Date Received: 2022-04-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I had been contacted via XXXX by my friends stating they had an investment opportunity. I reached out to the broker and started a convo XXXX XXXX and he explained to me what I could invest and get out. I contacted my friends via DM and I was told that the broker was 100 % safe and secured. After I was assured the process was legitimate I sent the broker XXXX $ in bitcoin. My turnover for my investment was supposed to be XXXX XXXX The broker informed me I will need to send XXXX $ to recieve my investment due to a large withdraw fee but I would be refunded. I then contacted my friend to see if what he was saying was true they confirmed it was safe secure and takes about an hour. I sent the money via XXXX to the broker {$1800.00}. The broker told me my investment will not be ready for withdraw if the charges were pending so he told me to inform my bank they will help so I did. I couldnt help the pending charges so the broker said that we can continue in the morning. I texted my friend and they said everything would be ok just dont worry and I will be taken care of. XX/XX/XXXX I had only sent the broker XXXX $ I needed to send XXXX $ for the fee I sent the remaining money and waited for my investment. The broker wanted me to pay another fee. Around this time I catch on to the fact that this is a scam and that my friends were hacked by more scammers and behind this act. I rushed and called my bank to tell them what happend and dispute the charges. The bank representative for PNC Bank was extremely unhelpful and could not help me speak to the right people to understand my situation, I tried to explain what happend in a calm tone even tho I was just stolen from he was just silent and did not say a word I asked him if he was even listening to me and he took a long pause and just asked me a standardized question. So I had to hang up to speak to another person and file my dispute. I waited two days for a follow up and then I got none. I called to check the status of my investigation and the rep explained the time period the process takes and that they would contact me by letter. I waited about another week and they didnt contact me. I went to the XXXX XXXX police station and filed a police report for the scam and had the report sent to my bank. I then went to a local PNC branch to try to get some face to face help since the virtual help was practically helpless. The branch offical was extremely nice and she went on to explain to me that the process is lengthly she told me the status of my investigation based off of the notes that were left on my case. I felt a little better but still I was stolen from and Ive been a PNC costumer for a long time I shouldnt have to jump through hoops like that. I waited about another week to have a letter sent to my old address confirming my address change nothing about my dispute. I waited a few days and called XX/XX/XXXX to check the status of my dispute the representative called me and told me they have denied my dispute and have no way to help me since I Sent money via XXXX and Im not protected for authorized transactions regardless me being hoaxed into sending the money by scammers.
Company Response:
State: OH
Zip: 45103
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To whom it may concern I am XXXX XXXX XXXX, XXXX and I have a small family dental office on the Northside of town. I would like to tell you about an interesting experience I am having with a well-known bank. In XXXX of 2021, I started a business credit card account with XXXX. Immediately, I started to have issues with the account and the processing of payments and credits to account. In XXXX, I called in to make my payment, the payment amount I requested was not the amount taken and it left the account with a huge balance to be carried on to the next month. I did not like this and complained because of course interest is accrued in that time. I called in and made my XXXX payment around XX/XX/XXXX ; this is where things go completely off the rail for the account. XXXX held my payment for over 20 days until XX/XX/XXXX before the money would be credited, then inexplicably XXXX claimed to have returned the payment. They did not give a reason the payment was returned ; they actually have not returned my money. The money has been misapplied to an account and now they can not find it. My money just vanished into thin air. I have not been informed of fraud nor cyber theft. XXXX is now PNC BANK and PNC has now placed my account in a revoked status and still seem to not care. They seem to not care and treated me like someone who does want to pay their bills when I went into the XXXX branch on a scheduled appointment with someone named XXXX. They just do not seem to have any interest to make this right for me and I am enlisting any help that could be given to me in this endeavor. Respectfully, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Starting from the beginning, in XXXX of XXXX, I opened a bank account with PNC Bank online & I was in the process of moving to another city due to a promotion at my job. They sent my debit card to my old address in XXXX, FL so I was unable to access my account online to update anything bcz it required my debit card #. So the account was inactive for awhile & once I finally found a place & had my own address again, I went in to PNC Bank location on XXXX XXXX XXXX XXXX, FL to update them on my new address & get a new debit card issued to me. The representative Never told me that my account was on the verge of being closed & that was on XX/XX/XXXX. I left the bank & went home to update my employer with my routing & account numbers for Direct deposit. At the same time I wanted to make sure my rent payments would come out of my checking account with PNC because the XXXX XXXX XXXX only accept checking/savings account info to make payments through their website. And most importantly, I set up a transfer if my rent payment in the amounts of $ XXXX {$620.00} & {$20.00}. All to cover my {$1200.00} rent payment that was due to be withdrawn on XX/XX/XXXX. Without notification from PNC Bank they closed my account on XX/XX/XXXX. So, my transferred funds kept being rejected, my very first rent payment was sent back with the notation the the account was closed BY XXXX XXXX ( And That Was NOT True! ) And my direct deposit from my employer was held until yesterday XX/XX/XXXX at XXXX they sent it back to my employer & I will not receive my reissued check until XX/XX/XXXX. Between the dates of XX/XX/XXXX & XX/XX/XXXX I was told the direct deposit had already been sent back, my employer updating me daily that they had not received it yet. All to find out they had my Direct Deposit THE WHOLE TIME & just sent it back on XX/XX/XXXX. Now, the whole time, I'm being charged {$100.00} for NSF Fee & {$15.00} per day late fees by my XXXX XXXX XXXX who could be moving towards eviction processing in the days to come. I went into the branch location of PNC mentioned above & they saw everything that happened with the transactions & could not explain why the account was closed on XX/XX/XXXX after updating my address & reissuing my debit card on XX/XX/XXXX. They said the only department that can look into my transferred amounts was the XXXX dept that did not take phone calls, only communicates through email. Now because of this whole ordeal I'm flagged as a risk to open a regular bank account all because PNC closed my bank account without my foreknowledge when I came into their branch to update my address & receive a debit card on XX/XX/XXXX. As of now XX/XX/XXXX at XXXX ( I have a phone appt with them at XXXX ) I haven't been called yet. I have filed a dispute with XXXX to try & get my transferred amounts back in my account that way. They denied it immediately stating the transfers were successful & settled so they will not credit my account. When asked for supporting documents for their decision, XXXX said they will email them to me & as of XX/XX/XXXX at XXXX I've not received anything. I called them back today, XX/XX/XXXX at XXXX and was transferred to a person, I told them everything all to find out he was Not a supervisor as I asked for & that person transferred me to a voicemail system. As of XXXX while typing this I've not heard from XXXX neither PNC that I have a phone appt with today XX/XX/XXXX at XXXX.
Company Response:
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX XXXX XXXX Bank PNC Account : Smart Access I have noticed that my account is constantly being overcharged. I have noticed that my account is being charged more than once. I also have been informed that they dont have an account that it is on file. This is 100 % incorrect. I do not know why they are saying this. Can you please contact me as soon as possible. I have contacted the police department about these issues. The Case number that I reported today is XXXX. I look forward to hearing back from you XXXX to resolve these banking issues.
Company Response:
State: IN
Zip: 46202
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Sunday, XX/XX/XXXX, I noticed XXXX separate fraudulent unauthorized transactions on my online bank account totaling {$610.00} ( transactions in the amount of {$500.00} ; {$100.00} ; {$1.00} ; and {$16.00} ). I called PNC Bank customer service to report fraud activity on my checking account. The customer service representative assisted me over the telephone in filing a dispute of the charges and gave me the option of going into a PNC bank branch to get a new debit card or have XXXX mailed to me. I filed a police report on Sunday, XX/XX/XXXX. I went into a bank branch and received a new ATM debit card on Monday, XX/XX/XXXX. I also spoke with a bank customer service representative inside the bank branch who escalated my claim dispute and I was told that I would hear from someone within XXXX - XXXX hours, and that if I didn't hear from someone within that time frame to come back so that he could look further into the matter. I never received a phone call from a PNC Bank representative within that time frame. I went back to PNC bank branch on Friday, XX/XX/XXXX and met with another customer service representative who submitted another claim and assured me not to worry and that my money was insured by the bank for circumstances like fraud activity. I followed up over the phone with a customer service representative who told me that I would hear from someone within XXXX hours and that he could not issue me a provisional credit until further investigation which could take up to XXXX to 90 days. I received several letters in the mail from PNC Bank, XXXX dated XX/XX/XXXX and XXXX letters dated XX/XX/XXXX. XXXX letter stated that I notified them that I was no longer disputing the XXXX unauthorized transactions that was posted to my account- which I never told them I was no longer disputing. I received a total of XXXX separate letters stating that my dispute in the amount of {$16.00} was resolved and that I would receive credit in the amount of {$16.00} - Which I received x XXXX. And another letter stating that As noted in their XXXX XXXX Transfer XXXX XXXX, they must receive notification no later than 60 days after they sent me the first statement on which the unauthorized transaction ( XXXX ) appeared. They said they investigated my claim and determined that I did not notify them in a timely manner. They said that I was held liable for the disputed transaction ( XXXX ) that occurred later than the timeframe referenced above. I called PNC Bank customer service and was told that I am held liable for the {$600.00} unauthorized posted charges to my account that had occurred on XX/XX/XXXX and was posted on XX/XX/XXXX because the {$16.00} charge had been fraudulently occurring since last XXXX of XXXX and I didn't notice that charge until Sunday, XX/XX/XXXX, therefore they are saying I can not receive the {$600.00} that I recently noticed as fraudulent activity which was XXXX pay charges. I do not have a XXXX account and explained this to PNC. I tried contacting someone @ XXXX, but can not speak to anyone over the telephone. I even tried emailing XXXX. I have been banking with PNC for over 27 years - Loyal customer. And this is how they treat their Loyal customers. {$600.00} XXXX not be a lot of money to them, but it is to me. It's my money that I have worked hard for and I entrusted PNC Bank to insure my money for circumstances like this.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The fraud transaction was posted on XXXX for a total of {$5000.00}. I have contacted PNC bank to resolve this issue but the bank refused to refund my money. These transactions were fraudulent unknown transactions that I did not make.
Company Response:
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX I posted something for sale on XXXX XXXX for {$300.00}. XXXX XXXX I was contacted by an individual to buy this item and said she would send me {$300.00}. She said she was getting it for her daughter and wanted to know about the conditions. XXXX XXXX the buyer asked if I had XXXX through my bank and I said yes and gave her my email and phone number associated with my account. XXXX XXXX she stated she sent the money so I checked my account and I did not receive the money. She stated that she received an email from XXXX that I had to increase my intake limit and that I shouldve gotten an email as well. I went to my email and I did have an email from XXXX stating that I had to increase my limit. In order to do this the buyer had to send me {$500.00} and I would have to send it back. So I did this. And then received another email from XXXX stating that the buyer accidentally sent the amount of {$500.00} twice so I had to send another {$500.00}. I then did this. I received another email from XXXX stating that there was an internal server issue on my end and the money should be available in my account the next day. XXXX XXXX I had not received my money. I called my bank and they stated that there is no limit on how much I can receive through XXXX. At that moment I knew I was scammed. I filed a dispute with my bank, PNC. XX/XX/XXXX @ XXXX : filed dispute with my bank, PNC XXXX XX/XX/XXXX @ XXXX : called PNC to check on the dispute XX/XX/XXXX @ XXXX : called PNC again XXXX XX/XX/XXXX @ XXXX : called PNC again to find out that my dispute was denied and closed. They stated that I authorized this transaction. I opened the dispute again as I was scammed and did not authorize the charges. XX/XX/XXXX @ XXXX : called PNC again with no solutions. XX/XX/XXXX @ XXXX : called PNC again with no solutions. XX/XX/XXXX @ XXXX : called PNC again to find out thatd my dispute was denied again. I asked to speak to a manager and was told I would be contacted within 24-48 hours. XX/XX/XXXX @ XXXX : after 72 hours I was contacted by a case manager, not an actual manager. I explained that I looked up my rights and I should be protected under regular EXXXX She was very incompetent, unhelpful, and not empathetic towards my situation. She did not even know what XXXX was. I asked to speak to a manager again. I still to this day, XX/XX/XXXX, have not heard from a manager. XX/XX/XXXX : I filed a police report for the scamming. XX/XX/XXXX @ XXXX : called the case manager back. During our previous phone call, she gave me her direct line. When I called that was in fact not her direct line. I was given the run around again and never got to speak to the case manager or manager. I opened the disputes again. XX/XX/XXXX : have not heard anything from PNC bank. Regulation E protects individuals and our basic rights for sending funds electronically. Given my situation, I have read that the CFPB thinks I should be protected under Regulation E. My bank, PNC, has not protected my rights and they have not done their jobs correctly. I need someone to advocate for me. I lost {$1000.00} and the way I am being treated isnt fair.
Company Response:
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My initial closing date was Friday XX/XX/2022 which was known since day one. XXXX XX/XX/2022 my loan processing analyst states the earliest they could close is Wed XX/XX/2022. Friday XX/XX/2022 at XXXX I receive an email from XXXX XXXX XXXX that closing will be at XXXX on Monday XX/XX/2022. I received no notification from my lender, nothing about requesting to change the date or asking to change the date. At this point this also means theres not enough time to receive the closing disclosure document in the required XXXX business days so that I can review it. Also means I had to pool all my money into one account prior to when I anticipated to do so, so that I could send over the wire to the title company. I called my loan officer to see if he could forward me the documents so that I could review them. He for some reason thinks its a joke and starts laughing saying ill get everything. I let him know that I dont have access to the email that I have on the application and that I need the documents to be sent to another email. He assures me that when all the documents come in that XXXX send them to my email address. I am currently out of the country so am XXXX hours ahead of the loan processing department and have not received a single document. I have had other issues with this process so I am not fully confident that what is in the documents even are the same as when I received the loan estimate. Since the closing date was changed t XXXX on a Friday before the closing date there was no way to receive the closing document within the REQUIRED time frame. I still have not received the documents thus I can not sign them let alone read them. This entire process through this bank has been ridiculous.
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I signed a contract and paid a deposit via ACH to XXXX XXXX XXXXXXXX XXXX XXXX to help with moving. On XX/XX/XXXX, I signed and completed a refund request, as I had a suspicion the company was fraudulent, but they had a 10 day money back cancellation policy. Every time I called the company to try to get these funds, they told me there was a backlog due to XXXX. It has been 9+ months and I have still not received a refund.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I bought a home in Alabama in XX/XX/XXXX. Unfortunately, my home is in unclear title. It is now worth around {$300000.00} USD. I bought via a co-listing realtor and the bank I financed my XXXX XXXX home loan was Compass BBVA. The bank loan officer made mistakes and had incorrect legal information on my mortgage, which I was not aware of. The bank loan officer hired a title attorney who also had many mistakes and never provided a valid title insurance policy. He did strange things like he put five different dates on the two page deed, four of them are in tiny size text on the bottom of the two page document which did not have the correct date of the sale closing for the property at all and one date was the day after my closing.. He made a mistake in the legal information for the home, and he never did a title search because the title is unclear going back many years. His office provided a title insurance policy nearly a month after the closing that was never valid or written for the property that I purchased. It had the wrong legal parcel number. He worked for a law firm in GA which was involved in all kinds of fraud and a partner hid about {$40.00} million USD before going to federal jail a few years ago. I suspect he got a XXXX XXXX kind of jail term, and a judge reportedly set up a restitution fund. Other partners and owners of that business have not been charged with anything. Their title insurance company that they had is linked a very large foreign corporation, who I never read was involved in any legal proceedings for their part in the very large corrupt title business venture. The local attorneys involved in my unclear title, including problems with incorrect legal information and an alteration on the prior owners deed in lieu of foreclosure, have said they got rid of their liability, including selling part of the firm business and getting rid of their employee who processed an altered incorrect deed in lieu of foreclosure for the prior homeowners. But I found the attorney who used to work for them who lives in another county, and I do not think they can sell off legal liability for the train wreck their employee caused. It is like she drove their company car with the company and all of them the owner of it, and she crashed it and so they sold the car for junk and got rid of her. They say they got rid of their legal liability. That can not be true. I emailed everyone involved and contacted a prior home owner, because this property has been in unclear title many years. I have found many other properties that are in unclear title in this area, and it is an investor way of doing business in this area. I do not know how far back my unclear title goes. I have heard from most of the people involved in this problem of unclear title on a home that I have had two XXXX XXXX home loans, which closed in unclear title, but the bank who hired the title attorney, BBVA Compass now PNC, and who made mistakes on my legal information on the property has not bothered to contact me at all. If my home loan had not been paid off by the US Government Treasury Department funded Alabama XXXX XXXX XXXX, I would still be making payments to PNC who merged with BBVA Compass Bank. The loan was originally scheduled to be paid off XX/XX/XXXX The bank who sold the home via deed in lieu of foreclosure, XXXX, XXXX and XXXX XXXX XXXX, has a Sr Attorney in GA researching the problem. I told the attorney, that I have done a lot of title searching since I bought my home and they need to be very careful because I do not think there are any honest mortgage banking attorneys in this area. Unclear title properties are common in this area. It is a common way to hide income and assets, and to avoid business property tax rates. I would like PNC to step up and do the right thing. They need to work with XXXX and get my home in clear title. I am a XXXX senior citizen and this should never have happened to me. I have the lien release letter from a Sr VP at BBVA Compass bank which is dated XX/XX/XXXX. They were horribly slow at processing and it hurt my outstanding credit rating. It looks like I contacted PNC with a whole lot of documentation, and along with all the other parties involved in my unclear title purchase, via email at XXXX on XXXX XXXX. They have not bothered to contact me to tell me they will get the problem cleared up and my home put into clear title as of today XX/XX/XXXX. They need to get this problem resolved.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A