Date Received: 2023-11-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Chat with XXXX XXXX that a illegal EFT was initiated and refused to be corrected causing a stat damage of XXXX, Under the EFT Act ( i ) An unauthorized electronic fund transfer ; ( ii ) An incorrect electronic fund transfer to or from the consumer 's account ; ( iv ) A computational or bookkeeping error made by the financial institution relating to an electronic fund transfer ; ( vi ) An electronic fund transfer not identified in accordance with 1005.9 ( https : XXXX ) or XXXX ( a ) ; ( https : XXXX # a ) or ( vii ) The consumer 's request for documentation required by 1005.9 ( https : XXXX ) or 1005.10 ( a ) ( https : XXXX # a ) or for additional information or clarification concerning an electronic fund transfer, including a request the consumer makes to determine whether an error exists under paragraphs ( a ) ( 1 ) ( i ) through ( vi ) of this section. Account Agrement Section ( iii ) electronic bank Section 1., F and Section 4 of the overdraft protection agreement gives I/we the right to revoke and or Modify. Section Article 1 of the PA State Constitution, Common Law Tort Invasion of Privacy intrusion upon seclusion, Unfair Trades and Prectices Act and applicable case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breech of contract!
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had a checking account in PNC. The bank unilaterally decided to close my account with {$3200.00}, without properly notifying me. When I inquired the bank about my funds, they stated that a check was sent to an address in XXXX, instead of my address here in the XXXX. When I requested a copy of the check, the check was deposited by XXXX XXXX ( not me XXXX XXXX ) in Bank XXXX XXXX. I have submitted multiple complains to PNC Bank and they have not been able to solve the issue in over XXXX year. Based on my interactions with PNC Bank employees, I believe that XXXX or multiple employees from this bank must be involved on the issue and XXXX sure XXXX not the only person that has been affected.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I received a letter from PNC Bank today, XX/XX/XXXX, stating " Here 's your NEW Prepaid Card! NOTE : your ACCOUNT ACCESS CODE is the last XXXX digits of your Social Security Number. USE the ACCOUNT ACCESS CODE to activate your card and obtain account information. Who sent this to me? I never asked for it. Somewhere later in the XXXX pages of information in the mail I received it said to call with the last XXXX digits of my SS number and the number on the XXXX Debit card which is XXXX XXXX XXXX XXXX with text " good XXXX XX/XX/XXXX and XXXX XXXX '' There was no information about me when I entered these XXXX items, ss and card numbers. So is this all just a scam to get more personal data on me by making me visit www.prepaidcard.com, giving my personal information, getting a pin in response. SCAM! Who gave me a prepaid card? How much is on the card, something or nothing, How can I tell without going through the entire process of activating a card I never asked for and do not want! Another text on one of the pages said to complain to CFPB and gave the web address as cfpb.gov/complaint BUT do a google search for the Consumer Finance and web address is not XXXX but XXXX leading to more confusion and disbelief. Automatic voice response when you call the telephone nuber PNC Bank supplies in the letter and it talks about consumerfinance.gov Why 2 different web addresses?
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: An account was closed with PNC bank. Banker closed account and even went as far as to issue me a check for remainder in account. Several weeks I was told I owed them XXXX dollars for something they believed to have come out of the account within XXXX of all agreeing it was closed, I PAID the amount they said was owed ( begrudgingly ) I was told that was it... Since then I have received calls, letters, and more calls regarding the fact I am late on payments to this " debt ''. Each time on a recorded line it has been researched and found that YES DEBT IS PAID and closed with a thank you XXXX XXXXXXXX thank you and we are sorry for the call and this wont happen again. And then a few days later it starts all over. I pay my bills and am up to the point of seeking legal retribution for the harassment and mental anguish this has caused. This matter has gone thru many channels at PNC and still this continues. If a banking institution has this lax of bookkeeping and even after several people thru phone and in person, I personally glad I have moved my banking elsewhere. I am tired of the Harassment and possible harm to my credit caused by PNC XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 45601
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2019 an automated charge for {$390.00} was placed on my PNC credit card which was erroneous and not authorized and requested the bacnk reverse the charge back to the vendor. PNC said the matter should be worked out with the vedor and I advised them that I did not have any contact with the vendor regarding the charge and ask then to reverse it. They refused to reverse the charge and subsequently reported the past due payment as delinquent and charged it off on their records earlier this year. As the charge was erroneous and not authorized I am asking they remove the delinquency status for the account along with the reported charge off that has been reported to the credit bereaus as unpaid as they should have never allowed the charge to being with.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was job scammed off XXXX. I was sent a check in the amount of {$4800.00} to deposit on XX/XX/2023 to start getting what I need to start work from home. I purchased a XXXX XXXX for {$1300.00} at the XXXX XXXX. Sent that device overnight through XXXX so that vendor can upload the software needed to get started in the amount of {$230.00} was the overnight XXXX cost. I also XXXX {$500.00} on XX/XX/2023 to another vendor to help with set up cost. I was told I needed to send a cashiers check of the remaining funds of {$2200.00} on XX/XX/2023 for my XXXX XXXX to be set up with software. I sent the cashiers check overnight by XXXX in the amount of {$92.00} on XX/XX/2023. After all these transactions were made the check bounced and was returned on XX/XX/2023. This left me with no help and depleted funds in my account, trying to get a part time job I was left responsible from a scammer.
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: We are a XXXX XXXX XXXX XXXX XXXX who have been in business for over 40 years. We have a very high annual revenue compared to our working capital, which means that money moves in and out of our account very quickly. PNC has withheld over XXXX XXXX XXXXXXXX of our company 's money for over a month and refused to let us withdraw even a cent. PNC has done this without providing any reasonable justification. PNC is withholding our operating capital, which is vitally important for business operations. PNC is effectively stealing countless XXXX XXXX XXXX in interest and opportunity costs. They have not agreed to pay us interest on the money. Our first deposit with PNC on was on XX/XX/23. We made roughly XXXX large deposits from XX/XX/23 to XX/XX/23. We would transfer the money out of the account in batches to our main account to purchase additional XXXX and XXXX bullion. On XX/XX/23 we began experiencing several returned checks. On XX/XX/23 we had XXXX checks return with return code " XXXX ''. This is very uncharacteristic of our business and our customers. After following up with our customers, they informed us that the funds were available in their respective accounts, but the checks were returned anyway. After the items were returned, PNC placed a hold on our account. We made a call to customer service and PNC agreed to remove the hold. We explained that the account had never gone negative despite the return items and that we had left a large safety buffer in the account specifically to protect against returned checks, as we had previously experienced approximately XXXX returned check every month or so in previous accounts ( this is a very low frequency considering the volume we do ). Over the next month we continued making deposits of similar volume, and checks continued to be returned with the XXXX code despite our customers promising the funds were available in their accounts. After a serious discussion with our banking contact, he informed us that the likely reason for the returns was that our customers were endorsing the checks to an abbreviated name for our company rather than the full company name. We have had customers write checks out to the abbreviated name for the past XXXX XXXX with other banks because it helps avoid mistakes with customers who do not speak XXXX as a first language. We did not expect this to cause problems at PNC. We ultimately decided that we would ask our customers to endorse their checks to our full and unabbreviated company name. We had XXXX more returned item after implementing this policy from a batch deposit made on XX/XX/23. After the item was returned, PNC placed another hold on our account, which at this point contained oveXXXX XXXX XXXX XXXXXXXX XXXX. About a week later, PNC informed us that they would be ending the business relationship with us and that we were free to withdraw the funds. At the recommendation of the back office and the branch manager, we agreed to withdraw our funds via cashier 's check and part amicably. On the final approval step for the cashier 's check, the back office informed the teller that our cashier 's check was denied. Later that XXXX, a second hold was placed on the account. It is now over a month since our last deposit on XX/XX/23 and we still do not have access to over hXXXX XXXX XXXX XXXX in funds. PNC will not give us a valid reason to hold the funds. They have stated that it is due to the returned items, but the account has had not activity for over a month so there is no chance for any more returned items. This is our operating capital, which is vitally important for our business operations. PNC is effectively stealing countless XXXX XXXX XXXX in interest and opportunity costs. They have not agreed to pay us interest on the money and have provided no date when we will have access to our money.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Between XX/XX/23 and XX/XX/23, PNC Bank and XXXX XXXX XXXX XXXX XXXX allowed mobile deposits of stale dated checks and checks that had previously been cashed to clear from my business debit account. The stale dated checks totaled {$7300.00}, and the double-cashed checks totaled {$4000.00}, which makes the grand total {$11000.00} by my calculations. XXXX XXXX XXXX worked to dispute and return the double-cashed checks, but PNC told them that they refuse to return the stale dated amounts since they weren't fraudulent. These checks were generally between 1-2.5 years old, there were nearly 60 checks in total.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Attempted to schedule payment for the credit card on two days before payment was due. Payment source comes from the checking account with the same bank. Website did not allow me to select the due date of the payment, instead only allowing me to select the day following the payment ( which was 3 days from the current day. ) I had never seen this before as normally I could select payments even the day of as long as it was before XXXX. I selected the earliest date available, with ample funds in my account to cover the cost, and figured since that was the earliest day they offered they certainly couldn't blame me for the payment. They proceeded to charge me a late fee and interest on the total amount of the card, amounting in total to ~ {$50.00}. I called them and attempted to have this resolved. They elevated it but eventually told me that I should have called them when their website wouldn't allow me to make the payment on the due date, and that they would not be refunding me the fees. This is ridiculous of course - their website failed ( and continues to fail, I verified this new " 3 days out '' payment limit is still in place as of early XXXX ) to provide me the correct date.
Company Response:
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: Loan transferred from XXXX XXXXXXXX XXXX ( XXXX ) to PNC Bank effective XX/XX/23. Received letter in the mail from XXXX on XX/XX/23 of notice to transfer and that payments are due XX/XX/23 to PNC Bank. On XX/XX/23 I contact PNC bank at the number provided in the XXXX letter to ensure I pay my mortgage on time on XX/XX/23. PNC tells me there is no way for me to pay my mortgage to them until XX/XX/23 and that at that time I could go online and put in the new loan number ( provided in the XXXX letter ) and pay online then and not to worry because there would be no penalties for 120 days on this loan transfer. On XX/XX/23 I go to pay my loan online and the loan number is not working. I call PNC on XX/XX/23 and XXXX explains that these loan transfers sometimes are problematic but after a while we get it figured out and I make my payment. I also discuss with XXXX a letter I received on XX/XX/23 that says in order for my automated payment process to continue I had to sign and return a form in the mail. He said that is necessary to continue the auto deduction and unless I signed that authorization and returned it to PNC the auto payment I set up with my previous mortgage company would not continue. I asked if I could just set up auto pay on my own online after this initial payment is made for XXXX, and he said yes. I then made my payment online on XXXX with XXXX 's help. I also felt confident that I could set up the auto pay, if I want, going forward. Then on XX/XX/23 PNC processes an additional XXXX unauthorized automated payment deduction for another loan payment. I get an alert from my bank that I am overdrawn on my checking account. I call PNC immediately around XXXX MT. I speak with XXXX who is truly trying to help me but per PNC policy she says, we made a mistake and that she would escalate the situation to try to get me my money back. I said just reverse the transaction and we would be good. XXXX hours later and no response from PNC, I call back to XXXX who is still waiting on a reply from the escalation. I told her I am in a dire situation. She just said I am sorry but these escalations typically take XXXX hours. I asked if I could talk to a supervisor to further escalate, but I was told that was not an option. PNC then said that they made a mistake but they could not reverse the transaction without my bank providing something to them that required me to physically go my bank, and then after that PNC then would need a letter from the bank about something that I did not understand. I said why? You took the money without authorization why do you need authorization to reverse it from my bank? I was told that is the PNC process. It is interesting that they can take the money from me without my banks or my authorization but they need some kind of authorization from my band to give it back. I would love to understand that policy. I explained to PNC that I could not wait a week or maybe longer to get the money they took from me without my authorization. I asked why could they not reverse the unauthorized withdrawal as fast as they were able to make it. They said that was there policy. I tried escalating to no avail. I said how do I go to the grocery store to by food with no money and they said I am sorry. They would need a letter from my bank before they would refund the money that took with from me that PNC admitted was not correct. I asked how could that happen today. I was told it could not. I did tell them on the phone that I was charging them {$1000.00} a day interest for the loan and they laughed at me. they said that is their procedure. I told them in my opinion you stole money from me. I would like to charge them for theft if possible. I sit here going into the weekend with no ability to pay for anything unless I tap into investment accounts. I am so stress out I am not sure what to do. How is this allowed. If I went into PNC bank and took money from them that was not authorized, I would be arrested for bank robbery. How do I arrest or charge PNC for the theft from me? I absolutely would like to charge them for theft.
Company Response:
State: CO
Zip: 80130
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A