Date Received: 2021-11-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 I contacted Pnc bank because I received emails from XXXX stating that I had unusual activity on my account and to change my password. I also notice that XXXX was missing from my bank account. Long story short someone hacked my personal information and used my bank information from XXXX to make a purchase on XXXX XXXX and had that item shipped to Texas. I have all the emails showing this. On Friday when I notice the money missing from my account I immediately contacted Pnc at XXXX am and reported the unauthorized transaction. The pnc represented told me that pnc was legally obligated to let the payment go through and that I will be given a provisional credit while an investigation is done and that I should also contact XXXX and XXXX and let them know what is going on ( which I did notify the other two companies ). I also immedialy removed my bank information form XXXX so that no one else will be able to access my information. The next day on XXXX/XXXX/2021 I noticed that pnc had took 33.00 from my account and charged me for a stop payment fee for the unauthorized transaction. I immediately called pnc and the pnc rep stated that when I called in the XXXX/XXXX/202 to report the unauthorized transaction it should have been put in as dispute and not a stop payment, the 33-dollar fee was refunded to me. Moving forward on Monday I called PNC to see if they needed the emails from XXXX that I received showing that my account was compromised and the rep told me that XXXX XXXX had sent me a refund and that they were aking back the provisional credit and closing my dispute. I looked on my online backing and there was a credit for XXXX. I then proceeded to go on my XXXX account to close my account due to my personal info being compromised and my XXXX account is now in the negative XXXX. I immedially called XXXX and XXXX rep said that pnc withdrew the funds paid to XXXX in the amount of XXXX ( I am assuming it was a stop payment the pnc escalation department never called me back ). XXXX stated that being that they paid XXXX XXXX for the unauthorized transaction and pnc retracted the payment I am responsible for the money that pnc took back. I explained to XXXX that It was an unathorized transaction and I have filed multiple disputes with XXXX as well for the unauthorized transaction each time getting denied. After speaking with XXXX I then called pnc and spoke to a supervisor that informed me that there was not a stop payment made and that XXXX refunded my money. The supervisor stated that the money absolute went to XXXX and to send them a copy of my bank statement showing that the funds was withdrew ( which I did ). I also requested multiple times for the escalation department from pnc to call me which they have not. I then decided to call XXXX XXXX to see if indeed they refunded me the money and the rep from XXXX XXXX stated that they were trying to process a refund, but the transaction was denied ( probably because I removed my bank info from PNC ). I was told that I would receive a call within 24 hours which I have not and have called multiple times and have been getting the run around from XXXX XXXX in regards to a refund. I called pnc on XX/XX/2021 and explained all this to the rep and she basically said that pnc did their job by giving me money back ( stop payment ) and that they can not help with the money they withdrew from XXXX ( that I now owe for unauthorized transaction ). If I am not able to recoup funds from XXXX XXXX I am now responsible to pay XXXX for a transaction that I did not make. ( which XXXX cant get anyone to call me back from this company either. My issue is 1.st the stop payment should not have been made if pnc was legally responsible to pay for the unauthorized transaction. The stop payment has caused a whole another issue. ( now I owe XXXX for a transaction that I did not make ) 2nd PNC closed my dispute stating that XXXX refunded my money but in reality pnc did a stop payment and recouped the funds. 3rd now pnc is claiming that they can not help me with another dispute because they got my money and put it in my account back which makes no sense because If I am not able to recope the funds from XXXX XXXX, I am now responsible to XXXX XXXXXXXX XXXX for a transaction that I did not make. ( because pnc took back from a stop payment. ) XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I wrote a check to my land lord for the month of XXXX XXXX XXXX for {$570.00} and it was cashed. It was not cashed by my land lord but by a Construction Company illegally. I had to write XXXX to replace XXXX for {$570.00} to my land lord and it was cashed correctly ; by my land lord. *At the same time this was happening in the month of XXXX, my land lord was calling looking for XXXX rent, I had already issued out my rent check for the month of XXXX, which was XXXX for {$570.00}. At that time he indicated that my rent was being raised to {$600.00} a month because of this. I supplied the cashed check showing it was cashed illegally by the Construction Company. Didn't matter so I had to issue XXXX for {$600.00} for the month of XXXX. On XXXX/XXXX/21 a deposit was issued into my acct. for {$570.00} and XXXX/XXXX/21 for {$570.00}. On XXXX/XXXX/21 {$570.00} was removed from my account as a debit by PNC. Now I am being told that my land lord has the extra {$570.00} that I am owed and I can't get something in writing explaining what happened. My land lord believes he has no extra money and expects XXXX rent. Today 's explanation was that even though the Construction Co cashed the check it still came out of my account. The {$570.00} that was removed XX/XX/21 is my actual money. 1. this should of never impacted my account in the first place. 2. I want an detailed explanation for my records & to supply my land lord who will try to evict me over this. 3. I'm not sure how I'm chasing down my money 4. they shouldn't be able to go into accounts pulling money without issuing something in writing regardless, especially when it was their errors in the first place.
Company Response:
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed my refinance in XXXX this year with Guaranteed Rate. My first payment on the new mortgage was in XXXX which I made in addition to several Principal payments. In early XXXX I received notice from Guaranteed Rate that my loan servicing will be transferred to PNC Bank, effective XX/XX/2021. The balance on my mortgage was {$320000.00} in early XXXX. As XXXX neared, I set up on-line access with PNC mortgage and saw that the balance information they had was incorrect. PNC had the mortgage balance at {$320000.00}. I called PNC on XX/XX/XXXX and spoke with a servicing person to let them know of the error and also emailed the servicing dept. the same information and documents I had to show the correct balance was {$320000.00}. PNC said they would research and resolve the matter. I waited a week but no word from PNC. I called them back in the second week of XXXX and they said they were still researching. They promised that they would get back to me in a matter of a few days, but I have not heard from them. I checked today on-line and they have not corrected the loan balance. My mortgage payment is coming due for XXXX and I hope this matter would get corrected ASAP.
Company Response:
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX fraudulent checks in the amount of over {$4000.00} were honored on personal checking account bringing balance down to a minus. It has been XXXX days with no response from the banks fraud department except for XXXX check being reversed on day XXXX of complaint. My check to pay a credit card bill was not honored causing me to be charged interest. Unable to pay bills timely due to direct deposit of retirement income was eaten up still leaving a negative balance.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I banked with simple.com which was purchased by PNC Bank. I tried to close the account but was not able to close it to due to long wait times. The account transferred from Simple to PNB Bank with an account balance of {$0.00} On XXXX XX/XX/2021, I received a collection notice for {$32.00} for monthly fees that Simple didn't charge. I tried calling the number on the letter which said the system did recognize the number and disconnected the call.
Company Response:
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I dont agree with pnc bank XXXX I feel their lending guidelines are not compliant lending guidelines. Pnc approved me in XXXX then again in XXXX for secured loans, I have a banking relationship with them as well for years. Now I am trying to obtain a unsecured loan and being told that an account ( XXXX XXXX ) that was in my bankruptcy from XXXX is a reason for decline plus a XXXX XXXX account also known as XXXX which was my ex husbands. BOTH of them were on the ORIGINAL reports when I was approved -so why- why am I declined?!? Pnc does not use common sense nor good business sense to lend to their customers.
Company Response:
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/21 I rented a scoter from XXXX XXXX XXXX in XXXX XXXX FL for {$110.00}. I returned the scoter the same day. The next day I saw a withdrawal on my debit card for {$2300.00} to XXXX XXXX scoter. I went back and questioned the charge the next day and the owner at XXXX XXXX threatened me so I left for my safety. I called PNC right away and they said not to worry it's obviously a scam and they would take care of it and credit my account for the {$2300.00} right away. PNC never credited my account and mainly just ignored my inquiries over the next month about when it was going to credit the {$2300.00} as promised. The only thing I ever got was a copy of a letter that they say they send me in XXXX that said " based on their investigation the charge was valid. After receiving a copy of that letter I finally spoke to someone at the branch who told me they would send me information about their investigation. Of course I never received anything. When I asked the person at the branch why they said not to worry we will refund the money to your account right away he said he made a mistake. {$2300.00} is allot of money and this is obviously a scam. The biggest disappointment is all along I have felt that PNC is just protecting their merchant and allowing this person to steal my money off my debit card. I don't see how PNC could allow a company to take {$2300.00} out of my account without my permission. PNC sXXXX XXXX me and my money not the merchant. Please help me recover my money.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: wE GOT A AUTO LOAN FROM BBVA USA TO WHOM BREACH CONTRACT AND DEMANDED DEBT CANCELLATION 1099-C FROM THEM. DURNING THIS LEGAL FIASCO! PNC BANK ACQUIRED THE LOAN. WE TOLD THEM TO CANCEL LOAN CONTRACT OR FACE CLASS ACTION LITIGATION. AS OF TODAY BBVA USA IGNORED THE STATE OF AL COMPLIANT AND PROCEED WITH BRAKING THE XXXX XXXX XXXX XXXX REFORM AND CONSUMER PROTECTION ACT. AS WELL AS COLLUTED WITH XXXX XXXX VIOLATING THE FCRA 15 U.S.C. SECTION 1681g by credit file suppression.
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I had BBVA accounts that converted to PNC accounts on XX/XX/2021. As per PNCs terms and conditions I called PNC attempting to to opt-out of all arbitration agreements for both of my accounts as is my right to do so so within XXXX days of opening the account. Since I opened account with BBVA long before PNCs purchase of the bank was finalised the opening date reasonably would be the transfer date of XX/XX/2021. Since that would make the deadline for this XX/XX/2021 and since I am overseas I began calling PNC in earnest to opt-out starting from XX/XX/2021. The opt-out notice clearly states it is permissible to do this via phone and via mail. But PNC has listed the incorrect phone number for this on all of their disclosure notices online and in print, and on their website and on the app. I called XXXX times and no one seems to be very clear on the proper process for doing this. Perhaps this is how they intended it to but I will give them the benefit of the doubt or so I thought. On XX/XX/2021 I called yet again and was on hold once again trying to opt-out. PNC has listed the incorrect number to opt-out on in every single notice. And they are confusing and even worse their customer service operators have no idea what to do when queried about this. When one calls the only number listed on the notices to opt-out which is XXXX XXXX is given another number XXXX to call that is a number for credit cards, at which point they then tell you to call a third number to opt-out XXXX, after which someone transfers the call to a fourth number, who then tells you after a XXXX minute wait that one can only opt-out by mail, clearly contravening the terms of the disclosure notice that very clearly state that one can opt-out by telephone. They also say that it has to be done XXXX days from when I opened the BBVA account, which would be difficult to do since when I opened the account BBVA was not yet a part of PNC! Any reasonable legal counsel would know this is wrong, and really the XXXX days should start from the date I transferred the account to PNC, the equivalent of the date I opened my account with PNC. This makes me fully within the XXXX day time limit. This banks blatant obfuscation would be malicious if PNC were competent but PNC is anything but competent as this runaround shows. But I am now wondering if PNC is just perhaps acting in bad faith. After spending XXXX hrs being shuffled around PNC, the bank seemingly does not know what to do at all This has now caused me to be delayed in doing this for XXXX days. I asked for a fax number I was refused. I was finally hung up on. PNC can not disclose legal opt-out notices, change terms on the fly when it suits them, send incorrect notices with the wrong number everywhere and then try to change the terms after publicising incorrect information multiple times during a single phone call. I am filing this complaint with regulators as I believe this is a serious breach of their terms and conditions and legal duty to disclose information properly. All calls were recorded I would urge regulators to monitor those calls to see just what a baffling experience this was with an ever so incompetent bank.
Company Response:
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: proposition XX/XX/XXXX allows homeowners to transfer the old property tax base to their new home if your XXXX and older or have a XXXX. My taxes were reduced from {$8600.00} down to {$5200.00} back in XX/XX/XXXX. Pnc bank could not figure it out. The kept telling me that they were working on it and never did, XXXX county issue me XXXX bills XXXX for supplement tax bill and a yearly tax bill which added up to be less than {$5000.00}. I sent them all of the information XXXX times still no resolve. So i just received a new tax bill for XXXX on XX/XX/XXXX and requested again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nXXXX XXXXXXXX, XXXX XXXXXXXX, XXXX and XXXX. still no resolve. I emailed PNC Bank a copy of my new tax bill on XX/XX/XXXX. PNC bank received it because they paid the bill. and sent the XXXX escrow overages of {$1600.00} x XXXX.
Company Response:
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A