Date Received: 2022-03-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Dear XXXX, XXXX XXXX : My account shows " XXXX '' balance. I started calling customer service center many times. They said they can't explain. XX/XX/XXXX Visit branch office. They said I have to wait for 2 weeks. XX/XX/XXXX Branch office called me and ask to close my account XX/XX/XXXX : PNC charge me total of {$400.00} for closing fee. XX/XX/XXXX : File complaint for why they charge {$400.00} and why they never notified me? XX/XX/XXXX File complaint again. XX/XX/XXXX Case manager told me I have to ask branch office for refund and do not contact them any more. XX/XX/XXXX : Verified with XXXX branch officer XXXX XXXX XXXX for refund, and she said it ss " very unprofessional and they have no authority ''. XX/XX/XXXX : PNC offered me {$84.00} for return. and I said " NO '. I should not charged for service which I never used. Hope there will be no more innocent victim like me. Thanks for your kind support and helping. I can send all documents to your office upon request. All the best. XXXX XXXX ( XXXX ) XXXX XXXX
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promo offer from PNC, my personal bank, offering 15 months @ zero APR with a 3 % or {$5.00} fee, whichever is greater on balance transfers. Ill note this bank has been after me diligently to secure a card with them for the past year. Upon completing the application process with a work from home individual, & Ill note here I allege he was drinking as I could hear him drinking & the slurring was getting worse as the call proceeded. He & I worked out the approximate fee for the {$3800.00} I was going to transfer from my XXXX XXXX account. This is a classic bait & switch tactic, as I could have elected to use any of my other two bank cards to make the balance transfer & not had my credit score impacted. Im very XXXX off & Im really interested in knowing how your agency is going to help me.
Company Response:
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Funds are being held by PNC Bank even though the XXXX XXXX was declined. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PM XXXX {$7400.00} XXXX XX/XX/XXXX XXXX - Visa Declined Sale XXXX XXXX XXXX is not the issue. PNC Bank is the problem!
Company Response:
State: VA
Zip: 22602
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This complaint is about the PNC Bank-XXXX credit card policy involving abusive consumer payment due dates. I have been a customer/depositor of PNC Bank for over 30 years and a PNC XXXX credit card user for at least 15 years. During this period I have made timely monthly payments in full for my monthly credit card charge balances. I make these in full payments each month, in person and by personal check, at my local PNC branch bank so that I can obtain a written receipt acknowledging my timely payment in full for the monthly balance due. For the month of XXXX, XXXX, my XXXX payment was due by Sunday, XX/XX/2021. When I arrived at my local PNC branch bank on XX/XX/XXXX, I discovered that the branch was closed because it was Sunday. On the next business day, Monday, XXXX XXXX, I paid my monthly balance in full in the amount of {$190.00}, at my local PNC branch bank. In XXXX, XXXX, I received my monthly PNC-XXXX credit card statement for the period ending XX/XX/2021. The statement included a late fee of {$27.00} along with an interest charge of {$4.00} because I failed to pay my XXXX, XXXX balance by XXXX XX/XX/2021. Thereupon, I called the Visa customer service department, seeking a reversal of these abusive, egregious charges in the total amount of {$31.00}. Finally, upon my demand, I was connected to a customer service supervisor who had the authority to extend to me a " one time courtesy '' of removing these charges from my account. This reversal resulted in a balance due on XX/XX/2021 in the amount of {$190.00}. This sum was paid by me on XX/XX/2021.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I Was just scammed for {$1400.00} by an ad on the XXXXXXXX XXXX XXXXXXXX site on XXXX A local community group that has never been a problem for me. The date was XX/XX/2022 The person was identifing as XXXX XXXX, she is not the scammer but her identity was stolen by the scammers. The name of the person I was to send the XXXX to was a different name, however I thought it may be her maiden name being used for the transaction, it did not seem unusual as people often shorten or use maiden names on there XXXX profile and there full names on banking transactions. The address was a XXXX, VA Address and the home at that address was just put up for rent so it seemed legit. This was a high level scam with many layers and the red flags only showed once I paid. I bought items and paid with XXXX via PNC mobile banking app. I have bought from this site before as these people are my neighbors. I was given an exact address to pick up from. Now I find out PNC Bank and XXXX may not refund money.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank are scammers and gougers! They are trying to increase my fixed rate loan to 8 %! The prime rate is currently 3.25 %! This is outrageous. They stated the bank didnt want to lose money and I am stuck in my variable rate loan, with no control. I contacted them today XX/XX/07 to make sure my entire HELOC loan could be switched to a fixed rate, to lock in rates before they rise. Id have to be insane to lock in an 8 % interest rate. They said they could raise it as high as 24 %, which is predatory. They stated they sent out letters warning clients to lock in rates now, I never received any such letter. The feds have only raised rates once this year, and it certainly wasnt to 8 %. This sickens me and if I could turn back time I would NEVER choose PNC Bank. I am stuck with them and our HELOC loan as well for 178 months.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made my XXXX mortgage payment like I do every month on the PNC bank website. I clicked on my external account name linked to my personal checking account with wells fargo and clicked pay. In XXXX I went on the PNC website to do the same thing and noticed that my XXXX payment was returned unpaid by my wells fargo. I contacted PNC to see why because I had enough money in my XXXX XXXX checking account to pay that XXXX payment. The PNC rep told me that the account number was wrong. I responded, how could it be wrong I've been making the mortgage payment the same way with the same account since the mortgage started. After numerous phone calls ranging from 45 minutes to 2 hours and 34 minutes, We discovered that someone, we don't know who, entered 3 account numbers, two of which had the incorrect XXXX XXXX account number, and my name was misspelled on three of those accounts. So when I wnet to pay my mortgage, I unknowingly clicked on one of the 2 accounts that had the wrong account number so PNC never got the money. Finally after a 2 hour and 34 minute phone call with 6 different people, PNC and I worked together on line to have the other accounts deleted, and the problem has finally been solved, I requested to have the late fees reversed since I did not enter those incorrect account numbers and the incorrect spelling of my name. On one of the accounts it list my middle initial, which I never ever ever use. They are refusing to credit me the late fees. I have only two theories... One, my account was hacked into, which to me makes no sense since they would have nothing to gain but to cause confusion and chaos. Two, Which makes sense to me ... ..PNC did it themselves to create the {$81.00} late fee. If they do that to just 100 of the thousands of costumers they have, they would create an additional {$8100.00} of revenue to their bank. And it happened to me twice for a total of {$160.00}. That might seem hard to believe by most people but if you've watched enough XXXX XXXX Documentaries like I have, you would know that XXXX XXXX does this all the time in the name of profit. How the Tobacco companies that lied to the public about the cause of XXXX from cigarettes ', How the chemical companies lied about the XXXX causing agent XXXX, and let us not forget about XXXX XXXX 's predatory loans which I'm sure your agency is well knowledgably about. So, in summery, I would like th CFPB to look into PNC Mortgage accounts and to see if there is a pattern of these mystery account names and numbers and any unusually high amounts of late fees they are collecting from their customers
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/21 XXXX, Ga- discovered check I mailed was stolen from mailbox. Pay to and amount was changed and it cleared my account. Reported immediately to XXXX XXXX XXXX to open fraud case. They said they had 10 days to research. Called back after 11 days and they said they had 30 days. 30 days later was told by email needed to send notarized affidavit which I did, now XXXX XXXX XXXX is saying theyve turned it over to PNC the bank that cashed the altered check and PNC is saying they have 120 days to research. In the mean time, Im out XXXX that hasnt been restored to my account. Trying to find out what I can do to get this corrected.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened PNC bank virtual wallet account based on account opening bonus offer sent to me at my home address. I meet all terms and condition listed in offer document but did not received bonus amount. I contacted PNC twice to resolve issue. PNC responded to my complaint on XX/XX/2022 stating that my bonus is declined as it was for existing customer, but it is not stated in offer sent to me ( offer letter attached ). I want my bonus {$400.00} account opening bonus.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: This would represent the 1st of a few complaints. In XX/XX/XXXX, I purchased a {$18000.00} certificate of deposit. As I can remember, I was told it was a tax write-off. I was also told it would automatically renew ever 5 years. What I was not told was, if the bank is sold, I will not be able to get my money back. From what I gathered, XXXX Bank sold out to XXXX and XXXX sold out to PNC Bank. I have other information that state that XXXX Bank sold out to XXXX Banks. in XXXX, i was losing about {$40000.00} per month in the violation of the RICO Act and in violation of 18 USC 1956 " money laundering or proceeds form specified unlawful activity with XXXX Bank facilitating those crimes. That is in another complaint against XXXX Bank. I do not think it is felonious activity should be excused when public officials/ court officers are involved. I have included the Certificate of deposit that I never collected from. I did hire a lawyer and was still unsuccessful in getting my money. My understanding from my lawyer is that PNC sent bulk money to the NC State treasury without identifying information with it. The State want a letter for PNC stating what batch of money my money was in, PNC refuse to provide any such statements. we as citizens work to have our money stolen, than we are expected to pay more money trying to get back money we have already worked for. That is starting to look a lot like slavery involuntary servitude and racketeering facilitated by the Banks, we work and they take the money. I am a farmer, a licensed general contractor and father, I do not know how to deal with banks who intentionally ignore the CFR regulating the banking industry. In all, we are out about {>= $1,000,000} from the time I purchased that certificate until XX/XX/XXXX. considering what all that has happened related to Banks, money laundering and the violation of the RICO Act, after the lost of this {$18000.00} plus interest, I feel this is a common practice in banking in the united Sates to perpetuate slavery. it is my firm belief that the State of NC facilitate the banks and lawyers in stealing millions from the XXXX community with impunity. I firmly believe these acts are intentional acts to harm the economy for XXXX citizens in NC as was done in the XXXX XXXX XXXX, they are still doing the same thing in XXXX
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A