Date Received: 2022-04-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022, I was sent an email for a job opportunity through the companXXXX XXXX to be a graphic designer. Through this, I had a conversation with a man named " XXXX XXXX '' ( I later found out that this was not the real XXXX XXXX by reaching out to the real man directly ). I was told that I would have an interview via XXXX XXXX to be interviewed for the position. After the interview was conducted, I was told by " XXXX XXXX '' ( The fake XXXX XXXX, that I received the job and was hired. As this continued, I was told by him that a check would be sent to me in the amount of XXXX via check, and that I would have to print it out, take a picture of it, and send it to my bank via my online banking app this occurred on XX/XX/2022. After doing this, I was told that It would be deposited into my account over the next few days ( it went in the next day ). On XX/XX/XXXX, I continued talking to " XXXX XXXX '' ( again, the fake XXXX XXXX and he told me that I would now have to send a man named XXXX XXXX ( phone number XXXX ( XXXX ) XXXX ) money through XXXX for the amount of {$1800.00} and that would cover the cost of my work equipment, because he was the " vendor that XXXX orders their graphic design equipment through ''. After doing this, A few minutes later, I saw via my PNC app that my account was in the negative - {$1600.00} ... taking the amount of my personal money that I had in my checking account. When I got in contact with " XXXX '', I told him this, and he constantly told me that the check was not fraud, and that the amount was simply sent back to the business ' bank because there was probably an error on my bank holding the amount. I got in contact with my bank, and they confirmed that they believe the check is fraud because it was a check they've never seen before, and the amount of money was being held until the given bank was able to confirm that it was an okay check. I was told by my bank that this was INDEED fraud, but they can not help me, because I sent the money out of my account through XXXX, so I would have no choice but to pay the bank back ; even though they understand that its fraud and I do not have the money that put my account in the negative. I continued to confirm " XXXX '' about this, and he continued to tell me that the check was indeed, not a fraud check. I asked him to tell me how things were looking on his end if the check was not fraud, and he ended the conversation, and never responded back to me. He even took it as far ( to prove that he worked for XXXX ) as to provide me with a contract to sign and a W-4 form. I was able to get in contact with the REAL XXXX XXXX, and he told me that this was a situation that has been happening for months, where this person has been stealing his identity to scam people. While this was going on, I was able to get the following information from the fake " XXXX XXXX '', as well a printed screenshots from each conversation we have had since XX/XX/XXXX, along with the fraud check he emailed me. Email used to contact me : XXXX XXXX Name that the conversations were held : live : XXXX Name that the XXXX XXXX XXXX sent to : XXXX XXXX XXXX Number that the XXXX XXXX XXXX sent to : XXXX ( XXXX ) XXXX I also have printed copies of every conversation that was had via XXXX XXXX and Email, along with the " Check '' that the person has sent to me.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Realized I have a negative balance of almost XXXX dollars. It is impossible. I will not pay this, and it already went into collections... There are other things the bank should have done like deny the transaction, or contact me.. despite that they just went on, accumulating fees which are not reasonable.. now my credit score is messed up.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello my name is XXXX XXXX and I have a mortgage through PNC bank my account number is XXXX. I was on the forbearance program due to Covid. I have recently lost income. I now have a new job. And I am going through the process for a Loss Midigation application. My single point of contact has been changed and I have no way to make a payment on my account or speak to a representative. When I call any number at Pnc bank it directs me to a voicemail without an option to speak to a representative. I wish to make a payment on my account and am not able to do so or get an answer back on my loss Midigation application
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: KS
Zip: 67846
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a credit inquiry on my credit report from PNC bank that is not me. Someone used my SSN # to try to open an account.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I HAVE BEEN SUBJECTED TO APPROXIMATELY XXXX XXXX CHECK FEES BY PNC BANK IN CONNECTION WITH THE STANDARD OVERDRAFT SOLUTIONS. PNC IS DECEITFUL. I CAN NOT SURVIVE AND PUT FOOD ON MY TABLES BEING SUBJECTED TO PNC OUTRAGEOUS FEES AND I WILL RESEARCH OTHER BANKS TO TAKE MY {$2000.00} DOLLARS A MONTH TO. THE PROBLEM I AM GOING THROUGH IS THAT PNC WRONGLY HAS A DATE OF XX/XX/2022 MARKED ON MY CHECK & OVERDRAFT FEE ; BUT IN TRUE REALITY PNC DID NOT NOTIFY ME NOR PRESENT ANY PENDING TRANSACTIONS BETWEEN XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022. ADDITIONALLY THE PROBLEM IS I WAS PAID VIA DIRECT DEPOSIT AT XXXXXXXX XXXX XX/XX/2022 WHICH MEANS MY PENDING CHECK WAS MEANT TO BE SATISFIED. ADDITIONALLY THE PROBLEM IS THAT PNC IS IN VIOLATION OF THEIR OWN POSTED POLICY WHILE DECEIVING ME THE CUSTOMER. THE POLICY STATES THAT ONCE A CHARGE IS PRESENTED AND SHOULD BE PENDING FOR THE CUSTOMER TO SEE IT FOR STANDARD OVERDRAFT SOLUTIONS, SHALL HAVE UNTIL THE END OF THIS SAME DAY TO DEPOSIT FUNDS TO ZERO IN ORDER FOR THE CUSTOMER TO AVOID AN OVERDRAFT FEE ; THE TRUE REALITY IS THAT THEY ARE DECEIVING XXXX XXXX XXXX XXXX ME, NOT HAVING PRESENTED ANY CHECK TO MY ACCOUNT ON XX/XX/2022, NOT HAVING BEEN ANY PENDING TRANSACTIONS ON MY ACCOUNT BETWEEN XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022, NOT HAVING PROVIDED THE CUSTOMER WITH ANY REASONABLE METHOD TO RESTORE A BALANCE TO ZERO ON THE SAME DAY AS THE PRESENTMENT, AND A GENERAL CONSENSUS THAT PNC IS APPROVING EVERY SINGLE ACH AND BILL PAYMENT WITHOUT ANALYZING ANYTHING FOR THE HEALTH OF THE BANK NOR THE CUSTOMER. I HAVE CALLED PNC ON THE PHONE TO EXPLAIN THESE HORRIFIC DISCREPANCIES AND THE REPRESENTATIVES THAT I TALK TO DO NOT GRASP THE SEVERITY OF IT. I AM TAKING MY COMPLAINT TO THE GOVERNMENT BECAUSE OF THE SICKENING FACT THAT I WILL NOT HAVE ENOUGH FOOD ON MY TABLES DUE TO WRONGS SUBJECTED TO ME BY MY OWN BANK WHO DECEIVES ME ABOUT OVERDRAFT SOLUTIONS.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX of XXXX I submitted a check to PNC Bank for a balance transfer of {$5000.00}. I thought the promotion was until XXXX of XXXX, however it ended in XXXX of XXXX. The promotion included a 3 % transfer fee which would have been a {$150.00} fee. PNC did not notify me that the check was no longer valid because the promotion ended. Instead, they transferred the {$5000.00} and charged me a cash advance fee of {$250.00}. I was surprised they went ahead and did that without notifying me, and wanted to know why the check was processed if the check/promotion was no longer eligible. I was told that was their policy. I was told the fees and interest charges could be " stopped '' if I paid the full balance on the card, but I would still have to pay the {$250.00} fee. Their policy did not allow for any other remedy. I advised I would file a complaint, and to close my account and to remove my information from their databases. I was a customer in good standing, excellent credit rating, and never paid a minimum balance and always paid on time.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I completed all requirements for the opening bonus but have not received it. The terms stated that I had to maintain a {$5000.00} balance for my first three statements and complete 20 debit card transactions. The debit card requirements were completed on XXXX and XX/XX/XXXX and show up on the statement as Debit Card Purchase. On XX/XX/XXXX at XXXX, a customer service representative XXXX verified that my daily balance requirement was completed as the wording was ambiguous and since the account was opened at the end of a billing period, my opening deposit was deposited on the fourth day.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Monday XXXX XXXX, I was hired for a XXXX XXXX XXXX position, I went through the whole interview process, I signed contact, and everything seemed legit. The next day the sent me a check that I deposited for {$1600.00} I was told this would be the money used for my equipment and software that would be used for the position. The following day they sent me another check for {$1500.00} also deposited the check and put ached XXXX {$500.00} gift cards from XXXX because they told me this would be used for the equipment as well. I asked why they sent 2 checks and they stated that my deposit limit for my bank is XXXX $ so they had to split up the checks and at the time it all made sense to me. So I purchased the equipment and sent a total of {$3100.00} to the company and once PNC recognize those checks were fake and fraudulent they took XXXX $ leaving my account negative. I am now in a terrible position not knowing how Im going to pay for any of my expenses including my daughter. This is a nightmare and I dont know what to do. PNC denied both of my disputes. I filed a police report, sent them all the information I had of the scammers exc. I really need help.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2021 I entered an agreement and signed in good faith a contract with XXXX XXXX, property manager representing XXXX XXXX XXXX, to manage my property ( Guest house ) located at XXXX XXXX XXXX. They collected a check for the amount of {$950.00} and it has been cashed on XX/XX/2021. It was for paying {$600.00} for the city of XXXX XXXX XXXX registration processing fees and obtaining a short rental vacation permit and the remaining ( {$350.00} ) to be on hold for any unforeseen future repairs may be needed. I did confirm with the City of XXXX XXXX XXXX XXXX and nothing had been submitted for over a month and subsequently I incurred damage and financial loss of rentals income during the hot season. After numerous phones and emails, for several weeks XXXX XXXX, Director of XXXX XXXX XXXX XXXX informed me that they cancelled the contract agreement and do not wish to pursue anything further and hung up the phone. I called him back, left voice message and emailed him requesting refund of the service and had and processing fees which they never processed, and also requested from him to return the keys, contract I signed, destroy any confidential information including passwords and any other items. XXXX XXXX emailed back on XX/XX/XXXX that they will return the money but they never did. I made several requests but never received a reply or refund for the cancellation of the contract. At this time I urged PNC bank to dispute the transaction and was told in XXXX it will and have been waiting for the past 5 weeks. Yesterday I was informed by PNC bank that they denied my request and will not refund me the {$950.00}. I also request that XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX to return the following : 1-The original contract I signed. 2-A check for {$950.00} 3-My property key 4-Compensation and Interest for my financial loss of vacation rent. 5- An apology and statement that they will not DECEIVE further homeowners and to improve their treatments
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Three disputes were filed with PNC. The most recent approx XX/XX/XXXX regarding XXXX for {$75.00}, the Second was a XXXX transaction to XXXX XXXX on approx XX/XX/XXXX for {$100.00} and the third to XXXX XXXX XXXX on approx XX/XX/XXXX for {$17.00} and change. PNC already declined two of the three without ever contacting me with questions, accepting documents related to the claims or discussing any details whatsoever. Their customer service employees in the branches and by telephone refuse to provide telephone numbers to the dispute department and state " they are a third party and they will not speak to you. '' My checking account has been overdrawn at least one week due to the XXXX and XXXX transactions and unusable. XXXX took {$75.00} from my account though service was never started, equipment never connected, and I never lived at the address. The XXXX transaction was for a rental property application which was never processed, the individual did not contact me and tell me and it was discovered after that the business she lists as hers which she works under has been inactive since XXXX. The XXXX XXXX XXXX payment was for a newspaper subscription which I never received, not one single issue. They gave a partial refund of {$8.00} and change. PNC made me refile the claim 4 or 5 times but every time declined it saying I gave an incorrect reason for the dispute.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A