Date Received: 2021-01-24
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I was planning on closing my PNC bank account as I had no need for it anymore. I held the amount needed to maintain the account without fees. I transferred the fees from the account with the intention of secure messaging them once the transfer processed. The transfer took extra time to appear in the account I chose ( likely due to the XXXX holiday weekend ), but I was assessed a monthly fee ( around 25 dollars ) on my PNC account within 7 days of removing the funds from my account. I reached out to them via secure message asking to close my account, and informing them of the situation. They refused to refund the fee multiple times, and I am now being forced to call them and likely go through the same responses to a customer service representative. I can not close the account until I resolve this fee. Had there been any direction on their website regarding how to close the account ( there is not ), I would have followed it.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/2015. I just looked through my records and do not recall even having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.
Company Response:
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 I noticed that my account with Pnc had a XXXX balance the day before XX/XX/2021 I had XXXX $ in my account I later found out they closed my account and froze my money say it was an issues with verifying my information I had the account for a month now me nor the banker that opened my account received any notice prior saying it was something wrong with my account I went to the branch I opened the account and the banker spoke with the department it turns out it was a typo in my social he asked if he could fix the error and keep my account open they stated no so he asked if my funds could be released they also stated no I had to wait on a cashiers check which is a big inconvenience seeing nothing was fraudulent on my account and it was a bank error not mines so they punished me for it and closed my account leaving me with no access to my money and I have bills and a family to take care I asked to speak to a supervisor they said I couldnt and it wasnt nothing more that that could do for me that Pnc bank has the right to discontinue business with me even though Im not at fault now Im suffering with no money at all Ive called all the departments still no help or my money back
Company Response:
State: WI
Zip: 53204
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: During the CORONA VIRUS pandemic THE BANK PNC withheld my fund fraudulently without any reason and authority. BOTH my saving and checking account was withheld as I could not withdraw money from both my checking account or saving account
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our Mortgage is currently with PNC Bank. The escrow analysis was done incorrectly. They estimated our city tax to be the exact same as our county tax. County Tax is approximately {$1600.00} more than city tax. I have called to have them do another analysis and sent them the current city tax bill. They conducted another analysis with no change. They also paid the correct, lower amount, city tax bill out of the escrow account. We have contacted them several times trying to get this fixed. They always reply it will only take a day or two to complete then it will be fixed. We have been trying to correct this XX/XX/2020. This is impacts our monthly payment making it higher.
Company Response:
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My father died seven months ago, and as his only heir I became the successor in interest to his home. The home had a mortgage of less than {$30000.00} at the time, and I immediately notified PNC Bank, the lien holder, and sought to be declared the successor in interest so I could pay off the mortgage and sell the home. After his death, the Title Company executed an Affidavit of Heirship, and I provided a successor in interest form to PNC Bank on at least three occasions. The home sold more than 20 days ago, and the proceeds are being held by the Title Company pending distribution on receiving a payoff amount. I have since contacted every single division of PNC, the Senior Counsel, and a random loan officer I found through a mutual acquaintance. Each has responded similarly to this statement : This inquiry will be forwarded to the appropriate parties at PNC. I am not the correct party to receive this request, and have no knowledge of the underlying legal concern XXXX XXXX XXXX Senior Counsel PNC Bank , National Association XXXX XXXX XXXX, XXXX XXXX Locator : XXXX XXXX XXXX, IL XXXX XXXX Phone XXXX XXXX
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I will like to report the unethical practices of PNC Bank and how they deliberately re-arranged and backdated my transactions in order to charge fees to my account. My account was charged and debited multiple times and I called my branch and Customer Service over 7 times to complain. They escalated to the Executive Escalation Department and I even wrote twice to Ms. XXXX XXXX and left 5 messages. She eventually spoke with me and was totally unhelpful, claiming that the bank was right in charging me. Her attitude was that there was nothing I could do since it's just me against a big company! She arrogantly told me to go ahead and escalate to the authorities. I had funds in my account as at XXXX XXXX, XXXX and I did 3 transactions with a positive balance of {$3.00} at the end of the day. On XX/XX/XXXX, 2 payments hit my account and before I could deposit more funds into it, PNC charged me overdraft fees 5 times for the 3 transactions I did the day before plus the 2 new ones! That is $ XXXX {$180.00}. This is so very fraudulent and unethical! I had a positive balance as at end of day on XX/XX/XXXX. I have attached relevant receipts and account activity reports. Also, on XX/XX/XXXX at XXXX, I got an alert from PNC Bank that my account was overdrawn by {$54.00} due to a payment. I deposited {$200.00} CASH through a PNC ATM at XXXX on the same day. PNC deliberately kept my cash deposit pending from XX/XX/XXXX to XX/XX/XXXX and proceeded to charge me {$36.00} as overdraft fees! I called Customer Service again and they said they couldn't do anything about it! It is so totally unfair for the bank to defraud its customers this way. There was no reason to pend my cash deposit for TWO DAYS, especially since I used a PNC ATM. Even their overdraft alert notice states clearly that you can make a cash deposit through their ATM to avoid any fees. PNC Bank can program their system to debit customers in a chronological order. Transactions should be posted as they occur instead of re-arranging transactions to ensure that customers accounts can be charged unnecessarily for overdraft fees. PNC sends account balance transaction alerts after every transaction, so how come they send one balance to customers and claim that there is a different balance in their system? This is just an excuse for their malpractices. The same system can not be showing multiple balances unless it is deliberately rigged to ensure that unsuspecting customers are charged fees fraudulently! I am requesting that my complaint should be investigated and the bank should REFUND all the fraudulent fees they charged to my account. The bank officials feel that they are too big to be reported or to get consequences for their unethical behavior. Please intervene. Thank you.
Company Response:
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: In XX/XX/XXXX, I opened an account with PNC to have as a savings account. In XX/XX/XXXX I logged into the account I discovered the bank had been debiting my account {$25.00} a month, totaling {$420.00} taken from my account. Speaking with a resolution XXXX, XXXX XXXX the bank does not dispute that I had not logged into my account from XX/XX/XXXX until XX/XX/XXXX. They do not dispute that no services were offered on my account ( I never called in, did activity, etc ) but they denied my request for a refund of these fees. The mistake of putting {$430.00} less in my account to open it, should not be a penalty of {$420.00}. The PNC virtual wallet terms state that " six consecutive months '' of inactivity causes the account to be considered inactive. Yet, they charged the fees even after six months. Although I did try to work this out with PNC, they have offered no refund of the $ XXXX monthly {$25.00} fees, as relayed by XXXX XXXX on XX/XX/XXXX.
Company Response:
State: CA
Zip: 93619
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am a victim of unauthorized ACH debits to my checking account. My account is with PNC, XXXX, MD. The fraudster 's credit card is issued and connected to my account by XXXX XXXX XXXX, XXXX XXXX, SD. Our names are not related. An amount of {$5600.00} fraudulently drained between XX/XX/XXXX and XX/XX/XXXX in 37 transactions. When the first time my account was debited, PNC did not seek my approval. XXXX XXXX XXXX also failed to authenticate if their credit card holder is authorized to connect to my PNC account. PNC tells me that with my bank account number can attempt an ACH transfer to pay a credit card. This to me is a serious loophole. When I set up bank transfers between my bank accounts, I must verify small transactions before the regular transfer can be set up. There is no way to stop debits from my account by ACH I am told. PNC refunded only in part with their declared 60-day liability. I am unable to contact the XXXX XXXX XXXX because I am not their customer and when I call, I can not proceed. My interest is more than the recovery of my money. PNC says there is no way to stop this type of fraud until I detect and complain. Surely, fraud detection can improve from the Bank 's side. Criminals who commit financial fraud must also be punished. I seek your help for my personal cause and the social benefit to prevent fraud.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: To whom it may concern : My family and I are in the process of attempting to purchase our first home. We were supposed to close at the end of XXXX but due to issues on the sellers side, the closing was postponed until the end of XXXX. My lender did inform us that due to the delay, paper work would have to be updated and a closing could not take place until the issues with the sellers were resolved. On XX/XX/XXXX th I was called by my lender and was told that after a credit refresh was run on my husband a 30 day late appeared on his credit report for a PNC credit card. This came as a total shock to us, what made matters worse was that the late resulted in a credit score drop of over 100 points on each credit bureau, this drop in score has basically eliminated us from getting our mortgage and essentially leaving us homeless. The reason I am writing to you is twofold. The first reason is the way the credit billing was handled by PNC. The due date for the card was XX/XX/2020 the day before XXXX, at that point my family and I were getting ready to leave our apartment, due to Covid 19, my husband was working extra shifts and I was packing up the house, but we never received a paper bill from PNC. I am not set up for paper free billing so we rely on the paper bill. In addition, our history with the card was excellent no late payments ever. Because of this mistake, our mortgage approval is in great jeopardy. The second reason for this letter is the unreasonable nature of the credit score drop. As they say let the sentence fit the crime. Even if they say the late payment is ruled legitimate which I do not believe it is why would my husbands credit be impacted so much for 1x 30 day late on a credit card. According to my lender, my husbands middle score dropped 130 points this is unfair and has been devastating to my family. We have been hit hard by the pandemic I was laid off and have been caring for a XXXX child, the loan was under the name of my husband and my Mom, we need help to resolve these issues as quickly as possible. We need a home.
Company Response:
State: NJ
Zip: 07424
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A