Date Received: 2021-01-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am a long time customer with pnc bank, on XX/XX/XXXX I tried to deposit XXXX dollars into my account through the atm with pnc bank. The atm malfunctioned and gave me back XXXX keeping the other XXXX dollars and not giving me a receipt. I talked to the teller and deposited the XXXX dollars and filed a dispute for the remaining XXXX that The machine did not give back. Five days later I received a provisional credit for the XXXX. Almost two months after that theyve performed a provisional credit reversal for the XXXX and are telling me there is no evidence of any overage in the atm or the bank. Ive been to two branches and have talked to there escalation manager XXXX XXXX multiple times and have filed multiple disputes with the same result. They are telling me there is no extra cash that was found.
Company Response:
State: DE
Zip: 19966
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/25 I inquired about a loan to pay me backrent with a company called XXXX XXXX XXXX and they told me that I would be approved for a loan of XXXX and would have 48 months to pay it back. And I accepted they asked for my bank information I provided that. Then they filed disputes on my bank account and took XXXX dollars from me and now do not answer my calls.
Company Response:
State: NJ
Zip: 08611
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. On XX/XX/2020, PNC BANK add a hard inquiry on my credit reports. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I'm mainly writing this to serve as a warning for others, as based on several calls with the bank they are not willing to do anything about it. I would like to preface this by saying that I have been a customer of PNC Bank for 10+ years and have had zero issues up until this point, so I was surprised with how this situation was handled. On XX/XX/2020 I made a deposit for {$100.00} to XXXX as a new user to take advantage of one of their promotions. There was nothing when I was entering my payment info on the website to make me feel as though this would be treated any differently from the hundreds of prior transactions I've made with a credit card in the past. On XX/XX/2020 I was hit with a {$10.00} " Finance Charge '' and on XX/XX/2020 I was hit with at {$1.00} " Minimum Interest Charge ''. On my next statement but also on XX/XX/2020 I was credited {$1.00} and {$0.00} in two separate transactions. I didn't notice any of this activity until after I paid the statement balance. When I viewed my FICO score, it had dropped around 20 points. Apparently what happened was the {$100.00} had been processed as a " Cash Advance '', triggering the fees. My fiance made the same transaction on her new account on the same day for the same amount, using a XXXX card. Her transaction processed as a normal credit card transaction, so no fees. Her mother made the same transaction on her new account on the same day for the same amount, using a MasterCard. Her transaction was also processed as a cash advance, but a quick call to customer service waived the fees. I called the PNC Bank credit card customer service and spoke to a manager. They declined to refund the fees because the " transaction was valid ''. It was processed as a cash advance because of some properties of the transaction that aren't visible to me but are handled by the merchant/VISA. A " Cash Advance '' is a distinct financial service that I did not request but that I unwittingly got, along with the fees and a hit to my FICO score. Also, it's strange that different financial institutions handle the transactions and customer service differently, despite the same information from the merchant.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
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: PNC Bank is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, PNC applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though PNC is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, XXXX, XXXX and XXXX kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration. It's like as if PNC does not care that they made a mistake and are not willing to work with me, even though they recognize that it is a mistake on their end.
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid off my car loan XX/XX/2020. In XXXX of 2020 I called to ask where my title was. They said it was an electronic title and I had to contact the DMV. I contacted the DMV and they said it was with PNC bank still. I called PNC bank again in XXXX and they said they sent me a payoff letter. I explained that I never received the letter and they needed to resend it. I received the letter later that month stating I was paid in full and the title woudl be released. I assumed I was all set until I went to sell my car yesterday and was unable to since the still held a lien on the title. Numerous calls and hours on hold with PNC has still not resolved this issue. I need them to release this title asap and they are unwilling to do that. As of today I can not get any firm commitment that I will ever get my Title.
Company Response:
State: NC
Zip: 28655
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Brought a car XX/XX/2019. When to check my credit yesterday and I have all these inquiries from when I brought my vehicle
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is a follow up from the first complaint that I filed in 2020. The bank did have a representative contact me to resolve the issue but she did not resolve the issue in a satisfactory manner. I have many reasons to believe that the representative did not take XXXX XXXX XXXXperson seriously. It seemed that every banker she referred me to ( except for one ) had been negatively influenced prior to speaking with me and they were always suspicious. While I was told that they would straighten everything out that did not happen. Also the representative stated there would be a credit accessed to the account even though I asserted that I was willing to pay the charges totaling {$58.00}. The credit was never assessed to the account and it was held against me. I worked in good faith to get the matter settled and worked with the bank to achieve a fair resolution with an amicable repore but there was no effort on the part of a number of bank employees to make that happen. In fact certain bank employees did not return my calls about errors that had been made and were allowing certain errors to continue and refuse intentionally not to communicate over a period of time with me directly until the responsibility got confused and then took adverse action on the account. This mishandling has created a hardship for XXXX XXXX operation. I don't believe PNC was acting in good faith. Furthermore they never properly processed the change over to my merchant account. Even though I made numerous telephone calls and filled out paper work to clear up the problem PNC never processed the changes. These actions not only occurred with my bank account but also my merchant services account and ultimately caused a loss of income to XXXX XXXX and this was a major negative impact during the pandemic. I do have specific dates and times that I can refer to regarding this matter.
Company Response:
State: MI
Zip: 48503
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX my account was closed by Pnc they froze all my funds I called them to see what was going on they told me it was up to the bank to end the relationship so I went to the branch where I opened the account I spoke to the banker that opened my account he spoke to one of the departments and he was told It was an issue verifying my information he explained it was a typo on his end asked if he could fix the issue and have my account remain open or release my funds to me they also told him no so on XX/XX/XXXX I spoke with XXXX XXXX from retails she acted as if she could help me or better assist me but then she turns around and says sorry its nothing more she can do my account is closed I have to wait 7-10 business days for a cashier check then on XX/XX/XXXX I spoke with some from the retail department because I had a XXXX sent to that It was for XXXX $ and it says pending so I called and they were like your account isnt closed its on hold and Im like last week I was told it was closed and he reassured me it wasnt so at this point Im seeking a lawyer because my account was closed because of error made by the bank also my funds was taking away from me during a pandemic and Im a mother of three and I have bills to pay also I was told my funds couldnt be released to me because it was closed then to find out its not is wrong because when I was at the branch they could have given me a cashier check then
Company Response:
State: WI
Zip: 53204
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A LOAN WAS OPENED FROM PNC BANK ON XXXX OF 2019 FOR {$26000.00} WITHOUT MY AUTHORIZATION. NO RESPONSE FROM COMPANY.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A