Date Received: 2021-10-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Case Description : ***REFUND NEEDED***. Zero calls NOR emails answered EVER SINCE THEIR " FAILURE '' On XX/XX/2021 I contracted with this now seemingly scammish thieving entity to be this new " broker '' thing to procure my relocation packing loading & moving from XXXX, NM to XXXX NM & paid their required {$1200.00} deposit on a {$3000.00} quote for their locating/binding a crew truck/ carrier by the agreed to window they offered of XXXX XXXX XXXX, 2021 All month whenever I had any questions they barely ever answered their phone ( perhaps every 3rd call ) & NEVER returned any calls or emails ever ... eventually proceeded thru the countdown steps the last 2-5 days prior the QA call that had to be repeated after the last weekend of XXXX when the girl XXXX disappeared amidst a virtual video I wanted to show them how downsized my move had become after selling & giving away so much & all major furniture! XXXX the QA supervisor said Mon the XXXX that all was well & a crew HAD been secured with final info XXXX hours before window begins XXXX or XXXX then makes a 5-second voice msg & 1-2 sentence email telling me " SERVICE FAILURE HAS BEEN CALLED, refund in full of my deposit by US mailed check of {$1200.00} within 2-3 weeks time ''!!!! Really? Ditched me ONE DAY ON XX/XX/XXXX before the 3-day window which was days prior to my " must vacate by '' date of my apartment???? Horrible enough!!! No explanation except " we never found a carrier at that price quote the entire 4 weeks! '' really?? I had been told the reverse of course more than once whenever I called and they ANSWERED So I had to find another broker ( ironically turned out to be XXXX XXXX XXXX w/ an address RIGHT NEXT DOOR AT XXXX XXXX XXXX XXXX in XXXX XXXX XXXX FL ! Wow! They got a carrier ( XXXX XXXX XXXX ) in a day and a half at a quote raised to {$4200.00} ( XXXX to {$6900.00}!!! ) anyway STILL NO REFUND SENT BACK TO ME OF {$1200.00} never mind any resultant damages above to say higher costs under time pressure and zero calls answered!!
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2021 my account became overdrafted with PNC Bank because a pre-authorized transaction came through and sent my account {$540.00} negative and the business won't stop the charge... I've recently been injured on the job and I have no steady income, so on XX/XX/2021, I asked PNC bank if they could revoke the pre authorization of this business until I can work out another arrangement because this over drafted account possibly won't be taken care of any time soon and I've had to do this before years ago because a business was continually trying to withdraw money from my account.PNC bank said that I would have to call the company because they can't do anything about it because it's already posted... In the past whenever this type of thing would happen, banks had no problem revoking the pre authorization but because I have had past direct deposits set up on my account, PNC Bank decided that they wouldn't revoke the authorization because they will just wait till deposits come in so that they can take everything that I have. It seems to me that banks are working for businesses instead of for their customers... Since when does a bank act as my mother and father to make sure that I pay my bills and then charge me tons of these fees which is the banks primary objective anyway to enrich themselves off the backs of the people ... I'm sure if I didn't have any direct deposit set up on my account they wouldn't have let this overdraft go through in the first place..These are typical banking tactics and this is why they pay these bank managers the big bucks because they identify which consumers they can squeeze the most out of as often as they can and like a snake they strike... .People in my age group are very often taken to the cleaners like this by banks because it works in favor of the banks to allow anything that they can make money on to stick... .Nevertheless, I will be closing this account as soon as I can get the overdraft taken care of and run like XXXX away from PNC and find another bank because as it turns out, PNC is not the bank for me...
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The issues began around XX/XX/2021 on the credit card issued by BBVA, Visa # XXXX. The bank allowed a fishing fraud for XXXX cents and then the fraudster started sending in charges for XXXX. On the morning of XX/XX/2021 we began trying to make contact with the bank and finally were put in contact with a supervisor, XXXX. XXXX finally understood the fraud, acknowledged it and promised to take care of everything and stated we would have no further problems with the fraud issues. I requested a call back confirming all issues were taken care of. The next day, XXXX left a call on the recorder that all issues were resolved. In fact, this was a lie we relied upon to our detriment. We immediately contacted PNC ( who was taking over BBVA ) and contacted them again when they failed to correct the problem. See Exs. A and B. See also Ex. C, which affirms that fraud was committed and promises we were not responsible. Of the {$11000.00} in fraudulent charges to date, at least {$5200.00} remain unresolved. Despite the various promises made, PNC has billed us for the charges. See Ex.D. However, the worst thing PNC did was to report the disputed charges to credit agencies, in violation of CFPB rules. See attached Ex. E, which shows that the PNC report cratered the Credit Score by 73 points. One last attempt was made to resolve this situation. On XX/XX/2021, I contacted PNC and spoke to XXXX at ext. XXXX, who transferred me to XXXX, who refused to give any other identifying information. After asking to speak to a supervisor, I was put on hold for 47 minutes until the call was dropped. This complaint ensued.
Company Response:
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Then problems that I have with this bank is their inefficiency to fix this horrible website. I have written them I have called them, I have complained at least 20 times about the problems getting into their website. Nothing works, passwords do not work, security questions they ask to be answered are not questions you ask to be answered. Then they give you 2 times to make a mistake and if you do not get it right, they suspend you. They throw you out of the site. This has been going on for more than 2 years. I deal with over 10 other banks and large corp, PNC Bank is the worse company I have ever dealt with and, they know who I am with my many complaints. Will they correct it? No, they will not correct it. I have asked them many times, Is the head of your IT dept a relative of the CEO? Why can you not get this right? It is a problem signing into their sight every month and nobody does anything about it. It is easier to sign into the Treasury dept of the United States than this bank.
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XX/XX/2021 I filed a complaint against PNC over what I clearly see as deceptive marketing practices related to their Overdraft Solutions. Solutions that do not come close to what they claim. Solutions designed to create a false sense of security, solutions that do nothing more than create fee income for the bank. Moreover, every person you talk to gives a different answer to a question. Since the day I walked in the door, no matter what info I am looking for, what process or procedure I am looking for instruction on, I am told the last information I was given was wrong. Im fed up. Done. What Will it take for government oversight into what PNC gets away with? What? Complaint no. XXXX filed XX/XX/2021 will provide any and all facts relating to this now, 2nd complaint. Nothings changed! In fact, things have only deteriorated. Now, my complaint isnt stopping here or at the XXXX. Im proceeding on filing with the FTC, Wisconsin Dept of Financial Institutions, The Federal Reserve Board, The Office of the Comptroller of the Currency and any other agency I come across that may hold any amount of oversight here. They make up the rules as they see fit, as they go along! A practice that makes it easy for them to enjoy economic gain. I am not paying their latest ransom for deceptive marketing/practices and will be closing this account. But not until every oversight agency is notified,
Company Response:
State: WI
Zip: 53214
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am an XXXX XXXX XXXX ( XXXX ) at XXXX, started my XXXX this XXXX XXXX. I was trying to transfer my apartment lease and so put an ad on XXXX XXXX. One lady ( XXXX XXXX, from Wisconsin, she said ) was very interested and wanted to take my apartment. I told her the lease transfer fee is {$500.00}. You can pay it to lease office or me. She then sent me a check of {$1900.00}. She told me to take {$500.00} for lease and send the rest to her moving agent ( XXXX XXXX XXXX XXXX ). First I hesitated but then convinced as she said the check will be provided by her company. I received the check online and found that it posted to my account ( my balance increased after 1 day ). I had no idea of fake check or check bounce in the USA. I trusted and sent {$1400.00} to the moving agent as she said. I sent through XXXX as she requested. The account was, XXXX XXXX, XXXX. After that I thought everything was going good but suddenly she said she need {$800.00} more to send her mover to fix her car. Then I refused and started to suspect. I complained in Police ( Case : XXXX XXXX ) and they said it's a scam. After that, I found my money has gone, check bounced back. I contacted bank several times but they refused to get back the money. I contacted bank and put dispute but they refused my dispute.
Company Response:
State: PA
Zip: 16803
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I had a XXXX banking account with BBVA which had about 10 transactions per month, as well as a personal checking account that I asked to have shut down 18 months ago and had had a XXXX balance since then ( I thought my request was taken care of ). PNC Bank bought out BBVA, and I received a debit card in the mail. I activated it and used it for business purposes. Then I started getting notices that the account was overdrawn. Impossible, I thought. After my first call in, I was told that it was a debit card for a personal account- they opened up a personal account and sent me a debit card. Meanwhile, I have not received any correspondence related to my XXXX account, which I badly need. I have now called in 6 times attempting to track down my XXXX card, about 2 hours of time on the phone, and EVERY CALL has dropped. So I have overdraft fees on a card I never wanted, no access to funds that I need in the account I use, and no one can give me an answer.
Company Response:
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I owned a XXXX XXXX, which was heavily affected by the Covid-19 shutdown which took place across the country and I counted myself very fortunate to have the opportunity to receive a Payroll Protection Loan . I opted to apply through my regular business and personal banking partner, PNC. Shortly after receiving my PPP funds, I was approached with a generous offer to sell XXXX XXXX. The buyers were looking to take advantage of another program through the SBA, approved by congress, which allowed for forgiveness of 6 months of loan payments on any 7 ( a ) SBA loan, provided that the loan closes by mid XX/XX/2020. Having the PPP loan still outstanding, I requested with PNC that I be permitted to place the full amount of the loan in escrow after closing of the sale of the business in order to allow for additional time required to apply for and get a determination of loan forgiveness. For about a month I went round and round with PNC with them ultimately telling me that my options were to pay the loan off, wait to close until after it was forgiven, or dont sell the business. I checked with other banks, one of which is the largest SBA lender in the country, and they all said escrow was an option at their banks in an instance like this. So I was faced with a decision : Do I sell the business or not? I chose to sell the business and therefore paid off the full amount of the PPP loan ( {$100000.00} ) plus interest of a little over {$300.00}. I did this in the hopes that even though it was paid off, PNC would still allow me to apply for forgiveness in the spirit of the intention of the law and the program it created whereas congress expressed that if small businesses took this money and used it to pay their employees to avoid catastrophic economic consequences, they would be given an opportunity to have the loan forgiven. This has not been the case. For over a year, I have been attempting to communicate with PNC about applying for forgiveness. They did NOTHING to help me. I feel like PNC forced my hand in paying off the loan and now theyre penalizing me for it, even though it was the clear intention of the United States Congress for me to get this money and use it to help my XXXX and its workers. I implore you help me in any way that you can. I did not sell my XXXX for XXXX of dollars. I am not retired. I took advantage of an opportunity to sell this company so that I could move on to a less recession-exposed venture and not go broke. I used the PPP funds per the law and subsequent interim final rules to keep the company viable and to keep my staff solvent. This $ XXXX is not an inconsequential amount of money for me or my family.I want PNC held to account. XXXX XXXX
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My mortgage loan was transferred ( not by my request ) to PNC Bank XXXX of XXXX ; not sure of exact date. XXXX - called PNC and requested payoff amount ; they indicated they can fax ( I don't have a fax ) or mail ; can not be done online. [ [ [ daily interest accumulating ] ] ] XX/XX/XXXX - still nothing in the mail ; I have a locked mailbox so it could not have been stolen from the mailbox. I called PNC again to request a payoff amount again. They will mail. [ [ [ daily interest accumulating ] ] ] XX/XX/XXXX or XX/XX/XXXX - received payoff information in the mail ; option to wire or mail in cashier 's check. I wanted to mail cashier 's check ; instructions were not clear and no form to fill out ; there were two addresses on top of of where to send to. XX/XX/XXXX - went to my bank and requested/paid for a cashier 's check ( {$5.00} ). I added my name and my PNC account number on the check even though directions did not state to do this. Check was for just under {$50000.00}. I went to USPS to send and clerk witnessed me putting into envelope the PNC payoff letter and check. Sealed it, and paid for it be to sent to PNC ; received USPS tracking number. [ [ [ daily interest accumulating ] ] ] [ [ [ next payment is due XX/XX/XXXX on mortgage to PNC ] ] ] XXXX - USPS tracking identifies PNC signed for item. XXXX - monitoring PNC account online ; no full-payment posting to account. XXXX - multiple calls to : - PNC asking XXXX found check, sharing info ( XXXX 's check #, what was put on Cashier 's check, USPS tracking info ) ; still can not find check. - my bank to find out if Cashier 's check is cashed - PNC finally escalates. [ [ [ daily interest accumulating, now late on a payment, daily increasing anxiety due to lost check with high amount ] ] ] XX/XX/XXXX talk with person at PNC who it was escalated to ( provide information again ) who recommends paying overdue XXXX payment. He noted ( phone call was recorded ) that addresses on top were incorrect, has happened before. Will resend a new payoff letter and requested I stop payment on the cashier 's check sent to them and wire instead. Per my bank, I can not stop payment on cashier 's check until 30 days after it was issued ). [ [ [ daily interest accumulating, had to make overdue payment which is technically an additional payment from my perspective, because I've already had the full payoff amount deducted from my account by my bank ) daily increasing anxiety due to lost check with high amount ] ] ] XX/XX/XXXX - I will be going into my bank to stop payment on cashier 's check ( {$30.00} fee ), and then to wire the payment ( {$25.00} ) per direction from PNC and hoping it goes through correctly. The processes above ( payoffs, mailings, accepting payments via mail ) are key to their core competencies, not sure how they can be so ineffective and inefficient. I have to pay additional {$30.00} + {$25.00} ( stop payment/wire fee ) to pay off the loan and will be asking for reimbursement from them for these two amounts totaling {$55.00}. I feel I have paid approximately {$220.00} in interest I should not have had to pay ( {$4.00} per day, about 45 days ) if they would've sent out the payoff amount on XXXX as originally requested, had the correct address on their form to send payoff amount to ( I would've sent it in the following week for receipt by PNC by XX/XX/XXXX ). I wonder if they do this intentionally so they can collect additional interest dollars from their customers.
Company Response:
State: WI
Zip: 539XX
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was refused service at the XXXX XXXX XXXX, XXXX, TX XXXX PNC Branch by the branch manager XXXX XXXX. XXXX refused me service, telling me, " we will not serve you here ; you will have to go to a different branch. '' This is all after I came to this branch multiple times spending hours at the branch trying to get my money with multiple different tellers and with XXXX herself. Furthermore, the tellers refused to get any amount of money from any of my checking accounts. I did what XXXX said, left the XXXX XXXX XXXX branch, drove to the XXXX XXXX XXXX, XXXX, TX XXXX branch location and was able to get all of my money out in less than 30 minutes from the teller.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A