Date Received: 2023-11-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have a checking account with PNC Bank, the company I work for pays me with a check and every time I deposit my check the money is available the very next day except my most recent check which I deposited on XX/XX/2023. The next day I get a message from PNC Bank saying that my deposit is being held for reasons beyond their control but when I called my boss ( check issuer ), he called his bank and the said that the check was paid the same day it was deposited. So why is PNC holding specially when I live paycheck to paycheck and I have automatic payments coming after my deposit? PNC Bank then decided to pay the items presented as automatic withdrawals and then proceeded to charge me {$36.00} as overdraft item fee. This is a practice I have seen other banks do because they have done it to my spouse and I think it should be illegal.
Company Response:
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, a wire transfer of {$15000.00} was received from my investor to support the initiation of my business. The funds were promptly cleared and made available on the same day. However, on XX/XX/XXXX, the PNC investigations department unexpectedly froze these funds without providing any verbal or written explanation for the hold. Both the sender and I have made multiple attempts to contact PNC in order to verify the legitimacy of the funds and demonstrate that there is no fraudulent activity involved in this transaction. After reaching out to the sending bank, Bank XXXX XXXX, I was informed that all funds have been thoroughly verified and the case has been closed from their end. Despite our efforts, PNC continues to withhold my funds without offering any justification. This situation raises concerns of potential discrimination, as I have been fully transparent and cooperative throughout this process, as has the sending party. It is disconcerting that PNC persists in holding my funds without providing any explanation. Due to these circumstances, I have been compelled to postpone the commencement of my new business venture. The entirety of this situation is truly disheartening.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Went to XXXXXXXX XXXX XXXX XXXX XXXX bought {$10.00} gas from pump using a PNC prepay card. Was charged {$50.00}. Called customer service XXXX XXXX XXXX. Pnc address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. CSR asked me to verify a couple transactions. She said that when you pay at pump the company will put a hold on entire available balance. I asked why she said because people dont pay all the time for gas using the card. I asked when I will get my {$40.00} back she said by 7 days or whenever it gets corrected.
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My pension check which is direct deposited to a checking account at PNC Bank on or a day before the first of each month was deposited and withdrawn three times between XX/XX/23 and XX/XX/23. PNC does not know where the money is and refuses to research further. They have sent me back to the issuing entitiy, XXXX, who manages my pension. This was the day of the ACH processing error.
Company Response:
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new Business Checking account with PNC on XX/XX/23. I was excited to start my new account with a company that is for small business. I then made three transactions to deposit money into this account. On XX/XX/23 I moved {$5000.00} into this account through a transfer from another bank account I own. On XX/XX/23 I moved {$10000.00} into this account through 2 cashier checks. These were banks that I had closed out, and I immediately took the cashier checks to PNC. On XX/XX/23 I moved {$89000.00} into this account through a check from my personal bank account. I had to move money from a personal savings account, into my personal checking account. I then wrote my business a check from this account. My financial advisor told me it would be a good idea to move the money I had saved for buying a house, into my new PNC account. Since my business shows more income and it would allow me to get a home loan. Fast forward to XX/XX/23, I go into the bank and ask to get a few checks. I have some bills I need to pay. The teller notifies me that she can not give me a check and that my account is frozen. I am now trying to figure out why my account is frozen. The only thing they have told me is that they think it is because I had large deposits to a new account. Which I have a paper trail for everything I have deposited... But if this is the case, it is very frustrating that I have been given no update on this. I was never told my funds would be frozen. I was never asked for any information or documentation. If bringing my hard earned money over to their account is an issue, I will gladly close my account and go elsewhere...
Company Response:
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have had a PNC credit card for years. It is set up for automatic payments. As far as I can remember, I have never missed a payment. today I tried to use the card, and it was declined. The card had not expired, according to the date on the card. I went to the website and saw nothing about the card being declined. I tried the chat rep ( XXXX XXXX ) and she said PNC had no record of a decline. Meanwhile, I noticed there were two accounts listed on the site, not the single account I was familar with it. One account was marked " closed '' but I never closed my account, nor did I apply for a new one. It appears PNC replaced my old card with a new one, for no evident reason. Worse, it appears they transferred the balance on the old card to the new card, which I never authorized. Worse still, they did not set up automatic payment on the new card, and it is now past due with finance charges. I never authorized this new card, nor did I receive notices or statements. It appears to me PNC is churning cards to force fake finance charges I was given no notice or warning of any of this, and XXXX XXXX could not or would not give me any information. She asked me to call ( XXXX ) XXXX. I tried that, but all I could get is a series of recorded advertisements. I tried to click through the ads, and the call was dropped.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Electronic communications
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: PNC BANK HAS REFUSED TO PROVIDE ME WITH REQUESTED DOCUMENTS REPEATEDLY AND CONTINUE TO HARASS AND TEXT ME ABOUT AN ALLEGED DEBT I DO NOT OWE. THEY ARE ALSO REPORTING THE INFORMATION TO THE CREDIT REPORTING AGENCIES. THEY ARE IN VIOLATION OF THE TCPA ACT.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2023 an item was returned and credit of {$21.00} should have been applied to my account on XX/XX/2023 by the bank system. However, the bank would not release the funds and told me that it is not available and marked it as pending until XXXX XXXX contacted the bank and they said it could take up to 5 days. They also said that my account was compromised again. On XX/XX/XXXX I made a transaction in the amount of {$43.00}, {$3.00}, and deposit of {$45.00}, {$39.00} but the bank illegally applied the transactions for XX/XX/2023.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: As a long time PNC customer of 2 decades or more including XXXXXXXX XXXX I am filing this due to the lack of resolution of a floating $ XXXX that has impacted my credit score and financial reputation/ status with creditors as well as lack of service recovery. As a registered nurse in administration I am very aware of how important customer service and empathy are to clients and I have not experienced that with my assigned PNC case manager the past two months. This unresolved issue has been ongoing since XX/XX/XXXX so I will try my best to abbreviate the timeline. Let me preface this by saying, most every PNC frontline representative I have interacted with has been extremely polite, providing personal attention and demonstrated empathy and care. But XXXX XXXX my assigned case manager ( XXXX ) has not. If he is good at the technical and operational aspects of his job, great ; but he should not be front facing with customers. He has been terse, displaying little to no empathy, inattentive and documented in my case records/notes that he called me and left a message when he did not. Abbreviated timeline as follows : XX/XX/XXXX - $ XXXX balance transfer check deposited into PNC ATM at my place of business ( XXXX XXXX ) XX/XX/XXXX check cleared and deposited into my PNC checking XX/XX/XXXX $ XXXX payment to XXXX XXXX from my PNC checking XXXX $ XXXX Check returned to maker ( XXXX XXXX XXXX ) RESULTING IN MY ACCOUNT OVER $ XXXX IN THE NEGATIVE XX/XX/XXXX Three PNC overdraft fees of $ XXXX generated XXXX Pulled $ XXXX from my personal NON-PNC savings accounts and deposited into PNC checking to cover the negative balance and cover automated withdrawals i.e. bills and mortgage XX/XX/XXXX XXXX provided me a Banks Claim of Later Return document verifying that PNC ( XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ) requested the funds back on XXXX after they were returned to XXXX XXXX XX/XX/XXXX Spoke with XXXX @ PNC who informed me the $ XXXX was sent back to XXXX on the XXXX and it should take 3-4 days. XXXX XXXX never received ; balance remains on my XXXX credit card. XX/XX/XXXX After complaining about not hearing back from XXXX XXXX PNC XXXX he returns my call and tells me the $ XXXX was NOT sent to XXXX on XX/XX/XXXX as I was originally informed and now I needed a letter of indemnification. As mentioned, I am a long-time customer who uses PNC as my primary banking institution and my home mortgage is with PNC. Now I am at a complete loss and convinced I need to refinance my mortgage and move my banking business elsewhere. In addition to the $ XXXX, there is the {$1000.00} balance transfer fee, {$69.00} late fees, {$32.00} interest charges, totaling {$22000.00} owed to XXXX and reflected as a balance owed by me. Additionally, the {$100.00} PNC overdraft fees. Lastly, my credit score is now XXXX.
Company Response:
State: OH
Zip: 45242
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Delays in the application process
Consumer Complaint: XXXX XXXX In XXXX XXXX I received a solicitation call from the individual listed below asking me if i need any help with my business. I explained that i was interested in purchasing a property but as it was commercial i dont think they can help me. The Individual stated that they do commercial loans but its rare. She requested that i send her as much information that i have about my finances including an executive summary i completed. On XXXX XXXX she stated that she is in receipt of the info and that she would be in touch. I have tried several time to get in contacted by email or call. she is slow to respond, and she stopped calling altogether. I also was contacted by a " branch in NY '' asking me if i was being helped but frankly i started to think i was being scammed and i sent her all my info, including that of my spouse. The last time i called it forwarded the email to another person because she was on vacation. However since I dont have an official application i didnt think he could help me. Vice President Business Banking- Relationship Manager PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX PA XXXX P : XXXX F : XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A