Date Received: 2021-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been hit with 2 " priority service fees ''. My Payment Due Date is the XXXX of the month and I sent my last payment ( due XX/XX/XXXX ) on XX/XX/XXXX, electronically, and was hit with the most recent of the 2 fees. The first fee was against a payment sent on XX/XX/XXXX ( due XX/XX/XXXX ). I have paid the increased fee amount every month since the fee was assigned and they won't clear it off my statement.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Before I start this complaint, as I have stated to PNC representatives, I have no problem paying overdraft fees if I present a transaction at the time of purchase and the funds are negative. On XX/XX/XXXX, the account available balance was XXXX cents ; however, to my surprise on XX/XX/XXXX, I was charged two overdraft fees of {$36.00} for an available balance of XXXX. I used my debit card for these transactions and at the the time of transaction, funds were available and had a positive balance. With this being a new account and one direct deposit on the account, if I had a negative balance on the account, the transaction would have rejected. I spoke to a Retail Support Manager and I explained and he confirmed - if I have opted out of coverage - the transactions would have gone through and fees wouldn't be assessed. Since I opted in, fees were assessed. If I had a positive balance when I swiped my cards, what service was used for me to occur overdraft fees in the amount {$72.00}. Also, the mobile app currently says that I could overdraft {$89.00} from XX/XX/XXXX to XX/XX/XXXX ; however, this amount has been processed.
Company Response:
State: OH
Zip: 45150
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I ASKED FOR DISCLOSURE OF POTENTIAL CLOSING COSTS, IN ORDER TO SHOP FOR RATES AND FEES WHEN REFINANCING MY MORTGAGE. THE REPRESENTATIVE, XXXX XXXX, I'VE BEEN WORKING WITH ONLINE AND ONE TIME OVER THE PHONE, WOULDN'T GIVE ME THE CLOSING COSTS. INSTEAD, SHE OFFERED THAT " MOST '' OF THE CLOSING COSTS INVOLVE TITLE STUFF. THIS IS UNFAIR, AS MY CREDIT UNION SUPPLIED THE POTENTIAL COSTS DIRECTLY AND UPFRONT. SHE TRIED REALLY, REALLY HARD TO 'SELL ' ME ON AN EQUITY LINE, AFTER DISCUSSING MY NEEDS AND DESIRES. I DIDN'T WANT THAT AND TOLD HER UP FRONT I WANTED A REFINANCE. ALSO, PNC REFUSED TO ANSWER THEIR PHONE ON MULTIPLE OCCASIONS AT THE BRANCH. I HAVE TO DRIVE THERE AND GET IN TO ASK QUESTIONS.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX, orders were placed with XXXX XXXX for the amounts of {$4300.00} ( order # XXXX ) and {$4200.00} XXXX order # XXXX ), respectively. Both of these orders were returned and the money was sent back to my account ( which can be seen in the attached documents ). On XX/XX/XXXX, these same amounts were charged to my account. I filed a dispute with PNC and they gave me provisional credit. On XX/XX/XXXX, I spoke with a representative who told me that I would be receiving a document in the mail that needs to be filled out and faxed. I received that letter on XX/XX/XXXX. Then on XX/XX/XXXX, the dispute was closed stating that I did not give the proper documents when requested. I called PNC and told them that they did not give me a reasonable amount of time to send in the paperwork and they said my only recourse was to open an entirely new dispute, but this time I would not be receiving provisional credit. This put my account negative {$8000.00} which also accrued fees day after day. While the dispute was happening, they decided to close my account because it was negative for too many days. I then went to my local branch on XX/XX/XXXX to ask what was happening. I was told that the account was closed but the disputes were still active and a letter was sent to me on XX/XX/XXXX requesting additional information. Again, I did not receive this letter but I was able to fax the documents with the PNC associate in the branch. Today on XX/XX/XXXX, I was on a conference call with a PNC associate and two different XXXX XXXX employees. Neither of the XXXX XXXX employees in the customer service nor the disputes department knew what these second charges were and did not see any record of the refunds being taken back. The PNC associate I had on the phone confirmed that these charges I received on XX/XX/XXXX were not new charges, but the reversed refunds. I asked the associate if we can rule in my favor in regards to the dispute and she said it is up to me to go to my local XXXX XXXX to try to resolve this further. They also mentioned that if they don't hear back from XXXX XXXX, they will close the dispute and leave me with the bill. Again, XXXX XXXX 's disputes department did not see any record of this refund being taken back. I believe this is PNC 's way to hand this off to me after they were given everything they needed in order to charge this back and settle the dispute as resolved. This issue has not only caused my only checking account to be frozen, but I also cant open up any other accounts at financial institutions until this matter is resolved.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an alert from my Credit monitoring service on XX/XX/2021 that accounts were opened in my name using my personal info, at PNC Bank on XX/XX/2021. I do not, nor have I ever had any past dealings with PNC Bank. I contacted PNC to alert them of this fraud and thankfully the accounts were subsequently flagged and closed before any transactions were able to take place.
Company Response:
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: PNC opened an account on my name which was Fraud. I called to report and two months later I am still receiving statements. Called again and I have to file another fraud case and no status of the previous case. I now have a XXXX dollars balance. I have set an alert with the credit agencies, however I need for PNC to strengthen their controls to verify identity, Close these accounts and get this to a XXXX dollar. Account : XXXX, XXXX Thanks, XXXX
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened my PNC account in XX/XX/XXXX. My account has been messed up from the beginning. They released payments to merchants I do not have an account with nor do I owe money to them. They paid frauds charges to merchants then took money from my savings without my consent placed it into my checking and released that money to fraud charges. I have filed many disputes in which they denied half the claims and the other there was supposed to be a credit that didnt show posted went back and did a reversal of payment basically charging me three times for fraud activity. I, made them aware from the first month. I had seven debit cards reissued each time the same problem happened. All of my savings were illegally transferred and spent on fraud charges this included my stimulus payments and income tax refund for state. I want my money back. I havent touched my account and from XXXX to XXXX over {$7000.00} was illegally removed from my account. Then the bank tried to manipulate me as if it were my problem claiming they wouldn't deal with me anymore when this was their fault. I opted out of overdraft protection it states on each monthly statement therefore they hasd no right to let fraud merchant charges ruin my account, transfer my savings to cover fraudulent charges then refuse to put my money back into the account. I have been without my card for a month since then XXXX was put into my account. I activated the card XX/XX/XXXX and the funds were gone again after going in personally and blocking these merchants they continued to release my money knowing it is fraud. You can tell by thew fact there is 20 charges a day by this merchant. I want my money refunded from the state as well as the fraudulent activity they allowed to occur on my account. You can see where it shows I did a transfer online and phone then it states funds transfer which shows it was on their end and for no reason when the account had money in it. I should have over XXXX in my account that is fraudulently gone and unexplaianable charges and transfers that were not authorized. I can tell it was premedatated by the fact the first months statement came with a notice stating fraud and warning the credit bureaus of my account as if they had this planned. Then told me that was the point of the account. No it is to save money and checking to pay bills. I know what my monthly bills are and never exceed my spending to the point where my savings had to be touched. Yet, the bank did this now I was robbed for all my government benefits and savings. This is fraud and swindles, a breach of contract and should not present insured by FDIC of {$250000.00} and then do not refund my account for theft by deception and fraud. I am livid and do not know who to contact to resolve this matter and get my money refunded as it should be.
Company Response:
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have a mortgage with PNC bank and wanted to get a copy of the payoff statement, because I am refinancing. PNC will only provide it by mail ( takes about a week ) or by FAX. Even after verifying my identity over the phone and discussing many details of my mortgage, they would not even verbally tell me the content and amount of the payoff. Nobody has a fax machine. I went to the trouble of signing up for a web based fax service and provided my number - only to find out that there is a {$20.00} fee for getting the info by fax. This is so wrong and there is no logic to it. If they don't trust me with the info over the phone, then why send it to a fax number that I provide? Seems clear it is to force their customers to pay {$20.00}. There is no reason I can imagine why this information can not be provided verbally or by some secure electronic method. It's my loan!!!!
Company Response:
State: CA
Zip: 94114
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX around XXXX my IP address was hacked and 2 XXXX transactions were UNAUTHORIZED to XXXX I changed ALL my bank info & the amount total taken illegally was XXXX & my bank would reverse those unauthorized fraud charges, but my ip address matched?! I filed a police report, and no one is doing anything, please help
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: There was an application I was thinking about submitting with PNC bank. The submit button was not hit by me as with further research, I found that PNC has poor products and rates. Some how the application went through. I called PNC and they would not start a dispute of credit inquiry, also would not tell me which credit bureau they used when accidentally application went through. I want this inquiry stricken off my credit report as it was not my intention to apply. The bank is confused and answers no questions, transfers to other departments without resolution. This again was not my intent to apply with them, I want the inquiry taken off my report. It happened on XX/XX/2021.
Company Response:
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A