Date Received: 2023-10-18
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On or about last Friday XX/XX/XXXX I was informed by a customer service representative that my checking account was compromised. And they put a hold on my account. However to this day they havent provided any accurate evidence except for their constant lying. Because at one point they stated that someone called their customer service trying to get into my account. And now theyre saying it came from an online source. So on this past Saturday I goes into the PNC Branch @ XXXX XXXX XXXX XXXX Pa XXXX and had to open another account. Claiming that both accounts were put on hold. But when I contacted their Acceptance Department @ XXXX XXXX XXXX in reference to a check for {$370.00} that came in they refused to transfer money from the new account to cover the funds and I got notified from PNC Bank by way of email that my Checking Account is now overdrawn. And they keeps referring my complaints to the same non caring customer service representative XXXX XXXX to whom is continuing to cover up PNCs misconduct and lies. Because someone from their Acceptance Department stated that there were 14 errors done one my account
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, PNC blocked our access to our checking account. We had no access to our money. PNC never reached out to us to warn us or tell us why. We have only gotten some vague explanation about a fraud concern. We have fraud monitoring through XXXX, and XXXX did not detect anything suspicious on our account. XX/XX/2023 was a holiday weekend, and PNC gave us no option for solving this problem until the following XXXX. We were without access to OUR money for the weekend. Bills that we had paid could not go through. On XX/XX/2023, we went to a PNC branch. An employee there helped us open a new checking and savings account. We are not making any complaints about this employee. It took this employee almost XXXX hours to get through to the PNC fraud department. The fraud department lifted the hold on our checking account so that we could transfer money out of the old account and into the new account. We left enough to pay some outstanding bills. The old account was kept open to receive some direct deposits that would not be in time to change to the new account. Since XX/XX/2023, we have called the PNC fraud department to have the hold lifted so that we can transfer money as it comes in. On XX/XX/2023, we transferred a direct deposit from the old account to the new account. On XX/XX/2023, PNC transferred that money back from the new account to the old account. PNC did this without notifying us, without any explanation, without our permission. PLEASE HELP! We are terrified. We don't understand what is going on. PNC is making unilateral decisions about our money without any notice to us. Again, we did not give permission for PNC to take money out of our new checking account, and move it back to the old account. We have no access to it in the old account, and that account was about to be closed. We feel very unsafe with PNC right now, and like something just isn't right. We have little hope that this complaint will do anything, but we are hoping maybe someone will read this and help us. Thank you.
Company Response:
State: RI
Zip: 02908
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: I am a XXXX XXXX and I'm going to explain my problem. I worked in XXXX XXXX, NJ last summer and this summer too. My bank was PNC. This year was my last year participating in the programm. So I went to PNC to ask them if i can send the money to my bank account in XXXX and close the bank account the same day. They said no, that I need to send the money 3 days before closing the bank account because they can't do it if there is a pending operation. So I went to the bank and sent the money ( XX/XX/XXXX ), I received a document stating that the money was sent and that I will be receiving it within 2 weeks. After 3 days, I went to the bank and asked if everything was in order with the wire transfer and they said yes, so I closed the account because I'm not going back ( XX/XX/XXXX ). The very next day I flew back to XXXX. Fast forward to today ( almost 2 months later ), I still don't have my money. They called me and told me there was an issue and that they don't work with the bank I was trying to send the money to. So I gave them a new bank account in XXXX to send it to but they refuse to do it because of their policy. They say that the only thing they can do is send me a check to my last address ( it is in the XXXX and I live in XXXX ). I tried explaining that my bank doesn't work with checks but they don't care. So I basically lost all the money I worked for in the XXXX. Please I need help
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, my money disappeared. Suddenly, I went to one of the bank branches. He replied to me, saying, You have a refunded check. I said, This is your problem, not mine. Why is my money now XXXX? Where is my money? He replied to me, We are reviewing your account and it will be returned after 45 days.
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: In mid XXXX we were notified by our county that our taxes hadn't been satisfied. I made multiple attempts over multiple weeks to get this rectified with PNC. Finally on XX/XX/XXXX PNC confirmed that payment was mailed. Please note, this took well over a month and a half to resolve. A week prior to resolution, I requested they close our Escrow account so I could manage and pay this on my own due to my concerns in their failure to pay time and rectify the situation timely. On XX/XX/, I finally received the paperwork to cancel escrow and was shocked to find that they required a payment from me of {$520.00} which is .25 % of my escrow balance. I questioned if this could be legitimate and the rep stated it was a " national '' type fee that all companies would charge for doing this. Working for a credit union myself, I inquired with our department and they stated that they had never heard of that and they had never charged that. XX/XX/XXXX I requested a disclosure of this as our mortgage wasn't signed with PNC but PNC did buy our mortgage from our previous lender, XXXX. Whether it's a fee that PNC CAN charge, it's very much a junk fee and is absolutely unnecessary. If this was a basic savings account ( which it ultimately is ), I shouldn't have to be charged an absurd fee ( $ XXXX ) to retain funds that are ours to pay bills for our mortgage that PNC has proved they couldn't handle doing timely. Their errors and my distrust in them is the only reason I requested to close this in the first place. As of today, I don't have a copy of the disclosure/fee statement I requested. In reviewing our mortgage statement, I am seeing that they disclose " CFPB 2nd Servicing File in 6 months of {$250.00} ; Escrow Deletion : .25 % of Unpaid Principal Balance ; They charge {$15.00} for " priority service '' and various other fees and state they are " subject to change without notice, subject to applicable laws. '' I am located in Wisconsin so would be curious if this is a fee even permissible in Wisconsin. Even if it's not " against the law '' to charge a fee, does not mean that they SHOULD charge a fee and this directly aligns with CFPB 's publications and working towards removing junk fees.
Company Response:
State: WI
Zip: 547XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This has been going on for years. I have started questioning in the last 5 years. At one point one of these people took {$1000.00} from my checking account. I think I have my bill paid and suddenly Im paying at the end of the month for something I paid for in the almost the middle of the month. And when I call them on it they say a company I purchased from can take 3 days or 30 days to submit the purchase to them ( the credit card company. ) and they cant tell me what was purchased only that a purchase was made on a certain date. So I have to trust the process like the process cant be corrupted or abused or mismanaged! XXXX XXXX XXXX XX/XX/2023.
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened this account in response to a zero-interest rate balance transfer offer. On XX/XX/26 I requested two balance transfers, in the amount of {$3500.00} to XXXX card and {$7900.00} to XXXX that were billed to my new account that same day. The marketing materials ( and the disclosure that was made to me at the time I made these transfers ) indicated that it would take a maximum of 13 business days for the transfers to be made and credited to the respective accounts. It has now been more than 13 business days. I have since been billed by this bank for the first monthly payment on those transfers. But the transfers have not been made. I called this bank today ( spoke to XXXX, who would not provide any additional information about her identity ) to find out why I was being billed for balance transfers that have not been made. The bank indicated it would take an additional 7 business days for these transfers to occur. I asked where it was disclosed to me that it could take up to 20 business ( not the 13 days that was disclosed ) to make these transfers and the bankXXXX said it " could not '' provide that information. This bank is engaged in false advertising designed to lure customers into opening new accounts without honoring their responsibilities to make balance transfers within the time frame indicated in their written disclosures. I believe this bank is engaged in a sophisticated type of marketing fraud.
Company Response:
State: CA
Zip: 943XX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to complain to PNC BANK about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX PNC Bank XXXX XXXX XXXX XXXX, Ohio XXXX Re : PNC XXXX XXXX XXXX XXXX XXXX Credit Card XXXX for XXXX XXXX XXXX XXXX - Loan Reference Number : XXXX To the Underwriting Team at PNC Bank, I am writing to address the recent denial of my PNC XXXX XXXX XXXX XXXX XXXX Credit Card application for XXXX XXXX XXXX XXXX, which was assigned the loan reference number XXXX. The denial letter stated that my application was declined based on specific factors, including : 1. Serious delinquency 2. Length of time accounts have been established 3. Time since delinquency is too recent or unknown 4. Number of accounts with delinquency I appreciate PNC Bank 's commitment to responsible lending practices and the importance of complying with relevant credit regulations, including those outlined in Title 15, Section 1611 of the United States Code. Furthermore, I am concerned about potential faults and misleading information in the consumer transaction, which may have affected this decision. In addition to the regulations already mentioned, I would like to bring to your attention the following laws, which are also applicable to credit decisions and consumer protections : **Fair Credit Reporting Act ( FCRA ) : ** The FCRA is a federal law that governs the collection, dissemination, and use of consumer information, including credit reports. I request that PNC Bank ensure full compliance with the FCRA throughout the evaluation process of my credit card application. This includes providing me with any and all information used to assess my creditworthiness and the source of such information. **Equal Credit Opportunity Act ( ECOA ) : ** The ECOA prohibits creditors from discriminating against credit applicants based on factors such as race, color, religion, national origin, XXXX, marital status, age, or because an applicant receives public assistance. I trust that my application was treated without discrimination and in accordance with the ECOA. To ensure full transparency, I kindly request a review to verify that the credit decision adhered to the ECOA 's non-discrimination provisions. Specifically, I would like to understand : 1. How the serious delinquency is defined, and the specific accounts that fall under this category? 2. The criteria used to evaluate the length of time accounts have been established and how this impacted the credit card application. 3. The methodology used to measure the time since delinquency and how it contributed to the denial. 4. Insights into how the number of accounts with delinquency was determined. Moreover, I request a copy of the consumer report or credit report from XXXX that was utilized to assess my application, to ensure the accuracy and completeness of the information used. I understand that the denial letter stated that the consumer reporting agency did not make the decision and is unable to provide specific reasons for this action. Nonetheless, these legal references underscore the importance of a thorough and accurate review of the transaction to protect consumer rights and ensure fair treatment. Please ensure that this letter reaches the underwriting team at PNC Bank responsible for evaluating my credit card application for XXXX XXXX XXXX XXXX. You may reach me at XXXX to facilitate this process or if any additional information is needed. I am committed to resolving any issues and, if possible, reapplying for the credit card that my business requires. I look forward to a prompt response from the underwriting team at PNC Bank. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19006
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account at the XXXX, CO PNC after multiple visits to verify the promotional offer. The bank representative knew that I was opening the account to receive the {$400.00} bonus after {$5000.00} was direct deposited. The bank representative told me they would " keep an eye out '' for the $ 25 monthly service fee if the account did not have the required balance. Note the representative never used the phrase, " one time '' when he implied that the monthly service fee would be waived. I received multiple service fees. When I called PNC after the {$5000.00} deposit criteria had been met I was told that the account was not set up correctly at the depositing credit union to receive the bonus. I said that this should have been checked by PNC when the account was opened and when the direct deposits began. I asked them to dictate the explicit way the account needed to be set up so that it could be corrected and they refused to tell me. I asked them to correct the way the account was set up because there would be more deposits in the future, the bank XXXX said this was impossible and refused to investigate further.
Company Response:
State: CO
Zip: 80301
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A