Date Received: 2021-12-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX To Whom It May Concern : I closed my PNC checking account in XXXX of XXXX. Once the IRS began distributing stimulus checks during the pandemic in XXXX, I was informed that they would first attempt to deposit the stimulus payments in the account that was on file based on your XXXX tax return. In my case, this was my PNC account that had been closed. The bank was supposed to reject the check and be sent back to the sender, at which point the IRS would issue paper checks. I never ended up receiving a deposit or check for the 2nd stimulus payment we received ( {$600.00} in total. ) So, when filing my XXXX taxes, there was an option to receive a tax credit if you did not receive the stimulus package, so, I received a {$600.00} tax credit. Now, the IRS started sending me notices stating that I was not able to receive the tax credit because their records show me receiving the {$600.00} stimulus payment. So, this implies that PNC never rejected the deposit which is why a check was never issued to me. Which makes sense, because I ran into the same scenario in XXXX of XXXX where PNC did not return a deposit back to sender which resulted a delay in the receiving of my funds and I am afraid I am in the same situation again. I attempted, multiple times, to contact PNCs customer service line, which is nearly impossible. I was on hold for almost an hour multiple times while not ONCE being able to connect with a customer service representative. I then proceeded to contact a local bank branch of PNC ( XXXX, OH XXXX ) and when I informed them of the situation, I was told that they did not have the capabilities to retrieve that information at a branch level. We then made an appointment for me to sit in while one of the bankers called an internal hotline they had that is not available to anyone other than employees. We then sat on hold for almost an hour and a half when we were finally connected with an associate. Their team was able to see that the {$600.00} stimulus payment was deposited into my closed account on XX/XX/XXXX, BUT, they did not have visibility as to whether or not the deposit was rejected and sent back or not. I was given a phone number to deposit services and was GURANTEED by the associate at my local PNC branch that this department would be able to see if the deposit was indeed rejected or not, and, be able to supply me with documentation stating it was rejected and sent back to sender if need be. I called deposit services on the morning of XX/XX/XXXX and was on hold for a while until I connected with an associate named XXXX. She was extremely rude and I could very well tell she was not interested in helping me in the slightest. XXXX informed me that because my account was no longer open, she is unable to supply me with that information because she has no way of verifying my information. So, I was lied to and deceived by PNC by them pointing me in the direction of deposit services. XXXX then referred me back to a branch to have them further assist me because, apparently, there was nothing else she could do. At this point, I have been thrown in circles by PNC with them refusing to give me any help whatsoever saying whether or not the check was rejected, or if they never did and they will need to send me a paper check. I need resolution in the form of a rejection report stating when the check was sent back to sender, and exactly when it was sent back, or, I need a check issued to me in the amount of {$600.00} because PNC never rejected it back as they should have. I received a notice that the IRS intends to seize my property if I do not pay them back the {$600.00}. I made PNC aware of this multiple times and still have yet to receive any answers. I was misinformed on multiple occasions by PNC bank employees as to how/where to get this information. This is a clear violation of UDAAP, FCRA, Reg E, and Reg CC at a minimum because I am, obviously, and purposefully being deceived so that the bank can keep my funds. I will continue to seek the return of my funds plus any attorney costs that may accrue. Please feel to reach out to me or my attorney XXXX XXXX XXXX at XXXX. Regards, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX CC : CFPB- Consumer Financial Protection Board XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio Attorney General State of Pennsylvania Attorney General State of NY Attorney General XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44240
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a Court Order, dated XX/XX/21, appointing me Guardianship of Estate & Person for my brother, XXXX, who has been determined, by XXXX XXXX, to be XXXX of XXXX XXXX XXXX XXXX. In my role as Guardian, I applied to the Social Security Administration to be " Direct Payee '' for my brother 's Social Security and Supplemental Security Benefits. On XX/XX/21, the SSA officially established me as my brother 's Direct Payee. My next move was to apply for XXXX for my brother to supplement his care. However, XXXX requires me to list my brother 's financial status, which includes the bank account where his SSA & SSI benefits have been being deposited. I contacted the SSA, and while they gave me a Bank name, BBVA ( now PNC ), and Account Number where the funds are being deposited, they told me that it is my responsibility to contact the bank and ascertain the balance, etc ...., in the account. On XX/XX/21, I visited the local PNC bank, told them of my situation and provided a copy of the Court Order and SSA letter appointing me as Direct Payee. The lady that I spoke with did locate the account. However, the address associated with the account is incorrect. She said that all correspondence from PNC Legal would be by mail. When I reiterated that the address was incorrect, she said, " well once the correspondence is returned due to an invalid address, that they would use the address on the SSA letter ''. Go figure? When I asked when can I expect to hear back from PNC Legal, she replied cynically, " there's no way to know when you'll hear from them. I visited the PNC branch again on XX/XX/21, with no results.
Company Response:
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XXXX XXXX, 2021 I received an email at XXXX XXXX est stating that my account was charged a {$36.00} overdraft fee. At the time my account sat at a - {$0.00} balance. No overdraft fee is triggered until the account is {$5.00} overdrawn. The bank decides which transaction to authorize and which to refuse at their own discretion, according to the agent I spoke with. So PNC Bank decided to authorize a {$5.00} transaction on an already overdrawn account, which allowed them to charge me {$36.00} because I was over the overdraft limit. It appears that PNC intentionally authorized a withdrawal on an overdrawn account so that they could deliberately push my overdraft amount past the limit of being exempt from an overdraft charge, so that they could charge me {$36.00}. Additionally, the email I received notifying me of the overdraft was sent outside of business hours as was the time of the overdraft fee being charged, which I received 30 mins later. I was not given timely notice which would have allowed me to make a deposit, covering the {$5.00} overdraft. This appears highly unethical I would like the {$36.00} overdraft fee removed so thank I may make a deposit to cover the outstanding overdraft amount.
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: The company I work for used PNC for our corporate credit cards but recently switched banks. I received a bill from PNC bank for {$780.00} which includes a {$15.00} " late fee '' for charges nobody at PNC has been able to explain to me. Back in XXXX of 2020 I had fraud committed on my card and I reported it to both PNC and my company as soon as I realized the fraud. The total fraud charges equal about as much as this mystery balance and I just need someone from PNC to speak with me. I have been hung up on twice, put on hold for 20-60 min multiple times and bounced from department to department with answers. I'm not sure what to do next. Literally ANY help would be appreciated.
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: As previously submitted, PNC is pretending that the options they gave me to deal with an outstanding XXXX loan were legitimate. When they, in fact, XXXX represent unlawful advice as they do not represent me in a fiduciary function. The neglected to act in a manner consistent with the purpose of XXXX loans and forced me to repay an amount that would later have been forgiven had they followed guidance from XXXX.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I received an invoice on BBVA credit card account in XXXX for {$32.00} with due date of XXXX XXXX, 2021. I sent a check through XXXX bank on XXXX for {$32.00} to address on invoicing. Toward the end of XXXX, I received communication through email of lack of payment from PNC Bank. I called and was requested I submit proof that payment was made. I mailed them the required documents. I then received an invoice in XXXX for {$130.00}, which instigated an immediate phone call to PNC Bank. I was told that once the PNC Bank received payments I would receive credit for payments made on time. They instructed me to pay the difference of {$100.00}. This was subtracting the {$3200.00} payment made and inoppropriate interest charge of {$.00}. I sent the check from XXXX XXXX for {$100.00} to address on invoicing for PNC on XXXX. Again the account was paid in full prior to due date of XXXX. Then in XXXX, I received invoicing for {$100.00}. They charged another {$1.00} intereston amopunt already paid on time. I called and was informed they had received the payments of {$32.00} and {$100.00} but the interest they claimed was owed even though I paid prior to due dates. They claim receipt was late which I don't believe was accurate, I paid the {$2.00} interest on XXXX XXXX in protest and notated this on check. I did not want any further extortion of interest from these XXXX. I feel a crime has been commited and that this practice needs to be rectified even if a lawsuit is extremely more expensive than the {$2.00} they have extorted.
Company Response:
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: PNC bank bought out BBVA approximately 6 months ago. It was a horrible transition to say the least. PNC offers XXXX XXXX to transfer funds to another acct, in this case, to our son out of town who banks at XXXX XXXX. This past two weeks I have been transferring funds to our sons account. He was receiving message from either PNC or XXXX XXXX ( not sure ) saying that the funds were " not collected '' and gave him a date to " collect '' or they would be sent back to my acct. Our son followed the exact instructions to no avail. Friday, XX/XX/XXXX I began making phone calls to PNC at the one and only # XXXX. I have NEVER had anyone answer at this #, just a message saying the wait time was 30 plus minutes or longer. Yesterday, however, a girl answered after the 2nd ring! XXXX proceeded to help me with the XXXX XXXX issue. She walked me patiently through the steps to delete the info, then, reenter it again and ASSURED me this would fix the problem! Within an hour of this, my cell phone started blowing up with calls from a PNC bank in XXXX XXXX XXXX, stating that my account had been SUSPENDED online, as there was some sort of security breach (? ) they didn't use those words, but implied the same. The phone # they called from was XXXX. They appeared to be working fervently on the problem and said it would be fixed yesterday. It was late in the day Friday but the girl said she needed to talk to a supervisor and assured me she would call me back Fri afternoon. I called back twice before XXXXXXXX XXXX. ( New York Time ), only to have them answer the phone with my name, then explaining they still didn't have a solution. I asked if this " problem '' would affect my checks from clearing, etc, they said NO. Now, I can not open my account online at all! When I try to sign on, I get this response -- '' We did not recognize the information you entered. Please check the information and try again. '' Unable to Sign On? Reset your online access now using your debit card or phone number in a few short steps! In order to sign on you must be enrolled in Online Banking. If you're not enrolled, click either the Personal or Small Business link under the 'Sign On ' button to enroll. Our son DEPENDS on this transferral in order to make his truck payment which will be due Mon, XX/XX/XXXX! This truck payment is automatically deducted from his checking and now he doesn't have the funds available in his acct!! I have never been so frustrated and upset over a so called BUSINESS treating customers as such! The local PNC here in XXXX, TX knows NOTHING ABOUT XXXX $ $ and could not help me! Really? Why were the BBVA employees NOT TRAINED for this and so many other banking issues? Instead, they gave me the XXXX number which rarely results in talking to a real person! I am XXXX XXXX XXXX, my husband XXXX. This is very upsetting to us. We are both retired and this is NOT ACCEPTABLE!! IF you check the PNC XXXX page, you will find MANY MANY PEOPLE WITH SIMILAR BANKING ISSUES/ PROBLEMS FROM PNC XXXX if not WORSE! Why is this bank able to do these sort of things and get away with it??? We want answers! I'm sure I could write more, as this was an ALL DAY incident, but I am so upset I probably couldn't remember it all. Please Help!
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My account was with BBVA and now I am told is moved to PNC. I have followed all the directions and tried calling PNC unsuccessfully on multiple occasions- their hold times are ridiculous ( 45 min without anyone answering ). I am trying to setup online banking and the information PNC has sent to me as well as the debit card number wont allow me to setup an online account. When I try calling I can not get any human to answer - it is infuriating that all during the hold times the automated message keeps reminding me that I should try their online banking for faster service. I need help from a human and have no more time to continue calling and holding ( one of the times I called and held for almost a half hour only to have the call disconnected ). What more do I need to do???
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I prepaid at an auto-loan at a PNC branch for a vehicle purchased from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I deposited {$3300.00} to the PNC branch in XXXX XXXX, XXXX PA and asked the bank teller if she could split the payment up and pay for an entire year. The teller told me yes and that it was absolutely something they do. ( I have loan history documentation. ) A monthly payment is around {$270.00} so I am covered until XX/XX/XXXX. Sometime in XXXX or XX/XX/XXXX I received a call from a PNC official regarding this transaction that there was a problem, but they would resolve it and split the payment among months for the entire year. Since then, no contact with PNC was constructively established. Today, XX/XX/XXXX as I was going to my car to go to work, I found that my car was repossessed. Immediately after this I went to a branch bank by my residence. The branch bank manager XXXX admitted that the branch bank employee notated that the {$3300.00} was supposed to go to a whole year of payments as opposed to the principal balance. Later, I spent hours on the phone trying to resolve this issue. Further investigation found that PNC had made three ( 3 ) payments and then put the rest of the amount towards the principal. I have talked to the PNC Repossession Manager XXXX XXXX, and she believes the PNC bank Branch banker at XXXX XXXX made a mistake and that I should request a refund of the principal balance. The car was released from repossession, but I still have to find a way to go and pick it up at my expense. No one I have talked to has any idea why PNC did not split the lump sum into separate deposits for each month. The retail and loan side of the organization has not, as of yet, addressed that they made a mistake. What the banker told me regarding the deposit on XX/XX/XXXX should be honored. This is a predatory lending practice and constitutes misrepresentation which I believe is currently under a strict liability standard in Pennsylvania. Because my car has been repossessed, I can not do my duties as a landlord, nor can I go to work. This has caused XXXX XXXX and real liability.
Company Response:
State: PA
Zip: 18015
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My existing credit card account with BBVA bank was acquired by PNC bank. This took place several months ago. Since then, I have been unable to login to my PNC online banking to access and manage my account. I am unable to update my contact information and home address. I am unable to check the status of my bill. I have been unable to see activity on my account, including no ability to monitor for fraud. In just one day, I have spend 2+ hours on the phone with various XXXX and departments trying to resolve the issue, but I am always transferred to another department and the issue remains unresolved.
Company Response:
State: MA
Zip: 02135
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A