Date Received: 2021-01-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX.2020 I clicked on a web link, said XXXX help. I called the phone number and the man portrayed to be with XXXX. Iwas trying to collect money on account and fix a email problem. He fraudulently talked me into downloading several apps like any desk and team viewer. He said he was helping fix the situation. He had control over my lap top and phone and and took out of my checking account using my debit card 4 transactions from PNC BANK. The amounts are XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Then he hung up the phone and i knew something was wrong. I called pnc phone number XXXX XXXX. I told them about what happened the man at pnc said the money was pending and it should be okay because the had not left the bank yet and should be back on my account monday. I told them not to let the money go because it was fraud. Pnc never gave my money the next day i called and they said the man I talked to saturday should not of said that. They said i had to file a dispute once the money has left and posted.I call back and dispute it after it posted and talked to a supervisor and said i want my money back and she said they have fraud protection and she was going expedite the situation and the money should be in my account in the morning or afternoon well that never happened and i was told again by a supervisor this time that she should not of told me that. They declined my dispute because i have used bitcoin app before i said this was fraud nothing to do with what i have used bitcoin before. They opened up the case again and declined another dispute. I feel this is very unfair i have banked there for years.
Company Response:
State: IL
Zip: 625XX
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have had my account frozen twice in the last few months for funds being taken from my account that i did not approve. I just had {$800.00} taken out of my account from a XXXX Credit card that I do not have nor did I send a payment to. Now I don't have the money to pay my mortgage that is due today and they will not call me back to fix the issue and free up that money. There security is XXXX and I'm tired of struggling because they don't fix the issue timely nor do they have protections in place to prevent this from happening in the first place.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have given all supported documents pertaining my account that nothing was fraud on the account had the other party open and bank account and the company still will not release the funds it has been a lot of discrimination going on once I called the bank with other party account information the bank closed is account well a one individual requested it be close they have been giving me a hard time and I also filed a discrimination claim
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After my checking account was closed, on XX/XX/20 XXXX sent a refund of {$19.00} to the closed account. I called 3 times asking how my funds can be accessed since the account is closed. PNC confirmed that they received the refund and temporarily reopened my account to do so. I was informed that I would receive a check by mail but no one knows when. There is a department that issues the checks that I can not speak to directly apparently. I would like my refund check as soon as possible. It has been over 10 weeks since the deposit was made and PNC has not allowed me access to my funds.
Company Response:
State: NY
Zip: 12144
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: MyMortgage company is not releasing my insurance check and I can not fix my home. My home is unlivable. This is an unacceptable situation.
Company Response:
State: IL
Zip: 60139
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened an account with PNC on XX/XX/XXXX using a promotional code. I deposited a direct deposit for the amount they requested and I was sent an email confirming the direct deposit, which can be provided. Now they are claiming that the deposit was not a direct deposit and refuse to pay the promotion.
Company Response:
State: CA
Zip: 90631
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have had several conversations with PNC regarding how to set up overdraft protection of my accounts. On XX/XX/20, I spoke to XXXX who indicated that my mortgage account did not have any overdraft protection, directly contradicting my previous conversation with a PNC representative ( approximately XX/XX/20 ) in which I was told the mortgage account had overdraft protection added. Each time I speak to a PNC representative regarding this account, I receive different information about which how the accounts are set up. PNC has failed to follow my instructions multiple times. I asked XXXX to listen to previous recordings on this matter, and she claimed there was no way for her to look up this information. This poor communication has resulted in an economic loss as my mortgage company has charged me a {$50.00} NSF fee, and they require a statement for PNC to reverse this charge. PNC is refusing to give this statement, and they are avoiding investigating this matter fully by listening to previous recordings with CSRs which would corroborate my account.
Company Response:
State: VA
Zip: 22310
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a dispute on Saturday XX/XX/21 when around XXXX XXXX I deposited several checks, and the ATM ate them without giving me credit and printing a blank receipt. It took EVERYTHING and said it was a system error. I came into the branch immediately the following morning, and the acting branch manager was clueless about the process. When He had to call into customer service and seem like he didnt know what to do. He filed a dispute but didnt really have any type of information that was of any value. I got three different timelines, one from the branch manager, another from the head teller who I was referred to and another from the phone agent, none of which matched any of PNCs disclosures I read. I asked the acting branch manager to contact the ATM company and he said that they dont do that. So there I was 30 feet from the ATM sitting in a branch and not able to get my checks that were in there. The branch did not immediately file a work order with the ATM servicer and my dispute dragged on for weeks. When I contacted the ATM company and they said that the work order was supposed to be filed to service the ATM in the event of dispute, and that they had nothing on file. I also contacted customer service by phone to file them online and phone dispute because of the performance in the branch. I had very little confidence that anything would be fixed timely. Its horrible going into a holiday with something like this happening to your money. The deposit included my unemployment checks and reimbursement for insurance premiums I was paying as well as other project income I had earned over the last few months while on furlough. I was so distraught. After many calls and emails I received provisional credit after I called to remind the agent that I had been waiting 10 days for my checks. I was expecting my checks to be located from the atm and deposited the retuned to me which I requested. I just happened to check my account last night on XX/XX/XXXX, and noticed that {$1200.00} had been charged back to my account from the provisional credit with NO explanation. No communication was provided to me pertaining the results of the investigation. I was expecting the deposit amount to increase NOT decrease because the were more checks deposited than I had the stubs for at the time of the deposit. I wish to dispute the provisional credit, with subsequent withdrawal without explanation. I would like a full explanation as to what happened to my checks and the results of the investigation which is dragged on for so many weeks. I would like all of my money returned and credited immediately. Upon resolution I wish to close all business and personal accounts currently on file with PNC.
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have contacted PNC regarding pre-payment for warranties for both my homes for three years. PNC requested that I provide them in writing proof that I have been defrauded which I provided. The information provided to PNC are receipts for payments I made out of pocket for services that are supposed to be covered by my warranties. Proof from the XXXX XXXX XXXX that the warranty company XXXX XXXX XXXX has defrauded their customers and are not covering services as they are contracted and having customers pay out of pocket and never reimbursing them as stated. I provided proof that XXXX XXXX XXXX has not reimbursed me for me paying in total for services that were supposed to be covered by my warranty. I provided PNC the correspondence with XXXX XXXX XXXX showing that they still have not refunded me the money in the timeframe they have provided and they are being investigated for defrauding their customers. However, PNC still has not reversed payments that were made both in advance and that were supposed to be in affect and XXXX XXXX XXXX has not honored. XXXX XXXX XXXX is also being investigated by the Attorney General 's office for defrauding its customers. I have attached just a few of the payments that I have paid out of pocket and never been reimbursed.
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: PNC bank took 5 months close my loan for refinancing my primary mortgage and the closing was delayed due to PNC 's fault. During the process, they pulled my credit report ( hard enquiry ) for the second time WITHOUT my authorization, they charged me twice for the appraisal and credit report fees despite the delay being their fault and they updated lender info in my home insurance even before underwriting was complete. I was frustrated, stressed and XXXX during this time as I tried to communicate with folks from PNC to fix these issues and nothing happened. When there was absolutely no response to my communication beyond the initial closing date for 2 months, I started applying for refinancing with another bank and on a random day, I get notified that PNC updated the lender information in my home insurance, PNC pulled my credit report and started asking for the new documents again. I realized PNC was trying to prevent me from refinancing with other banks by damaging my credit history, charging me twice for the fees making it harder for me to let go and refinance elsewhere. Here is the detailed timeline - I started the home mortgage refinancing application at PNC bank on XX/XX/2020. The loan officer called me and shared the interest rates for my home details and persuaded me to apply. I have submitted all the documents and it was sent for underwriting by XX/XX/2020. I paid the fees for credit report and appraisal on XX/XX/2020. The closing date was supposed to be XXXX XX/XX/2020. The loan processor was asking hand signed XXXX mailed to them which I had sent on XXXX XX/XX/2020. There was no communication since then. I emailed them on XXXX XX/XX/2020 to check on the updates also requested to see if they can update the rates as it was lower at that time. No response from the loan processor. I emailed them again on XXXX XX/XX/2020 and still no response from any one - loan processor, the loan officer and assistant. And on XX/XX/2020, I received an email from loan officer office to submit more documents like statements and residence history although I have provided already. I responded with the documents and again no communication since then. I kept following up on XX/XX/2020, still no response. On XX/XX/2020, I receive notice from my home insurance company and my then mortgage lender XXXX XXXX that the home insurance lender details have been updated to PNC and since the XXXX XXXX loan was still open, they insisted me to change it back. I was shocked to see PNC bank updating the lender information in my home insurance without closing the loan or even communicating with me about the loan application. So I updated my home insurance back to reflect XXXX XXXX on XX/XX/2020. Since there was no activity in my loan application and no response from PNC, I tried to refinance with other banks and also filed a chargeback with my credit card company for the PNC apprasial charge. On XX/XX/2020, I received an email from PNC asking for latest paystubs, statements etc., again and PNC pulled my credit report ( hard check ) WITHOUT my authorization. I responded to them asking why are they restarting the process all over again and the loan officer calls me in a day apologizing saying there was some issues with the processing/underwriting and they have to do it again. When I asked about the credit check he said it was a routine soft check and it wont affect the credit report. I was frustrated and stressed about this whole refinancing and submitted the documents again and they promised to close the loan soon. When I saw the closing disclosure I was shocked to see I am charged twice for the appraisal fees and the credit report fees as the closing was delayed and application was open for a long time due to PNC 's fault. I kept reaching out to them again and again and they were saying they will fix it but they never fixed it. The loan officer insisted me to sign with notary and close the loan while he checks on these charges. Even after signing and closing the loan, the loan officer just said the fees were adjusted in the closing costs but the credit was only the excess amount from the old loan payoff. This is the worst experience I have ever had with mortgage financing and I feel scammed by this bank with their shady practices!
Company Response:
State: CA
Zip: 95118
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A