Date Received: 2021-05-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I filed a dispute for a returned phone to T Mobile for {$71.00}, on XX/XX/XXXX, I filed two disputes for {$21.00} and {$27.00} ( XXXX XXXX and XXXX ) for a trip that did not happen COVID 19 issue. I can not get any assistance from PNC Bank.
Company Response:
State: FL
Zip: 33334
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My biggest concern is that PNC Banks, XXXX, VA branch did not complete a credit fraud investigation on my behalf when I reported {$3700.00} in credit fraud to PNC in person and " in a written statement '' to branch manager XXXX XXXX ( XXXX ) on XX/XX/XXXX. After this, PNC told me that they would investigate these fraud charges and attempt to recover my money. I have not seen any evidence that PNC called, emailed, or made any attempts to contact these companies. PNC has not protected me as a consumer, and I would like to escalate these concerns. My check card which represents our non-profit organization XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that provides clothes to the XXXX in D.C. All of the fraud charges were made to international ( not US ) athletic companies that organize marathons and running races and have nothing to do with our work of serving the XXXX. A quick review of our purchase history for the past 3 years will show that we ONLY buy winter coats, hats, gloves, and toiletries / food for the XXXX. I and my non-profit organization XXXX XXXX did not authorize any of these purchases. My card is still in my possession and I never gave my card to any family members or friends who could have made these purchases ( not friendly / family fraud ). Furthermore I have no evidence that PNC even reviewed my claims ( no evidence of searching ( Timestamps, geolocation, IP addresses, or previous purchase history which easily proves that these purchases do not align with the IRS guidelines for our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that serves the XXXX ). I have also filed a police report of all these disputes with the XXXX County Police Department to further establish the legitimacy of these disputes. Ms. XXXX from PNC corporate office ( XXXX ) has been calling me each week with no further evidence of any actions on PNC to escalate my concerns or research my claims. All they keep saying is that the purchases were made outside of the 60 day time period- which is not true. 90 % of the charges were all made within the dates ( XX/XX/XXXX and XX/XX/XXXX ) which is within the 60 day timeline of when I submitted the claim in writing to PNC Branch Manager XXXX XXXX. I am hoping that the Consumer Financial Protection Bureau can help to protect our fundraising money that was scheduled to purchase 100 winter coats, hats, gloves, and toiletry kits for the XXXX this next winter of XXXX. Help please ... ( I understand there are a few isolated charges outside of the 60 days ), but almost all of the purchases below were within the 60 day timeline as shown in my notes ... I have also reached out to the following organizations on my own since PNC failed to advocate on my behalf, but nothing has been resolved ( someone or these companies have charged thousands of dollars without my authorization ) ... 1. XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX ) -Fraud Charge made on XX/XX/XXXX( amount {$31.00} ) -I understand that this charge was made outside of the 60 days and is not protected. 2. XXXX XXXX XXXX ( XXXX : /XXXX ) -12 fraud check charges made totaling {$270.00} between the dates of XX/XX/XXXX XX/XX/XXXX : Details- ( XX/XX/XXXX {$43.00} ) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} onXX/XX/XXXX) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} on XX/XX/XXXX ) + ( {$79.00} on XX/XX/XXXX ) + ( {$68.00} on XX/XX/XXXX ) + ( {$44.00} on XX/XX/XXXX) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} on XX/XX/XXXX ) + ( {$5.00} on XX/XX/XXXX) = {$270.00} 60 Day Timeline : {$200.00} of these credit fraud charges were made between XX/XX/XXXX and XX/XX/XXXX and should be protected because I reported this to PNC on XX/XX/XXXX. The fact that I as a personal consumer missed a few small charges on 3 dates (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) does not void my protections betweenXX/XX/XXXX XX/XX/XXXX. 3. XXXX ( XXXX XXXX XXXX ) -12 Fraud Check Card Charges totaling {$2200.00} made between the dates ofXX/XX/XXXX XX/XX/XXXX : Details : ( {$110.00} on XX/XX/XXXX ) + ( {$100.00} on XX/XX/XXXX ) + ( {$100.00} on XX/XX/XXXX ) + ( {$210.00} on XX/XX/XXXX) + ( {$210.00} on XX/XX/XXXX) + ( {$200.00} on XX/XX/XXXX) + ( {$210.00} on XX/XX/XXXX ) + ( {$210.00} onXX/XX/XXXX ) + ( {$210.00} on XX/XX/XXXX ) + ( {$210.00} on XX/XX/XXXX) + ( {$210.00} on XX/XX/XXXX) + ( {$210.00} onXX/XX/XXXX ) 60 Day Timeline : {$2100.00} of these charges were made between XX/XX/XXXX andXX/XX/XXXX and should be fully protected as part of my consumer protections since I reported these fraud charges to PNC on XX/XX/XXXX. The mere fact that I missed 1 fraud charge onXX/XX/XXXX does not void my protections between XX/XX/XXXX and XX/XX/XXXX. 4. XXXX XXXX ( XXXX XXXX XXXX ) -14 total charges between XX/XX/XXXX and 3/2/21 totaling= {$1000.00} ( please note that 12 of the 14 charges occurred onXX/XX/XXXX ) ( {$44.00} ONXX/XX/XXXX) + ( {$44.00} ON XX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ONXX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX) + ( {$79.00} ONXX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX) + ( {$79.00} ON XX/XX/XXXX) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ON XX/XX/XXXX ) + ( {$79.00} ONXX/XX/XXXX ) 60 Day Timeline- The purchases made betweenXX/XX/XXXX and XX/XX/XXXX total {$950.00} ( 12 of the 14 transactions shown above. The fact that I as a consumer missed the first two fraud charges onXX/XX/XXXX andXX/XX/XXXX does not void my protections betweenXX/XX/XXXX XX/XX/XXXX since I reported these fraud charges to PNC on XX/XX/XXXX. 5. XXXX ( XXXX XXXX XXXX ) -1 charge for {$120.00} on XX/XX/XXXX- Notes- I could not find any other charges from this organization, but if there are any other charges from this organization they too are fraudulent. 60 Day Timeline- this purchase should be refunded- definitely within 60 days of XX/XX/XXXX and was reported to PNC on XX/XX/XXXX
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021, my ex-husband purchased a money order from XXXX XXXX XXXX located on XXXX, AL from XXXX XXXX ( teller ) for alimony owed to me in the amount of {$550.00}. I deposited this money order on XX/XX/2021 at the XXXX, AL branch of PNC bank. PNC bank took this out of my account because they say the money order was cashed on XX/XX/2021 and it is MY FAULT FOR " FAILING TO SECURE THE LIVE ITEM TO PREVENT IT FROM BEING TRANSACTED AGAIN ''. WHAT THE XXXX? WHY IS IT MY JOB TO SECURE A MONEY ORDER 3 DAYS AFTER I DEPOSIT IT INTO MY ACCOUNT IN THE DRIVE THROUGH? You can not go in because of covid. This has to be examined futhur. This is ridiculous. My ex is in contempt for alimony for this. My account is {$120.00} in the red because of this.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Well to start off i recently started playing XXXX XXXX online and was making deposits to it using my checking account which is with pnc starting back in XXXX to be exact so everything was going fine. Whenever i played XXXX would automatically take out their money from my account and i know that for sure because i would always go back and check behind every transaction so once i got a deposit from another game i play for like XXXX dollars and then i check my bank account and there was email that it was an overdraft so at first giving the bank the benefit of a doubt i thought maybe it was my error because i have been with them since XXXX and never had a issue that i really noticed even though i wasnt to sure if it was really my mistake because i never spend more then what i have in my account and i always check back to make sure i have what i am about to spend before doing so. So i let them take XXXX the first time after that i went to branch and ask the employee about the pending transactions and she informed that the funds are tooken out already and whatever amount that i see after is actually what is available which i figured because i always check my account after every purchase so ijust let the first overdraft go over my head bad idea for not looking into it because XX/XX/XXXX to the XXXX my account was charged 18 times for transactions that were already taken directly taken out things were changed around which may sound so crazy transactions that were there before were missing so i reached out to the bank and of course they didnt wan na take any responbility for it they told me everything that they thought would just make me let it go so i started to do my own research and going over my finances even look into reviews to see if this has happened to anyone else and long and behold the bank i thought so highly has done this plently of times so after throughly going through my account and gathering all my proof to show the errors in person because i wasnt getting anywhere on the phone i sat at the bank for XXXX going over transactions so finally they had no choice but to see what i was seeing so at this point my account was overdrafted XXXX dollars at this point so the manager sent in for a dispute for ten transactions because how could a transation that came directly out on the XXXX come out again on the XXXX the manger put in a provisional credit for those transaction which it really wasnt a credit that came to me it made the account current by paying the false overdrafted transactions so im thinking okay pnc is going acknowledge that they made an error and this nightmare would be over and they would fix their error especially after i came with so much proof that it was their error not XXXX little did i know the nightmare was far from over so i let them try to fix the problem and they went after XXXX and i recieved a email from XXXX that my bank did a charge back and not only do i owe them XXXX dollars an additional XXXX for the charge back so not only did pnc stick the knife in my back they twisted and smiled in my face afterwards so i reached out to them and they still continue to not take the responbility making every nonsense soultion they could to try and justified that it was not on them and act like they could careless if someone took a XXXX dollars out of my account in their face they wasnt gon na take any responbilty i have talk to a total of about 6 people and all i get is different senarios of why it happened but there still not telling how my account was double charge it has been very stressful and mind blowing but i am not letting up because it has been done to many times and being that no one wants to take the time to challenge them it keeps happening how many other unknown people have they done this to and they think because this is a bank that holds money for many that they are not capable of making these types of errors and leaveing the financial burden on their selves it is not right and even if i dont get a dime back i will not let them get away with this anymore
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XXXX I applied to refinance a rental property with PNC Mortgage Co. I purchased the property in XXXX. I also refinanced property ( with PNC XXXX in XXXX. I received approval for a refinance for a conventional mortgage at a lower rate. All going great, rental appraised at 3 times what was owed, credit rating is XXXX, funds in accounts that would pay loan off if needed, loan doc online to sign and then nothing from PNC. XX/XX/XXXX, the mail brought me a letter stating my credit was not approved because PNC does not offer the terms requested. 3 months later after all the paperwork completed and in XXXX I find this out! PNC has my mortgage but the letter states it does not have conventional fixed loans. I do have a conventional fixed loan with PNC now. I wasted 3 months and will never be able to get the interest rate I was offered in XXXX now with anyone else. All interest rates have gone up. I complained to PNC and a loan officer called XXXX not mine ) and was ugly, telling me PNC did not make those kind of mortgages. Like I would know! I asked just what kind it was and I wanted details on just what was wrong or what was THOSE KIND. No answer. No offer of a modification so the mortgage would work, nothing. So why deny my credit? My age? I have never heard from my original loan officer since the loan doc needed to be signed.
Company Response:
State: TX
Zip: 78213
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Good evening, I received an alert from XXXX that on XX/XX/2021 a PNC Bank account was opened using my SSN. I never opened an account with this financial institution. I immediately contacted XXXX XXXX XXXX alert team to let them know of the identity theft/criminal activity. I also contacted the local police to file a report. On XX/XX/2021 I went to the local PNC Bank in XXXX, MD to report the fraudulent activity. I spoke with the lady at the customer service desk and told her the issue. I specifically told her that I wanted to speak with the branch manager. I was first approached by a representative who was not the branch manager. I then was met with another representative who said that she was the branch manager. I accompanied the branch manager to her office. I shared with her the serious offense and showed her the XXXX screenshots of the fraudulent activity. She asked me to put in my SSN and said that she did not see anything. I again explained to her the facts and added I have a lot of questions. Before I asked my first question, her phone rings and she begins to talk with another customer while I am sitting in her office. More than a minute goes by and she is still talking on the phone with this customer. I was so displeased by her lack of professionalism, lack of security/privacy act protocols, dismissive attitude, and sheer disrespect that I began to gather my things and proceed to leave her office. As I got up, the branch manager stops talking with the customer on the phone and asks me if I was okay. I responded that I am not okay and left. The branch manager did not answer my questions or provide me with an identity theft affidavit or anything regarding the fraudulent/criminal activity. The way she treated me was deplorable. As an honorably retired and permanently XXXX military veteran, I am extremely shocked by the XXXX PNC Bank branch manager 's action towards me and to the other customer whom she held a phone conversation with while in my presence. I request that PNC Headquarters address the unresolved criminal activity regarding the theft of my identity, address the branch manager 's unprofessional/disrespectful/dismissive treatment towards me and my fraudulent activity complaint, and address how the branch manager violated security and privacy concerns while having a phone conversation with another customer while in my presence. I will standby for further instructions to provide additional information ( PNC Bank Branch manager name, PNC Bank Customer Service name, XXXX screenshot of fraudulent activity, police report, etc. )
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Trying to receive money from my account but won't let me
Company Response:
State: OH
Zip: 43055
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: From XX/XX/XXXX to XXXX XXXX I online dated this person mentioned below. His name was XXXX XXXX XXXX or XXXX XXXX. : His most recent mobile number that I sent numerous texting messages to was as follows : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - Outdated Mobile ( XXXX ) XXXX XXXX XXXX XXXX -another old disconnected mobile number ( XXXX ) XXXX XX/XX/XXXX, XXXX I remained in the relationship with XXXX XXXX and was scammed by him ; XXXX XXXX XXXX never met him either, but he said he was XXXX XXXX XXXX PERSONAL stockbroker ), was the person that got my information and when he sent the checks that he ordered checks ( 2 times ) ( fraudulent conveyance ) on an account he created with my name on it ( so he says ) at the PNC Bank XXXX I never received any of this money, nor cashed any of the checks, although I tried the online bank declined me for Deposit that would have covered my tuition, books, incidentals of {$19000.00}. but the PNC Checking account # was XXXX for one account ; XXXX XXXX - Mobile # XXXX XXXX XXXX XXXX and it was PNC # XXXX XXXX Routing # XXXX XXXX, for the other account. XX/XX/XXXX - I received an invoice from XXXX, in the amount of {$28.00}. We were dating, so I asked him to pay my tuition for XXXX XXXX, which I have been attending since XXXX, but switched the school I was originally attending because I could not afford to pay such steep fees. I attended XXXX from XXXX to XXXX and was paying to finance it. I am now attending XXXX since XXXX - Present. Therefore, I asked the aforementioned boyfriend whom I never met to fund my tuition, so he said OK, that he would be willing to it. Therefore that's what I believed he was doing the PNC money for my tuition. But now I believe he was not real all those months and days, ane year that has passed, I now believe that he was a fictitious and fake person, that made up his identity. He set up an account and had checks mailed to me, of which I shredded, afraid to use them because I was being scammed, and had been issued fake checks to go to prison.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Multiple accounts have been opened or have tried to be opened in my name. List follow as such : XXXX XXXX XXXX XXXX on XXXX the XXXX 2021 ( Checking and Savings ) - XXXX XXXX XXXX XXXX XXXX on XXXX the XXXX 2021 ( Checking and Savings ) - PNC Bank Region 1 on XX/XX/ 2021 - Multiple With XXXX XXXXXXXX XXXX from the XXXX to the XXXX of XX/XX/ 2021 - And More PNC Bank on XX/XX/XXXX and XXXX 2021. ( From XXXX XXXXXXXX XXXX )
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was charged a {$36.00} fee on my account when I put the funds in the same day to cover it! They are crazy with these fees and putting them on your account when they shouldnt be!
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A