Date Received: 2021-03-25
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/2021, I applied for an online checking account at PNC with a {$200.00} cash offer to open the checking account. After I filled out the information and submitted the application, I received a notice that my application for a checking account was denied. I received a notice that PNC would not open a checking account because of information from XXXX XXXXXX/XX/XXXX I attached the notice to this complaint. On XX/XX/2021, I contacted XXXX XXXX XXXX to find out what is going on. They wouldn't give me the information over the phone. They claimed that it would take several days to send me the report. I requested for the report. They emailed me a Deposit Score that I attached to this complaint. XXXX XXXX XX/XX/XXXX could not help me fix the problem. On XX/XX/2021, I called PNC Bank to find out if I could get someone to help me open the checking account or a least find out the reason my account was denied. However, everyone I talked to did not seem know what to do. They all sent me to different people and no one was able to help me. After talking to a few different people, I was sent to another department that was not able to help me and my call was ended. I do not understand why I was denied a checking account. I have not committed any fraudulent activity. I work for the U.S. Attorneys Office in the Department of Justice. I received an extensive background check for a security clearance. I would lose my job if I committed any kind of fraud. I have not over drafted any of my bank accounts. I have checking accounts with XXXX XX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX. Applying for a checking account has never been an issue and this is the first time I was denied.
Company Response:
State: CA
Zip: 95827
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: XX/XX/XXXX PNC Auto loan opened. The car was in an accident that totaled the car. Because of the sale price and small amount down on the car I purchased GAP insurance. The accident occurred early in XX/XX/XXXX and my insurance carrier had paid out their claim before the end of XXXX. I still continued paying on the remaining balance for XX/XX/XXXX and XX/XX/XXXX. I had to fight with ( multiple different representatives ) PNC ( the bank asking for payment ) for the correct documentation that the GAP insurance company required to process the claim on the remaining balance. They would not disclose the documentation required to get the GAP claim processed. By XX/XX/XXXX I finally worked my way up the management chain to an area supervisor that finally sent me the documents necessary for the GAP claim and the balance was paid in full. XXXX was " LATE '' only because PNC would not do their part and again I paid 2 payments in the meantime but couldn't afford to shell out {$440.00} for multiple months for nothing. By the time the money got to PNC the account was closed XXXX by their count initially XXXX in XXXX. After disputing the incident with experian they changed the close date to XXXX but this still cost me -80pts to all 3 bureaus ( give or take a few pts ) which took my lifelong achievement of XXXX Fico down to below XXXX wXX/XX/experian. This is unacceptable. I knew it could take a month or so to sort out but I never thought over 2-3 months and the late payment in XXXX I am still fighting to have wiped from my record. Never again will I do business with PNC. They messed up, they didn't give me the required documentation TO PAY THEM and by the time I finally got it and they apologized to me, AND STILL REPORTED IT LATE.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
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 disputed 2 secure prepaid cards and my credit score dropped 30 points for 1 of them.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX HAS ALL THE PROOF THEY NEED TO REMOVE THIS FRAUD ACCOUNT FRO MY PERSONAL CREDIT FILE AND STILL THEY REFUSE TO REMOVE IT. I HAVE PRODUCED POLICE REPORT, FTC REPORT, COURT DOCUMENTS, ARREST REPORT AND STILL ITS ON MY CREDIT FILE. THE ADDRESS UNDER THIS ACCOUNT IS FRAUD AND ACTUALLY THE ADDRESS IS DOCUMENTED IN SOUTH CAROLINA WITH THE XXXX XXXX AND ATTORNEY GENERALS OFFICE AS A BLACK MARKET ADDRESS BECAUSE ITS A PARKING DECK IN DOWNTOWN XXXX AND SO MANY PEOPLES IDENTITY IS USED TO RECEIVE STOLEN CAR LOANS. XXXX KNOWS THIS AND IVE SHOWN PROOF AND STILL NO REMOVAL OF THIS LOAN. THE GENTLEMAN WHO WAS CHARGED WITH BUYING A TRUCK IN MY NAME USING PNC BANK IS ACTUALLY A PNC BANK OFFICIAL. SO PNC BANK IS PROTECTING HIM BECAUSE OF LEGAL ISSUES. ALL I WANT IS THIS ACCOUNT TO BE REMOVED AND BLOCKED LIKE IT IS ON XXXX AND XXXX. PLEASE REMOVE OF LEGAL ISSUES WILL COME. IM A XXXX XXXX XXXX AND IVE NEVER SEEN A BANK OR CREDIT BUREAU BEING SO WRONG AND BREAKING THE FEDERAL CREDIT GUIDELINES. I ASKED THE BANK SEVERAL YEARS BANK TO PROVE THIS LOAN WAS MINE AND THESE NEVER RECEIVED ANYTHING! XXXX YEARS AGO THERE WAS ANOTHER LOAN THAT PNC BANK GAVE TO SOMEONE AND USED THE SAME ADDRESS OF XXXX XXXX XXXX XXXX SC XXXX AND XXXX AND PNC BANK REMOVED THE ACCOUNT AND BLOCKED THE ADDRESS AS FRAUD BUT NOW THEY REPORT IT AGAIN ON MY CREDIT FILE. XXXX XXXX YEARS AGO VERIFIED XXXX XXXX XXXX WAS A FRAUD ADDRESS AND BLOCKED IT ON MY PERSONAL CREDIT FILE BUT NOW THEY REPORT IT BECUASE THE BANK SAYS IT CORRECT WHEN ITS ACTUALLY NOT. XXXX IS PROTECTING THE BANK VS THE CONSUMER AND IVE HAD A XXXX BECAUSE OF THIS AND LEGAL ISSUE WILL COME IF NOT REMOVED
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I was issued a Visa prepaid card from PNC Bank on XX/XX/XXXX for {$200.00}. The expiration date on the card is XX/XX/XXXX. Before I could use it, on XX/XX/XXXX they closed the account and charged the {$200.00} in fees as an administrative adjustment. I called them multiple times after trying to use the card and was told there was nothing they could do and I was out of luck. They told me to refer to the terms and conditions of the card. I still have the terms and conditions, they state : The Card is valid until the entire value of the Card has been used or until the expiration date on the Card, whichever occurs first. Any funds remaining on the Card do not automatically expire on the date of Card Expiration. Seeing as how I didn't have a chance to use the card while it was still valid, I would expected to receive the funds I was issued. They told me they didn't have an address on file to send a check, when in fact they sent out the original card.
Company Response:
State: WI
Zip: 53593
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I received a check in the amount of {$1700.00} for an item that I was selling. I deposited the check on XX/XX/21, waiting for it to clear from " pending '' so that I knew it was in my account. When it cleared the next day as shown on the PNC app, I sent a part of the check to movers on XX/XX/21. The check bounced a few days later on XX/XX/21. I called the institution to argue that according to the app, they had released the money into my account without checking for the fictitious check. They said nothing could be done. The bank has a system that told me the funds were not " pending ''. The representative told me the check takes longer to verify than the date the funds get released into my account. Why is there such a discrepancy and why even have the word " pending '' then?
Company Response:
State: NY
Zip: 12550
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Pnc bank earlier this month just to pay bills. I deposited a check I received from XXXX XXXX and they initially accepted it and it cleared. The next day they reversed it and charged a returned check fee. They said it was altered which I dont know how. When I used their mobile deposit feature it said my signature was too light so I traced over my name with black ink so they would accept it. If that was the mistake then my bad. I reached out to XXXX and they were useless. They said call the returns department or the escalation department. I kept asking them what will it take to get my money back and they wont tell me except for me to give my information to their escalations department. Mind you, Im on vacation and I dont want to deal with this XXXX. I tried to resolve it before vacation but I couldnt. Just run me my money and Ill leave you alone. The only reason why I joined this sorry excuse for a bank is because I could have an account under my married name. It took me almost a year to find a bank that let me open up an account under my married name and let me deposit this check I received from XXXX, despite being born and raised in the US.
Company Response:
State: VA
Zip: 22903
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Other transaction problem
Subissue:
Consumer Complaint: In the PNC banking. My account was hacked XX/XX/XXXX. And this day. Havent been resolved. What I be able to do at this point?? XXXX XXXX. ( XXXX ) XXXX XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Dear sir or madam, I am writing this email about the opening bonus of PNC business checking account. PNC bank has promotion to open business checking from XXXX, XXXX to XXXX XXXX Earn {$200.00} with a business checking account when you complete the following requirements : Maintain the minimum average cycle balance of {$5000.00} for each of the first 3 statement cycles Make at least 20 total qualifying PNC Bank XXXX XXXX XXXX transactions and/or PNC Bank Mobile Check Deposits [ 3 ] within the first three statement cycles I applied for the PNC business checking online on XX/XX/XXXX. I received email and mentioned that my account was approved. But I need wait for a phonecall : ( please see XXXX email 1 ) You will receive a call from the PNC Care Center to guide you on your next steps of completing the Account Opening Process. Once you have completed your Account Opening Process and you have your account number, then you can enroll in Online and Mobile Banking1,2. Even if PNC indicated my account was approved, but opening process was not complete. I waited for phone call for many days to finish my opening process. I received an email from XXXX XXXX instead of phone call. This email mentioned that my account opening request is not complete, and I need esign and confirm the Account Registration and Agreement ( s ) contained in the URL link below where indicated within 10 ( business ) days. I called XXXX and asked several questions and finally I esigned everything requested by XXXX on XX/XX/XXXX. ( please see XXXX email 2 ) Then I sent email to XXXX and ask for account number and online access pin in order to enroll online bank to fund the money ( At that time, it was peak time for Covid 19 ). XXXX told me that account number is embedded in esigned document ( it is difficult to find ), but he didnt have online access pin and he gave me a phone # ( please see XXXX email 3 ). However, the phone # was wrong, After I got correct phone # and contacted the correct person for online access pin, she told me that she couldnt tell me the pin by phone, and she need mail to me. After I received the online access pin, I immediately enroll online banking and started to fund {$5000.00} into my account on XX/XX/XXXX. I might receive the online access pin on XX/XX/XXXX. I would like to consider this date is my account opening date. After that I deposited over {$5000.00} in my checking account for more than 3 months and spent debit card over 20 time within 90 days. I think that I have fulfilled all PNC bank promotion conditions and should receive {$200.00} bonus. But I didnt. I called PNC bank customer service and asked why I didnt receive {$200.00} bonus on XX/XX/XXXX. The representative told me that I didnt deposit {$5000.00} in first statement cycle. The thing is my PNC business checking started to fully function on XX/XX/XXXX. And I deposited {$5000.00} on XX/XX/XXXX. Before XX/XX/XXXX, my checking account was not complete and have many different issues. I believe that I fulfilled PNC bank business checking promotion conditions and I would like PNC bank to credit {$200.00} into my account. Please see the attached email for details. Thank you very much for your considerations Sincerely XXXX XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Getting the loan
Subissue:
Consumer Complaint: PNC creates barriers against small borrowers and crafts non IRS interpretations as part of its program to prefer large borrowers. It had no specialized access during the Biden expansion. Requires small borrowers to use expensive processes and accounts. Limits access when it claims it is seeking information by closing its portal.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A