Date Received: 2021-04-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On Friday XX/XX/XXXX I walked into PNC Bank located at XXXX XXXX XXXX XXXX XXXX Florida XXXX and was approached by Banker XXXX. I needed to do a wire transfer. XXXX stated with my account there was no fees for the wire transfer. I gave him all the information, he printed the paperwork and I signed it then he signed. I ask for a copy as I needed proof of the wire transfer and he stated no I can not get a copy. I ask him why? He stated he is not going to give me a copy. My daughter explained why we needed the proof of the wire transfer as it was evidence of transmittal for the good faith deposit purchase of a new home. He refused but then he told us blatantly Im refusing to service you, you can leave now. Shocked at his statement my daughter stated " You refuse to service us because we ask for a copy? '' he stated yes you can leave. then he turned to the customer behind us and stated " sir can I help you ''. The customer stated loud no you need to help them I will wait. We were shocked at his behavior. We ask him for his name he stated no he is not going to give it. Then we ask for a card with the bank address. He stated we can google it. He REFUSED SERVICE. I then ask him to cancel the wire and if he could shered the cancelled document. He stated he will not he put it in the top draw. I informed him since I am being refused service for asking for a copy I will like to close my account and withdraw out all my money. He stated if I drew out my money he can not give all my XXXX just XXXX, XXXX. I ask for a manager and he stated none was in the Bank. I proceeded to leave when another Banker ushered me into his office apologized and processed the wire transfer. This Banker name XXXX informed me there was no fee for the wire transfer and he gave me a copy. To add insult to injury they charged me a {$30.00} fee in which i noticed today XX/XX/XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received debit card and account opened letters in mail from PNC Bank in my name. I did not open any accounts at PNC Bank. Debit card received Friday, XX/XX/2021. Received " Thank You for opening '' letter for three accounts that weekend. Called PNC Friday re : the debit card and they completed a form and stated I'd get a call from fraud team within 24 hours. Did not receive call. Called again Monday re : the letter and the three accounts and was told a search would find all accounts opened in my name and close them out. Received confirmation letters dtd XX/XX/2021 that the three accounts were closed. Also placed fraud alert with credit reporting agencies on XX/XX/2021 & today filed police report with XXXX XXXX Police Dept.
Company Response:
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I tried getting PNC to verify my account for XXXX and XXXX said PNC was blocking them
Company Response:
State: MI
Zip: 48307
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for XXXX at PNC ATM at XXXX XXXX grocery store on XX/XX/XXXX. After a couple minutes of " processing '', message appeared that transaction could not be completed. The ATM machine ejected my bank card but did not return the check! I called PNC Customer Care and a supervisor assured me that the ATM is audited on a daily basis. The supervisor said it could take up to 10 business days but it is usually resolved within a couple of days. The next day I received a call from PNC saying that the ATM was operated by a " third Party '' and it could take up to 45 days for them to resolve the situation. I was very upset because this is a lot of money XXXX my inheritance ). I was planning on using that money to pay my taxes this week. This has really put me in financial turmoil and PNC employees seemed very indifferent to the problem. I can't believe the ATM 's are not required to have disclosure that they are owned and operated by a third party. So if something like this possibly happening I would have waited until XXXX and went to the bank in person. I can not believe that PNC was unable to contact " Third Party '' and have them audit the ATM to accomodate a financially distressed customer because of an error on their ATM. There is no apparent accountability?!!
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2021 I proceeded to apply for cash-out re-finance mortgages for three of my investment/rental properties located in Texas with PNC Bank. The reason I selected PNC Bank is because PNC is the mortgage holder for two of my investment/rental properties in Iowa, and so I thought I would start with PNC to see if they offered a loan product to fit my need. I spoke with XXXX XXXX " XXXX '' XXXX XXXX, XXXX # XXXX, at PNC who told me that PNC does in fact offer cash-out re-finance mortgage for investment properties in Texas, and so I proceeded to go through PNC 's mortgage application process for my three Texas investment properties. XXXX phoned me on Monday, XX/XX/XXXX, to tell me that my loans were in underwriting and that everything was moving along as planned. In fact, on XX/XX/XXXX and XXXX XXXX of my three properties had the onsite appraisal inspection done. It took me by complete surprise when I received two auto-generated " Statement of Credit Denial '' from PNC Bank via XXXX on XX/XX/XXXX informing me that the reason for credit denial is " [ Does ] not offer terms requested ''. I phoned XXXX XXXX after I emailed the scanned copies of the credit denial statements asking him what this is about since only a couple of days earlier he called to tell me everything was moving forward and in underwriting? XXXX told me it's because Texas law does not allow cash-out re-finance loans on investment properties, which is completely untrue. Then XXXX told me that PNC Bank does not offer cash-out re-finance loans on investment properties in Texas. I asked him why he didn't tell me this when we started the process of having me apply to PNC Bank for three cash-out re-finance mortgages?! XXXX told me that he didn't know that PNC Bank didn't offer this type of loan in Texas and that PNC Bank 's system didn't catch it any sooner either. I made it clear to XXXX XXXX that because this was his and PNC Bank 's error, which has now cost me more than a month of time and interest rates have gone up since then, that I expect a full refund of the three appraisal fees that I paid for XXXX totaling {$2000.00} ) plus the credit report fee of {$31.00}. XXXX told me he would have to speak to his manager, and that it would take time - probably weeks - before a refund would happen. I made it clear to XXXX that a refund of my {$2000.00} should not take PNC Bank weeks to complete. It should be as simple of refunding my debit card charges. Although XXXX XXXX thinks I should trust him to get my {$2000.00} refunded in due time ( whenever that is ), it's incredibly unrealistic to think that customer should trust him to refund money when he isn't at all clear on what loan products his employer offers, nor does PNC Bank have systems in place to flag loan applications for a mortgage product they don't offer before actual appraisals are being performed onsite at the properties. This whole situation has become an unprofessional fiasco and I simply want a refund of my money that PNC Bank should have never charged me for.
Company Response:
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I initially started this process on Wednesday, XX/XX/2021, however due to circumstances, I was able to complete this process today, XX/XX/2021. My Experiences with PNC XXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX I have had a bank account with PNC for years. The last four numbers of the account number is XXXX. There are several issues and concerns. I am writing about most significant ones in this process. 1. PNC does not process and post transactions in a transparent way, that can be verified by me, the consumer. 2. PNC punitively delays processing and posting transactions in my account. 3. PNCs policy of a supervisor or representative returning a phone call in 24 to 48 hours is insane! When a customer has a serious issue with regards to bank activity, the bank should make yourself available to speak to the customer immediately. 4. PNC delays responding to my concerns via the callback within 24-48 hour narrative. How would bank officials like their checks to be delayed posted and or processed for 24 to 49 hours after the official expressed a concern about the check amount? I have experienced and documented PNC deliberately and intentionally not providing full identification and disclosure of, delaying processing and posting of transactions within my account, money taken out of my account fraudulently by PNC Bank, and PNC Bank doing punitive acts of denying me access to an online banking account that I had with PNC. That PNC closed my online banking account and then requested and required that I give them total access to my phone, all my data, photos, contacts,? To reopen the account is horrific. After I denied PNC access, they denied me access to online banking. They then flipped the script to appear as though they did not deny me access to on line banking. Their narrative was that I could access online banking, IF I agreed to allow them unlimited access to my phone, data, contacts, etc. I refused. Therefore I do no longer have online banking service with PNC. With the only access I have to my account being voice mail, and recorded phone calls, I experience PNC punitively delaying processing and posting transactions in my account. Delay of processing and posting to my account on several occasions and of late, has become the norm with PNC. PNC Bank, delaying processing and posting transactions in the account, and their gangster bankster policy, narratives and practices MUST STOP! I stopped using PNC online banking several years ago because without my direct knowledge and or consent, PNC closed my on line banking account. When PNC offered to reopen online banking access to me, they had a list of demands of me, for them to reopen the account that they closed. Included in their demands was that I give them unlimited access to my phone, all my documents, data, photos, etc. When I refused to grant them access they requested, they refused to allow me to reopen my online banking account that they had closed. I opened an account with XXXX Bank and have online banking service with XXXX Bank. It more appears that PNC and XXXX Bank are collaborating, coordinating, communicating, and working together and are accomplices in what amounts to manipulation and control of my finances, access to my finances and manipulation of processing and posting transactions. On Monday XXXX XXXX, XXXX online banking that I have with XXXX Bank, I transferred {$35.00} and {$100.00} from PNC to XXXX Bank. Neither PNC nor XXXX Bank posted those transaction ( to me ) as processed until Tuesday, XX/XX/2021. XXXX Bank posted the transaction, PNC had not. XXXX Bank posted the transaction in my online banking account on Tuesday. PNC had not posted nor processed the transaction via their voicemail system. PNC did not post nor process those transactions until, Wednesday, XX/XX/2021. XXXX days after the transaction at the very moment when I transferred the funds FROM XXXX Bank, today Wednesday XXXX XXXX. I called PNC today, Wednesday XX/XX/2021 and spoke with XXXX. After I expressed my concerns the call was abruptly disconnected. I called a second time and spoke with XXXX. She stated that PNC doesnt process transactions until they are given a receipt. I called PNC a third time and Niar, refused to allow me to immediately speak with a supervisor, stating that she would, Escalate a complaint and a representative would contact me in 24 to 48 hours. PNCs do dirt and delay speaking about it tactic has been recorded and documented by other PNC customers. I experience their tactics. I have repeatedly called PNC and articulated my concerns with their tactics on recorded phone calls. They think and have written their policy that if they record the phone call, they talk sugar honey Ive tea, If and only if they record the call. If they are informed that the call is recorded, they immediately hang up the call and refuse to speak their sugar honey ice tea narratives NOTE : PNC XXXXecords calls for quality assurance and training, however If informed that the call is recorded, PNC representatives immediately hang up the phone, so that their rudeness, crudeness and shrewdness is not documented to prove the exact nature of conversations that a customer has with PNC. I have repeatedly told PNC that I do not complain. Their system identifies expressions of experiences to PNC as complaints. I have given PNC many opportunity to self correct, they refuse. After, having expressed to PNC my refusal to allow them car blanc access to my phone, data, contacts, etc., PNC voice mail system, seldom fully identifies all merchants, and their system delays processing and posting transactions that cause and or potentially cause my account to go into overdraft status and or in some sort of punitive way, my account gets hit. When I call PNC and ask PNC to identify merchants, their response is that they will escalate a complaint to which, to this very day, they have done nothing. At one point in time they did identify every merchant. They stopped and now, their system XXXX banksters. They still do not fully identify each and every merchant via their voice banking system. Their lack of transparency with regards to what they are doing, has been documented in other complaints lodged against them. I have waited for years for PNC to self correct. Note that XXXX judgment is upon the earth, XXXX judge and exact justice! I am requesting that an independent investigation of my specific PNC account, and other PNC accounts throughout their system of ALL XXXX and XXXX people, be conducted. I am requesting that PNC immediately cease and desist from delaying posting and processing transactions in my account. I am requesting FRB, FDIC and the Securities Exchange Commission to investigate my claims and monitor my account with PNC. I am requesting that PNC return every penny that PNC has falsely taken out of my account over the years y that I have had the account with PNC. I am requesting PNC to immediately respond to my concerns, given that PNC online banking services are not accessible to me. In the past, PNC regularly took money out of my account with fake transactions that I did not authorize nor agree to. At the beginning of that time I was in XXXX, Delaware and had been hospitalized. There was thousands of dollars taken out of my account by PNC. At this point, I have, do and will continue to document my experiences with PNC. After giving PNC opportunity to self correct, I have made known to my XXXX XXXX and now am doing so to you, what my experiences have been and have continued to be. The majority of people I see, employed by PNC have been white peoples. Most of whom, are system soldiers, who act privileged and or disrespectful in a nice/nasty way. On the same day, XX/XX/2021, that I had the rude experience with the three XXXX PNC phone center representatives, I went to a drive thru and made a request to a XXXX male teller. He apparently gave the task to the XXXX female to process my transactions, without saying a word to me, that he was not doing the transaction. I sat and watched every car that was in the drive thru, get served and leave as I waited for the transactions I requested to be processed. That happened right after I had called and spoken to the three call center reps, who recorded, and post calls, complaints, etc. in their records. I am making known my experiences and concerns to the banking regulatory authorities to investigate and settle my claims. Because XXXX is my XXXX XXXX, I do not fight men and people. XXXX fights all my battles and XXXX REIGNS! YHWH does! PNC, has been given opportunity to self correct. With XXXX judgment upon the earth, it is wise for PNC to self correct. Because the toxic social, economic, and political is being exposed and ridden from the earth, as XXXX XXXX come, before XXXX Judgment and justice is exacted against PNC, All banking, and regulatory agencies are given opportunity to ensured our are doing what is right, good and true as you investigate, judge and exact justice. All will and are being judged and justice is served! XXXX, XXXX XXXX XXXX Reigns!
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/2021 Date Account opened through fraud with PNC Bank Unemployment started and checks received from the unemployment Department
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: As of XX/XX/XXXX PNC HAS NOT UPDATED MY BALANCE CORRECTLY. My account number is XXXX. I've longed complained for the sum of 3 months about my ledger balance. PNC 's algorithm hasn't been updating correctly. My ledger balance is not updating correctly which is causing overdraft fees and misappropriated funds. XX/XX/XXXX i was granted a covid relied fund totaling the amount XXXX and XX/XX/XXXX my payroll deposit went in in the amount XXXX the morning of XX/XX/XXXX my account was overdrawn XXXX by no cause of my own. My total spending did not exceed the amount of available funds. I contact pnc 's escalations team about the missing Money in my account in the latter of XXXX XXXX .The account escalations rep XXXX XXXX XXXX XXXX XXXX, of whom I've yet to have a conversation with about the account however she has noted the account as if the bank has no wrong doing. PNC sent me a email stating my account was overdrawn for 12 days in the amount of XXXX since XX/XX/XXXX, i emailed XXXX XXXX my receipt for that day and the copied email stating the system is no calculating the account activity correctly. i also visited the branch in XXXX Maryland and spoke with a XXXX XXXX XXXX about this and although he was polite he referred me back to XXXX XXXX. I can't prove yet it appears someone employed is preying on lowered income peoples accounts.
Company Response:
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I opened a Secure Credit card with PNC for {$300.00}. they never sent me a bill and I never got the card but they charged kept charging me a membership fee and reported late on my credit report.
Company Response:
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a letter with a Debit card on XX/XX/2021, and the following day XX/XX/2021 I received a letter saying " Thank you for opening new account ( s ) with PNC. '' and lower down on the letter list 3 accounts that I DID NOT OPEN. I called PNC bank, and they told me I'll be receiving a call form an investigator, which have not came yet.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A