Date Received: 2021-03-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My complaint id is XXXX .... I talk to XXXX from executive offices at pnc bank. She still claiming i withdrew {$1400.00} dollars. I explain to her you can only withdraw {$700.00} dollars.. Than tried to say they put the wrong date. I want to sue. Someone is withdrawing my money and it simple not true. My email has changed. It is now XXXX. Do i file my police report now or wait. I will also file with the Attorney Generals office. XXXX XXXX XXXX XXXX, nj XXXX XXXX.
Company Response:
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The account never had any late payments. PNC Bank close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: SUMMARY : I am seeking reversal of a charge to my PNC debit card in the amount of {$760.00}. The charge was made in error due to a glitch in XXXX 's ( of XXXX, Michigan ) accounting software, but PNC Bank XXXX of XXXX, Michigan ) has failed to perform adequate research regarding my claim and reverse the charge, even though it reflects on my account. I will also file a fraud claim with the FTC. FACTS : In essence, XXXX 's charged me three times. ( 1 ) One charge on my PNC debit card - Transaction A - that is not reflected in XXXX 's accounting system ( due to the software glitch ), but reflects on my PNC bank account, ( 2 ) A second charge - Transaction B - a duplicate charge made at the customer service desk when seeking to process the transaction and installation date in light of the glitch under Transaction A, and ( 3 ) a third charge on on my Visa credit card made to reschedule my installation date and pay for the same product when XXXX 's mistakenly cancelled my installation under Transaction B ( because I disputed Transaction A ). 1. Transaction A ( {$760.00} ), which was charged to my account but never reimbursed. PNC performed inadequate research and failed to find that XXXX 's charged me erroneously but never reimbursed me for this transaction. On XX/XX/2021, I ordered a slab door and two bi-fold doors ( including installation charges ) for {$760.00}. The sales associate used a local register device to charge my PNC debit card, but in doing so XXXX 's software had a glitch on their device, but still charged my debit card. Noting the glitch, the retail sales associate went with me to customer service to see if they could complete the transaction at that location ( at the customer service desk ). 2. Transaction B ( {$760.00} ), which was charged to the same debit card, and was reimbursed by XXXX 's : The customer service department ( after having spoken with their technical support team ) asked me to swipe my debit card again, but I informed them that my bank account already showed the initial charge of {$760.00} from Transaction A. Due the system glitch, they did not have a record of Transaction A, even though it reflected on my account. They told me to swipe the card again anyway. At this point two charges reflected on my banking ( checking ) account - one for the erroneous charge under Transaction A, and one for the charge at the customer service desk ( Transaction B ). XXXX 's informed me that one of their associates would call me to schedule an installation date and that I would have to dispute the first charge w/PNC Bank, which I have attempted over and over to do and still have not been reimbursed for the first charge, even though it reflects on my PNC bank account. PNC provided a provisional credit, but has failed to procure evidence of the first charge under Transaction A because the computer glitch did not record it in XXXX 's system. XXXX 's scheduled an installation date of XX/XX/2021 at XXXX under Transaction B. 3. Transaction C, charged to my account : XXXX 's failed to show up for the installation date on XX/XX/2021 at XXXX. I called customer service and they told me the appointment had been cancelled. I checked my bank account and XXXX 's had reimbursed me for Transaction B. This was an error. I disputed Transaction A, not Transaction B. I rescheduled another installation and they again charged me, but this time I used my Visa credit card. DESIRED RESOLUTION I still have not been reimbursed for Transaction A, even though it reflects on my PNC bank account, and PNC has failed to do adequate research on it. Transaction B was reimbursed because XXXX 's saw I was disputing the first charge, but that reimbursement only covered Transaction B, not Transaction A. Having cancelled the installation date under Transaction B, they schedule a third time under Transaction C and charged me again.
Company Response:
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had a mortgage with pnc mortgage I was a yr and 5 months behind on taxes before XXXX XXXX I paid XXXX taxes in full I was five months behind I have to house next to each other so I was paying taxes on both and got them both caught up I thought cuz I called and treasury told me I was caught up on both this was around end of XXXX of XXXX so I made a 2 mortgage payment on my house at pnc bank have them give me 2 separate receipts then in XX/XX/XXXX I paid two more then on the day before XXXX I got a {$400.00} check from PNC mortgage and this is a long weekend because Thursday and Friday we had off for the holiday so I called PNC this was on Wednesday night about 6 oclock asked why they sent me a check for {$400.00} and they told me it wasnt enough to cover my mortgage and I said yes it is it covers to mortgage payments and she told me know that my payment was XXXX and something dollars and I was four months behind just about five and I said what in I told her she had to be making a mistake and then a lady from Escrow got on the phone and told me I suggest you get a hold of you XXXX XXXX because they contacted us and told us that we needed to pay your taxes or they were going to put a lien on the house cuz they were protecting there investment have you this was Wednesday night before long XXXX weekend Thursday and Friday we are off for the holiday so I had to wait until Monday to call the treasure I talk to him he told me that they did not contact PNC mortgage about my taxes that I wasnt far enough behind and that a company called XXXX paid With a paper check In XXXX And he stated it was not PNC Bank so I was instantly upset I call PNC Bank back made A complete contesting the issue lady told me that it takes up to 30 days but in this case she thought it could be done in 10 days so I wait then in XXXX I get a letter in the mail from PNC bank saying that I asked for mortgage help which I never did then I got a paper stating that I declined the help and got a paper saying that my house is worth {$120000.00} and I owe {$11000.00} on it roughly and never answered me about my complaint contesting the taxes and being lied to from lady in escrow and payments going up and being behind in payments so the end of XXXX I decided I better pay this house off because theyre trying to take it I thought to myself and try to steal my house cause I didnt get no answers so I paid the house off which was XXXX and some dollars took all my savings and this was on XX/XX/XXXX I paid the house off at PNC bank itself they give me a receipt in a wait two months call and ask what happened to the escrow the lady couldnt answer me so I went another month and I call and the lady told me on the phone that the escrow went to payments and then she told me one was for XXXX and some dollars for foreclosure and I said what because they never said anything to me about my house ever being foreclosed on and I made a complaint about my payment going from XXXX to over XXXX $ without them contacting me and they sent all the paperwork to a house that I havent lived in for XXXX years and they had my current address but they said my mailing address was still at XXXX XXXX XXXX when I live at XXXX XXXX XXXX XXXX. which the bank PNC Bank has that on file because I changed it when I first moved so to make a long story short I made for payments without the bank saying anything to me about being short on payment never got a letter from the bank about foreclosure or escrow by payment getting paid up higher or I wouldve paid the taxes myself I wouldve made sure I paid them so my payment didnt go up so high and I didnt know anything about it until almost 5 months it was four months and three weeks when I found out that my payments werent being made and they sent me two checks back to {$400.00} one was XX/XX/XXXX or XXXX that I got and the next one I got after that and then I ended up paying my house off on XX/XX/XXXX cause I never got a response from the bank on my complaint contest what they did with my taxes and they were gon na take my house and they never said said anything about foreclosure to me when I made contact with them several times after I received my 2 payments Back in late XXXX I just felt it and I feel like they were trying to steal my home that I worked many years for and they never contacted me to even tell me about it and when I did contact them they never told me about it on the phone I just get these letters in the mail saying I asked for help which I didnt and I just paid it off on XX/XX/XXXX so I didnt have to deal with them anymore and I go to refinance my home that I live in now and I was denied because I got so many late payments in numerous late payments the lady told me on the phone which I was approved three months prior and then after all this Im not approved to go to 2.3 % from 5 % because of this issue with PNC Bank not contact me when they had my address and they said they had my new address but they had my old address for mailing purposes so they never I never got anything you sent everything to my old house and I never got an explanation for my complaint I never got a explanation on my escrow to this day I didnt know anything about a foreclosureOr paying for a foreclosure fee see they never said anything to me about this or I wouldve just paid it I wouldnt of got all these late payments because it wouldve been paid but they were taking my payments of {$200.00} a month when it was apparently went to XXXX and some dollars a month and I wasnt even aware of it and the bank didnt even tell me when I make the payments at the bank so I really feel like I got screwed and tattooed by this PNC bank and I feel like they were trying to steal my house
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2021, the IRS sent my economic stimulus payment to an account that I closed at PNC bank. They never sent it back to the IRS but instead sent it to another account that is open that I dont use, knowing that it will never clear because it was not sent to that account from the beginning. Spoke with a lady XX/XX/2021 on the phone who couldnt tell me why it was still there trying to be deposited into an account it wasnt intended for. She tells me it hasnt posted yet ... I said its not going to post because its not the right account. Just a mess. Now, I have been sitting in my car at this PNC on XXXX XXXX. since XXXX waiting for someone to tell me why? Its XXXX and still no answer. Its XXXX and I am leaving with my money. No explanation as to why it was there in the first place. Lady was really nice though and thanked me for being patience with her.
Company Response:
State: NC
Zip: 28052
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I had a negative balance prior to getting the 3 rd stimulus. It went in via direct deposit so did my paycheck. I noticed a yellow triangle on my online banking at top. I clicked and its all jargon that a non banking person can not understand, so I called customer service. I spoke to a lady who I asked what this yellow triangle is for and why theres another credit in my account. She proceeds to tell me its Covid 19 relief from bank for overdraft fees I had. So I said ok thanks so much thats great! So I got that on the XXXX th into my account and contacted the PNC branch about this few days afterwards. Fast forward to XX/XX/21. My check at XXXX was declined. I called XXXX XXXX and that place is terribly wrong on many levels. Long hold times, unable to understand person on other end due to language barrier. They told me my bank did this. And to contact yet another third party so I did it was XXXX XXXX XXXX who stated also it was my bank. I reached out to PNC via online chat. And the girl told me my account was negative XXXX!! And it actually shows on my end XXXX and some change was in there left! So I then asked for a manager who told me they automatically did this for everyone who had a negative balance for stimulus! I never was informed, thats why I called when I saw yellow triangle caution thing on my account! So as a consumer, without my permission they did this and now Im out and flipped XXXX down again because of the bank. They did this I called to make sure got wrong information obviously and was basically told so sorry we will train staff more! Bull XXXX this was done without my knowledge, permission and this is unfair banking practices. Im now right back where I was prior to getting stimulus because of pnc bank and what they did without my permission and knowledge.
Company Response:
State: PA
Zip: 16001
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: PNC BANK Fraud XXXX Alert : Account duplicate Dark Web Cell phone ported Requested Account Closed XXXX XXXX New account/Identity Theft-Calls made received by impersonating representatives. Change made to savings account by external party unknown. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My wife and I have a first mortgage on a condo and have been in forebarance due to COVID. Instead of foreclosing, we have found a buyer for our condo and are supposed to close on XX/XX/21. Our closing attorney office has found that PNC has incorrectly filed the Deed paperwork for the second mortgage LOC that we paid off a couple of years ago, before the pandemic. Due to the incorrect Deed paperwork, we are unable to close and have spent multiple days trying to work with PNC to get the Deed paperwork filed correctly. PNC failed to identify the Tax Parcel ID, which was left blank, along with other errors. We expressed the severity of needing the corrections made so we can close on the condo property but PNC has not been responsive to our requests to correct the matter. This error has not only caused undo stress, but will also result in monetary penalties on my part due to their lack of accuracy and responsiveness. Our closing will have to be delayed and PNC representatives who have assured us the issue will be resolved have not responded as promised.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX the XXXX at XXXX XXXX XXXX had an appointment at PNC bank to try to refinance his house at XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX They told him ( us ) we had to pay {$31.00} for them to run a credit check on Mr XXXX ... We paid {$31.00} for the credit check, ,After being on the phone with XXXX XXXX of PNC loan officer.. He told Mr XXXX XXXX he had to pay {$500.00} for an appraiser to come out and appraise the property ..All we want to know if that is right or is it by law ... Mr XXXX do not have the money to pay that {$500.00} ... XXXX XXXX mortgage loan officer said to the daughter let your daddy borrow the money from you, or get it from your stimulus check ... .And I told him I have not got mine yet he said it is coming ... .... All we want to know is all of this legal and right
Company Response:
State: NC
Zip: 28334
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Incident happened on XX/XX/2021. I saw that my account was negative XXXX dollars. I had been contacted about a company offering to pay me for advertising their brand on my truck and I would be paid to advertise the product. I looked into it briefly and saw that company 's do indeed pay clients for advertising. Although I was hesitant at first I actually did receive a check and I was talking this same man everyday about how to do the process it seemed very legit. He had a business card. I thought I struck gold with this deal.. I needed the extra cash because I have 3 small children and work pay check to pay check so I figured fast cash, awesome. I was obviously wrong! I received the check on Saturday XXXX after work at XXXX it looked just like a payroll check from a real bank. The check was for {$2900.00} dollars.I took the check to the ATM because the bank was closed it said the check would need to take 3 days. I knew it needed to be cleared so I thought that was fine and Normal to make sure it was legit.. The check was pending for 3 days and on the 3rd day the check was made available to my account.I still thought wow it was real because my bank had approved the check. The bank never called me to question the check or to say it wasn't cleared knowing I have never used this bank before from this check. My bank PNC usually always calls me when the smallest thing is off so I thought awesome I was in the clear and the company was legit if there was any regarding flags my bank would notify me. The deal with the advertising company was that I needed to send this man a professional sticker man who need to put this huge sticker on my truck his fee of XXXX dollars and I would keep XXXX of that check and I would receive XXXX dollars a week for 8 weeks for advertising the sticker but with the first check I needed to pay for the sticker to be put on my truck. After receiving the check on the 3rd day which was a Tuesday XX/XX/2021. I had not touched the money still hesitant so I waited the following day which the bank had still not called me to say anything was wrong or off in the slightest way and so I thought it was a Legitimate business paying me to do advertising. On Wednesday XX/XX/XXXX, evening time after work about XXXX which is now the 4th day I had this check in my account the funds showing made available I never touched this money until the 4th day after hours is when I sent this suppose " sticker man '' the first payment I was told to send to get the process of this sticker going. I sent from my bank account to a XXXX account which I thought was still legit because PNC Bank recommends XXXX on my bank app.. So I felt this had to be very much real to send through my account to a XXXX account. I could only send {$500.00} at a time. I sent XXXX dollars from the check to this XXXX account I have never sent money to before.. My bank never once contacted me to say anything was off or to check if this was me or to say it seemed off. So I thought I'm protected if this was a scam my bank would keep me their client safe and contact me if this was not real. Not the case! The next night after work I still hadn't been notified by my bank about this check. So I sent the last of the payment to the man I thought was the sticker man for my truck. The payments both went through on the XXXX after having the check in my account at XXXX it went through two transactions of {$500.00} dollar transactions. I went to send the last {$100.00} and my bank app account said that my account was in the negative at already sending 2 payments prior to this. I instantly started to panic. I called the banks XXXX number the bank had said everything was fine there was a mistake in my name on the check and that I just needed to wait for the check in the mail and then take it to my bank and they would fix it. Not the case at all. I soon realized after trying to contact the man I had been talking to he would not answer me. So I felt then it was a scam. I never ever thought I could get scammed its 2021 I felt using bank accounts and how banks protect their clients that something like this could not happen to me. I tried to have my bank reverse the payments from the XXXX account back to my account since the was not real and the funds were taken back from the bank. The bank said they could not do that. I was overdraft XXXX dollars. My confusion is that when I went to the bank the next day the 6th day the bank manger informed me that this happens all the time to their customer and that sadly we can not get our money back. As you can imagine I was devastated as a single hard working father of 3 small children living pay check to pay check. I just lost my children XXXX dollars of our money. I felt like the worst parent in the world how could I fall for this scam I felt how could my bank let this happen. But again I felt through my bank a huge corporation I was protected from things like this. Why hadn't the bank blocked the payments of the 5th day why did they wait til the sent two XXXX dollar transactions then overdraft me that same day.. I'm so confused. Why would my bank make me wait 3 days for a check to seem like it cleared and then make the funds available for me to think it was a real thing when they have been seeing this scamming happening to theor clients all the time? As my bank how could they not have contacted or reached out to me seeing that I have never gotten a check from this bank before and saying to wait a few more days to make sure the check was fine so I was in the clear. I felt tricked not only by the scammer but also by my bank that I have had for years. Even after the 4th day of having this check then seeing that I was sending a random person money multiple times after receiving a random check I never received a call from anyone from my bank to check to see if this matter was legal and to protect me as their customer from any scammer. How this whole situation was handled by my bank I feel is wrong, yes I made the mistake of trusting someone that lied to me because I was trying to make extra money for my family. But for my big corporate PNC bank to watch the whole process and never once warn me. Is mind blowing to me and I feel is not right. I feel there is wrong doing on my banks part in this matter as well. Any other time when I try to make large charges over XXXX dollars my bank always blocks it so that I have to call in and they ask me if it's me and their just checking making sure everything is okay. Why this time my bank couldn't block that first XXXX dollar through XXXX so that I could call the bank and they could say hey that check is still not all the way cleared to protect your funds you should wait a few more days I would have been so grateful and not out of XXXX dollars right now. As my bank how is it not their duty to better protect their clients from things like this. I thought that after the three day hold on the check that it was cleared and I was free to use it but was I wrong! I feel tricked my bank claims they gave the funds as a courtesy and then after the bank had seen that I had never cashed this type of check before they felt it was a good courtesy to me to give me these funds, how? Then in just a few days later let me send multiple charges to an account I never sent money to before they just let ever transaction go through never once emailing me, alerting me, or blocking the transactions. Knowing that this check hasn't cleared that I should wait afew days to use the funds. I have went to the police and I have filed a claim with the police on the scammed. I hope the person is caught and charged but as for my bank they claim no wrong doing on their part at all for making the funds available for me to think I had that money from a random place. I understand it is my fault but if my bank could have handled and helped me prior to all this lile they should have knowing scammers are out there maybe I could have not been out of so much money right now.. If one person from my bank could have reached out to me and said hey sir something doesn't seem right about this check it hasn't all the way cleared I would have never touched any of that money until I knew the bank had cleared it or even after seeingme send money the 4th day if I could have gotten a call saying to hold off until the checked clears to be safe. I thought it was cleared after the first 3 they held it and the 4 day of me waiting to use it. Still no alert saying it wasn't cleared. Please if you can help me get my XXXX dollars back I would appreciate it. I don't see how my money isn't insured with this issue. Why was those funds made available for me to think the check was real? Why when I sent multiple transactions the first time to an account I never used before was I not alerted then about the situation of the check not being cleared. I don't understand why my bank did this to me then turned their backs sayingthey did no wrong there's nohing they can do to help me. I am completely distressed in this matter. I do not have a college education and I am clearly not the smartest person but these people in these banks are educated and isn't it their job to protect their clients and their money? Why do I feel like my bank helped me into getting scammed? One simple courtesy phone call from my bank one email explaining scams happen could have helped me and protected me and I could see and understand the scam I was now in. I learned my lesson and will never trust another person again I never thought a person could be so low into taking a hard working person 's money. Please help me into resolving this issue with my bank they allowed these funds available just to take them back after I sent them to an account that I couldn't resolve this issue with. If they would have just kept that check until it was completely and fully cleared never giving me the funds and when it wasn't cleared I would have known this was a scam. My email is XXXX XXXX
Company Response:
State: PA
Zip: 15401
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A