Date Received: 2022-04-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, I deposited a payroll check via the XXXX XXXX through my bank PNC Bank, in the amount of {$750.00}. I was told that funds would clear and be available on XX/XX/2022. Upon trying to make a purchase, once the funds posted as available in my account in the amount of {$750.00}. Upon calling my bank on today XX/XX/2022. I was told that my bank account has been frozen and that I could not access my account. As of today I had money already available in my account and due to this freeze the bank will not provide me a reason why my account is frozen, nor will they allow me access to my funds. Please assist me with this complaint. Thank you
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/21 a friend of mine gave me some money and asked me to hold onto some money of hers so she didnt spend it because she was trying to save up for a vehicle and something always happened and she would need the money before she had enough to get the vehicle she wanted I said no problem that I would deposit it on my way home. I stopped at the gas station on my way home and ran into an old acquaintance that asked if I could give her a ride home. I said I had to run to the atm but yes I would give her a ride. While I was driving she was on my phone controlling the music for the ride. I deposited the money and then took her home and went home myself. The next day I noticed the money was gone from my checking account and had been added to XXXX XXXX. I checked my XXXX XXXX and it was added and then sent to XXXX XXXX, which I assume is a fake name for a XXXX XXXX made by the chick I was giving a ride home so it wouldnt lead directly back to her. I disputed the transactions with XXXX XXXX and with PNC because the person I talked to at PNC said it would be best to do both. PNC did an investigation and deemed the charges not fraudulent. I disputed it again and had the same result but the lady I talked with told me that because it happened on my phone it will almost always turn out that way and that I needed to dispute it here because they were in fact unauthorized transactions and I should not be responsible for them.
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On today XX/XX/2022 I went to the PNC Bank @ XXXX XXXX XXXX XXXX Pa XXXX. To deposit funds into my Savings Account. After a brief wait I was called to the window by a XXXX female teller who was dressed in all black. And the first question she asked me was. Why didnt you use the ATM? After knowing the fact that here In XXXX theres an increase of armed robberies and senseless killings here in XXXX Pa. At various Banks including PNC ATMS. And since I happen to be an immediate family member of a Murdered Victim so its a personal and heartless offense against me as a PNC Bank Customer. And when I addressed the question to the Bank Teller on why did she ask me that question? She responded in a irresponsible and arrogant way. Now this isnt the first time when Ive been disrespected by a PNC Bank Employee because sometime ago at the local neighborhood bank @ XXXX XXXX XXXX XXXX XXXX XXXX the then XXXX Bank XXXX had asked me the same question after already knowing the high XXXX on XXXX crime wave in this community. Once again these are nothing but continued harassment and retaliation tactics
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Problem when making payments
Subissue:
Consumer Complaint: Since our bank was acquired by PNC, getting information regarding our line of credit and our mortgage and making payments that are properly registered has been impossible. Hours have been spent on the telephone with customer service and other bank representatives, and these are generally circular encounters, achieving nothing at the conclusion. Messages to banking officers are often left unanswered. Late charges are accumulating despite on-time payments, credit scores will be affected, and we have been unable to find any effective measure to get proper assistance despite a face to face visit to a bank officer. Attempting to work with PNC is a literal nightmare. There is not one competent person with the right connection or information to meet our banking needs on existing accounts.
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
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: PNC is actively reporting a line of credit as a defaulted and charged off mortgage to the credit bureaus. It is being classified as an M9 by the credit bureaus. After numerous attempts, there is no one individual at PNC who can navigate an issue from XXXX when PNC inherited the errors. I first spoke with Customer Service ( XXXX, XXXX, XXXX @ XXXX ext. XXXX ) and said I had the Recorded instrument with the Satisfied Stamp to prove the equity line was paid off in XXXX. One individual told me they arent XXXX XXXX but PNC, not knowing of prior mergers. All were unable to help and did not call me back. My second attempt with an XXXX XXXX was unsuccessful so I contacted a local branch with a Mortgage Broker office. There I spoke with XXXX XXXX ( XXXX ) XXXX. He informed me there was nothing that could be done and failed to provide any avenue to help resolve the error. Overview of error : With the many mergers ( XXXX became RBCXXXX XXXX then RBC Bank XXXX then PNC ) there was an error in the transitioning. The original credit line was opened with XXXX as an Equity Line for {$80000.00}. This was paid in full XXXX of XXXX. There is public documentation of RBCXXXX Certificate of Satisfaction for the Equity Line, paid in XX/XX/XXXX with the Register of Deeds ; with the merger of the two banks this has been overlooked by PNC. There is public documentation of the property used to secure the Equity Line being sold and transferred free of liens to the new owners XX/XX/XXXX. The account was then converted to an open line of credit, paid in full XX/XX/XXXX. We have not, nor ever have defaulted on a mortgage or credit line. We have documents showing a clear paper trail that begins with an equity line secured with property, a filed note of satisfaction from the payoff, a bank statement showing a zero balance and a clean transfer of ownership to the new owners, all ending in XX/XX/XXXX. The current RBC/PNC reporting to the credit bureaus needs to be changed from a charged off mortgage to a paid in full line of credit from XX/XX/XXXX up to the payoff in XX/XX/XXXX. Because of the age of these transactions, we were not aware of the reporting code M9. We had no need to apply for credit until we were refinancing our home in XXXX of XXXX, which was when we were informed how detrimental this error was to our credit report. In the end, it cost us points on our new mortgage and have probably had poor credit scores due to our supposed default of a mortgage.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Our organization, XXXX XXXX XXXX XXXX, had its nonprofit checking account closed by PNC Bank without notice on or around XX/XX/2022. At which point, the XXXX, Massachusetts PNC branch ( located at XXXX XXXX XXXX XXXX, MA XXXX ) refused to communicate with us and would only communicate with a former employee whose name was on the account. We had been trying to transfer ownership over the account to our organization 's president, but the PNC branch made it incredibly difficult to do so. Moreover, at no point did they communicate that our account would be closed if the ownership transfer did not occur. On XX/XX/2022, PNC communicated to our former employee that a check in the amount of our account balance of over {$60000.00} had been issued to that former employee, who lives in Maryland, and that it would take between 7-14 business days to arrive. As of today, XX/XX/2022, the check has not arrived at the former employee 's address. The PNC branch is not able to say where the check is and does not have a tracking number for the envelope in which they mailed it. Effectively, our entire bank account balance has been lost, employees have failed to receive scheduled payments, and damages have been accrued as a result. PNC has offered no constructive steps to remedy their failure to provide notice about the closure, deliver the funds promptly within 7-14 business days, nor satisfy our legal claim to funds which are ours. We are a nonprofit that had to open a new account with another bank, and as result of PNC, we currently have only {$50.00} in it. We need assistance immediately.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased my home in XXXX XXXX. In the past 5 years my mortgage loan have been sold to XXXX XXXX, XXXX XXXX, and now PNC Bank. In each of those my I escrow there has been a shortage which I have paid to dessolve up front to keep my mortgage rate at a minimum. I am a veteran of the XXXX with over XXXX percent XXXX paid by the va at XXXX percent. I also have my homestead reduction. In discussing the matter with these institutions I have had to provide the information to know avail. In this new transfer again from loan care to PNC Bank again there is again a shortage. I find it is abuse of power and insulting. My mortgage is transfer constantly and in the process increasing it even after paying the shortage my loan does not decrease instead the source or bank claim a shortage taking my mortgage payment up even though the shortage is paid on the escrow. I feel like am in slave by these banks and their process to sale the account and their evaluation without anyone to monitor there process. I asked that you help me. P.S. I refinanced in XXXX no equity was giving to me and I dont see how my mortgage is rising again putting affecting my living conditions. Help me with this abuse of financial responsibility. They are abusive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Spoke with XXXX and someone under her ( they refused to give full names ) and after going through phone prompts to close it, I get transferred to a human. I spend 15 minutes verifying everything to close it out and then in the end they just refuse to do it. There system won't allow it. It's somehow my issue now when I've instructed them to close it.
Company Response:
State: CA
Zip: 92691
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: PNC is charging late fees that are not applicable. They are charging these late fees almost weeks later than they should be. They are posting atm deposits days after they are deposited and are posting it so they are charging multiple late fees. PNC has admitted they have done this and are doing nothing to fix their errors. This is very dangerous territory for a bank to asses late fees due to their ineptness. I have had many issues with PNC and their errors causing late fees assessed to My acccount. Many time their atms do not work, they do not allow customers to access or deposit money. But they will gladly charge them fees. Not only is this harassment, PNC should be throughly audited for their actions. Pnc is trying to charge me fees because I want to close me account. This is retaliation.
Company Response:
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX a check was paid on our account. Received the statement on XX/XX/XXXX and called the bank the following day, to inform them that the check was fraud and never authorized. I was told XXXX was now pnc bank and a dispute was initiated. I was told I would receive a written letter within XXXX business days. I never received any correspondence. On XX/XX/XXXX I received a letter asking to call them with more details. I called and An escalation specialist pulled up the information and said the claim had been resolved. However my account was not credited and no explanation given. She refilled the complainant and gave me a reference number. Two more weeks went by and I called her four more times but she was not sure what happened to my case and told me to call the fraud department directly for answers as she could not see the screen to help me. I called the fraud department and was told they also could not see that screen and said they would call me back. They never did. On XX/XX/XXXX I finally went into the bank and spoke with a branch personnel. She called the fraud department but still got no where. After numerous calls from her I was told they ordered a copy of said check and to come in on Monday to figure this out. I went in on XX/XX/XXXX and spoke with the branch XXXX who filled an elder abuse claim and sent it to the escalation dept to get this resolved. I received a call from the escalation dept on XX/XX/XXXX. She told me the dept she needed to talk to closed at XXXX pm but would call me the following day. I am still waiting for that call. It is XX/XX/XXXX today. She informed me that disputes can take up to 6 months to resolve. Honestly this is ridiculous. The check was never authorized and was clearly someone taking advantage of the elderly. To compound matters the bank is now taking advantage and abusing their elderly customers.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A