Date Received: 2023-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, I had purchased a money order from the XXXX PNC branch on XX/XX/2016, and made the check payable to my niece, XXXX XXXX XXXX, who lives in XXXX XXXX. I had issued the check to her, and she lost the check. She recently found the check, but was unable to cash the check because it had been escheated to the state of Ohio. My niece mailed the check back to me, and I was told that the check had not been escheated because it was a money order and attempted to cash the check. The check was denied. I have started the unclaimed funds process through Ohio, and they need proof that I originated the check. Since this is from 2016, I do not have a copy of the purchase receipt. I am asking for documentation from PNC to show the state of unclaimed funds in Ohio that I was the originator of the check, and should have the authority to claim those funds in full. They advised they need something from PNC showing that I was the originator of the funds. PNC bank has not been able to obtain this for me and advised I should attempt to file a complaint with the CFPB to see if this can be researched further. I need documentation showing that I originated the check. A money order receipt showing the name of who originated the check. A banking statement, although it has just been past 7 years. There has to be some form of microfiche records showing that I originated the check. My son-in-law has full authorization to speak to anybody at PNC. His phone number is XXXX. My phone number is XXXX. My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, OH XXXX.
Company Response:
State: OH
Zip: 45373
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a PNC credit card on XXXX and got denied. Regardless of the reason for being denied, I have the right to my own credit, withholding my access to my securities is securities fraud and they are violating the equal opportunity credit act as well as the consumer credit protection act since they are denying me my credit they can either reconsider the application or they can remove my application from their system and remove the inquiry it put on my credit report. If they still deny me I will hold them guys accountable with {$1000.00} fine per violation I find. It is against the law to deny me of my own credit and Im willing to let that slide as long as they accept my application. XXXX XXXX ATTORNEY FOR ALL CAPS NAME FOR XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hello, I got notice that XXXX XXXX they closed account that I called to have closed because they continued to let money go out of it and charge me after draft fee 's over and over. Like XXXX every two weeks. So, I opened another account, and they left stuff come out anyway of a tune of XXXX plus. So, before they closed it, I was putting in money again to bring it to a positive and took my direct deposit off that account. So well and behold 3 checks came in and they rejected 1 of them and opened the account to bring in a check for XXXX and an XXXX something waited over 21 days and sent me a check for what was left over for the amount of XXXX and charged me for more overdraft charges. Instead of sending all the checks back and let me pay them accordingly without overdraft more charges. They are horrible to deal with held my checks for 7 to 10 days then held the check they cut me for 7 to 10 days. They need to be shut down for their shady business.
Company Response:
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I closed my account with PNC bank in the branch but they kept it open. Now I got letters requesting me to pay almost {$50.00} on XX/XX/2023.
Company Response:
State: MI
Zip: 48125
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX ) XXXX XX/XX/XXXX I deposited to my saving account ending # XXXX XXXX check # XXXX for {$1200.00}. And I proceeded to instruct PNC to transfer same amount at a later value date to another bank at PNC. The check was returned unpaid due to XXXX funds. This is the first time that one of my checks which was deposited via mobile banking returned unpaid, so unaware of the process I phoned PNC and was confirmed that the check would not be redeposited, and the wire transfer would not be executed if there are not sufficient funds to cover such. XXXX ) Thinking that my funds were uncollected at the other institution XXXX XXXX XXXX XXXX ) where I had deposited a bank check for {$1200.00} ) I proceeded to write check # XXXX for {$1200.00} but again this was returned unpaid. XXXX ) I couldnt believe what was happening so to by big surprise realized that check # XXXX and # XXXX were not drawn on XXXX XXXX XXXX but rather XXXX XXXX where I keep a small balance. I was devasted when I realized my mistake. XXXX ) So, on XX/XX/XXXX I checked my balance at PNC and noticed an overdraft condition in my savings accounts immediately I effected XXXX internal transferred {$1000.00} from my checking at PNC a/c # XXXX to the overdrawn account. XXXX ) I looked at my balances now all my account were in positive. XXXX ) I was happy that the matter was now closed since all account were positive. XXXX ) Again, I wanted to make sure to have sufficient funds in my checking a/c # at PNC, XXXX from where I had just transferred {$1000.00} to cover the O/D condition of the savings ) I decided to make another mobile check deposited to cover one expected debit from PNC to pay my HELOC payments due for {$700.00} expected to be taken out on XX/XX/XXXX. This time I used check # XXXX still drawn on XXXX XXXX. ( I had sent an ACH transfer from XXXX XXXX XXXX for {$1200.00} to XXXX XXXX to make sure that there was sufficient funds ). XXXX ) This time there was sufficient fund at XXXX XXXX to cover my check. Funds were fully available as per enclosed statement. ( # XXXX ) XXXX ) Immediately after the latest deposit I received a warning email from PNC that my balance was below {$10.00}. I was surprised since XXXX minutes before I had checked all my account and all reflected available balance way more than {$10.00}. XXXX ) Having worked in banking for more that 30 years I realized that PNC may have taken action to place hold on my accounts. But no communications were received. So, I phoned PNC and was told that the bank had taken steps to put a hold in the account and suggested I go to a branch and seen if they can help. XXXX ) I immediately went to the branch located at XXXX XXXX XXXX XXXX, XXXX, XXXX spoke to the XXXX XXXX, XXXX XXXX. He looked at my account and confirmed all accounts are now closed and that the decision is irrevocable and irreversible. I told the manager that I had several recurring ACH transfer and direct deposit s including the payment to my credit line of credit. He reconfirmed that the accounts are closed, ( # You are luck they didnt close your credit line of Credit he stated ). When these accounts are finally closed then you can come back, and we will see whether new account will be opened. XXXX ) Additionally, the decision to close your account was made at our corporate office and no one is allowed to talk to them not the customer nor the branch. XXXX ) I truly realize my big mistake of using the wrong check. In my opinion was and honest oversight. But I do undewrstand the bank position if they dont want my accounts so be. But I worked for a bank for over 30 years, and I was XXXX XXXX Operating Risk XXXX. Many times, we had to take action to close certain account for many reasons following XXXX directions. But we always asked the branch to provide their input prior to proceeding to close an account, XXXX ) I am surprised the PNC did not make an attempt to contact me so I could have explained my oversight. XXXX ) I take fully responsibility for my error, and I have already made arrangements to move all my ACH and direct deposits. I also already instructed XXXX XXXX XXXX to make the payment due under my HELOC and XXXX will now make all future payments to the HELOC. ( # XXXX ). XXXX ) I dont expect PNC to reverse their irrevocable and irreversible account closing decision, but I wish they would notify in writing in writing about their decision and suggest they inform their customer timely in these cases. Because if the continue such practice it could be viewed as unfair and deceptive practice. XXXX ) Being a customer over XXXX year I would have expected some type of engagement from corporate or the branch prior to taking such drastic actions. Sincerely- XXXX XXXX
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I made my fiance my power of attorney to received the full amount out of my account it's been almost 2 months since I got an answer on the power of attorney request. Once i.got the power of attorney request back it was denied. I called pnc to see why it was denied they never gave me a direct answer multiple times they said they were going to contact me and they never did
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 at approximately XXXX XXXX XXXX XXXX attempted to make a deposit at the PNC ATM located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$640.00} I inserted the money into the machine and as it was counting the money on the screen the screen then indicated unable to process this transaction. It retained the money and did not provide any receipt. I then attempted to reperform the function and the deposit feature was greyed out and not an available function. I then chatted with a PNC XXXX " XXXX XXXX '' on XX/XX/2023 to file a REG E dispute reference # XXXX. Provisional credit was issued. As a result, I had several Overdrafted transactions costing me {$110.00} in fees. On XX/XX/2023 my provisional credit was reversed. I did not receive advanced notification that my account would be debited. I contacted a PNC agent to reopen my claim - new claim id XXXX agent name XXXX. Since my provisional credit was reversed I may incur additional overdraft fees. I asked to escalate and speak to a supervisor and I was told it would not be of help. I wanted to know if the machine cash balanced when serviced by their vendor and balanced to the electronic journal or settlement receipt. I also would like to know if other customers had filed claims on the machine which may not since the deposit feature was disabled after my transaction. I would like to know if video was reviewed showing my transaction. I would like to understand if there were any software or machine malfunctions noted. I was not provided any details of this nature. If the machine was functioning properly were there additional deposits successfully completed after my transaction?
Company Response:
State: TX
Zip: 76109
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: In XX/XX/2023, I applied for a home equity loan with XXXX XXXX. However, during the title search, it was discovered that there was a second lien on our title from the Housing Urban Development ( HUD ). PNC, our bank, advised me to contact HUD to get the payoff statement. When I contacted HUD in XX/XX/2023, I was told that no partial claim was filed with HUD and that I should contact my bank. This went on for a month, causing a lot of confusion. Eventually, I discovered that PNC had added {$13000.00} to our mortgage loan and filed an Assignment of Mortgage from HUD to PNC on XX/XX/2023. Upon seeing the document, I called PNC to request a payoff statement for the XXXX XXXX mortgage. However, the bank informed me they could not provide me with a separate statement for the HUD lien transferred to PNC. They only offered a payoff for the mortgage, including the $ XXXX. Unfortunately, the loan processor assisting us with the home equity loan at XXXX XXXX told us that they could only proceed with the application if we provided a payoff statement for the second mortgage lien of {$13000.00}. However, PNC refused to offer the statement, leaving us in a difficult situation.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In XX/XX/XXXX I decided to close my certificate of deposit as well as my savings account at PNC Bank. They told me that they would send me 2 checks, one with my deposit certificate balance of XXXX USD and another with the savings account balance for XXXX USD. In the month of XX/XX/XXXX I received the check for XXXX USD and I never received the check for my certificate of deposit. In the month of XX/XX/XXXX, XXXX XXXX contacted me to tell me that my check was stolen and that they would open an investigation and return my money, the case is XXXX. I have spoken for 10 months with different people and no one gives a XXXX. a solution, the last contact was on XX/XX/XXXX with XXXX XXXX Executive Client Relations which told me that it would contact me and it has not happened. I demand my money back.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Real quick.. I have not had access to my mail box for less then 2 month or 3 weeks I sufder from XXXX.. someone possibly companies involved stole valuable things from me including my ID and bank cards. I could not resolve both in time to keep my checking account and Stripe corroded my passcode connected account with false 2 layer identification claims and setups.. therefore no one could send me support through financial options.. also denied a loan based on income but I've been retired...
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A