXX weeks but I did not give the exact date. So I called a XXXX times and explained what happened and they reopened my case. This was in XXXX. I called them today, XXXX and they literally told me they dont know when XXXX going to get my money back. The dispute department told me they have until XXXX. I asked what will happen in XXXX and they could not tell me if I would get my money back or not. I spoke with a representative by the name of XXXX today and on a recorded line he basically told me its nothing they can do. I thought customers has some level of protection against things like this happening?
Company Response:
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A