Date Received: 2023-10-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: In XXXX of XXXX, i had a major home repair that was unexpected. My well on the property was found to have run dry, and resulted in me having to find a way to pay XXXX XXXX dollars to provide myself and my family the most essential resource to survive. Since then, i have been trying my hardest to dig out of that debt, all while dealing With the hardships that affect many americans resulting from XXXX. Since that point, i have worked hard, long hours at my current job in XXXX. I have furthered myself in my job, and lost countless hours with my family as many people have just trying to make ends meet. PNC has not helped in any sort of way to help me get back on track. Charging me {$140.00} in overdraft fees in XXXX, and a whopping {$720.00} in XXXX. I was not the most finacially literate person, and on numerous times overdrafted the account just to be able to survive. On XX/XX/XXXX, PNC offered to reimburse a measely {$140.00} out of the {$860.00} i have paid them in overdraft fees. I don't believe this helps anybody dig out of a hole. I am attempting to get together an itemized list of the overdrafts, and will send you them at your request. Thank you for your time in this matter, and i hope to get back on track.
Company Response:
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I opened a " virtual checking account '' with PNC Bank because I figured like every other financial institution these days, brick and mortar or otherwise their virtual account would come with a virtual card. I deposited my paycheck {$750.00} with PNC Bank and the date it gave me it would be posted would be the XXXX. When I realized they PNC Bank no virtual card on their " virtual account '' I messaged PNC Bank to bring up to them that every aspect down to the name of the account type was incredibly misleading. I had been directed to them from a paid blog claiming they had a deposit bonus ( disappeared after opening account ). I go to check my balance on PNC 's site the XXXX and there is only {$.00} cents in my account. I had made no other transactions with the exception of my deposit. I messaged a second time inquiring about where all the funds had gone and why my account has a balance, but not a correct one. PNC customer service claimed that my deposit was on hold to make sure the funds were going to clear .... With the XXXX XXXX XXXX check I deposited. I confirmed with her that really was their claim and she being told again it was too make sure it cleared I asked why there was XXXX XXXX in my account. She didn't have a response. The midst information I was able to drag out of PNC was when I asked if that XXXX was from the deposit I was told yes. I asked how that was possible if they had to wait for it to clear and inquired about why she was being dishonest with me. She ended the chat on me. Not only was PNC incredibly rude and smug in dealing with me, blatantly misleading and lied to me directly that's not even the most surprising thing. That would be the fact it's now it is the XXXX without the rest of my paycheck becoming available or out any answers to my incredibly valid questions. I hope my experience can save someone else the terrible and frustration of dealing with these scam artists dressed up like a financial institution, because now I have extra charges on my rent and other bills for being late on them and the amount for that keeps going up the longer they have my money I worked for in imagination land. I would love to be reimbursed for the late fees I'm
Company Response:
State: OR
Zip: 97304
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I closed up a PNC Credit Card account on XX/XX/XXXX and paid in full. But PNC bank kept on Charging a monthly fees of {$100.00} from XXXX XX/XX/XXXX till XX/XX/. I realized it in XXXX. I called and complained. PNC told me that they send out a check to my old address, but I didn't receive the check. I visited the PNC location and updated my address but nothing happened. I receive a call from XXXX : phone # XXXX and XXXX XXXX and spoke to XXXX, She gave me a case # XXXX. and she said someone will call you back.. It kept me dragging along and taking me in a circle.. Every time I visit the PNC Location and I call them.. and no one does anything ... PNC Bank dragged me on for 2 years...
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing to express my deep dissatisfaction and frustration with the recent handling of my account by PNC Bank. I have encountered significant inconvenience and financial hardship due to the prolonged investigation and subsequent hold placed on my account. I deposited a check into my account that I had received as payment for a XXXX job. Unfortunately, it was later discovered that the bank account connected to the check had been closed. While I understand the need for security measures, I am extremely disappointed by the excessive length of the investigation, which has now reached 30 days. To make matters worse, not only is my account under investigation, but a hold has also been placed on two other checks that I deposited. As a result, I am currently unable to access the funds from these checks, leaving me in a difficult financial situation. I am unable to pay my rent, and my landlord is putting immense pressure on me to resolve this matter promptly. Moreover, I was deeply displeased with the attitude and unprofessional behavior of the customer service representative I spoke with during my last call. She displayed a sassy and patronizing tone, and instead of providing assistance or guidance, she unjustly blamed me for the false check incident. This kind of treatment is unacceptable and does not align with the level of service I expect from a reputable institution like PNC Bank. I kindly request that immediate action be taken to resolve this issue. I understand the need for proper verification and security measures, but the length of the investigation and the subsequent hold on my account are excessive and causing significant hardship for me. I urge you to release the funds from the other checks that I have deposited, as they are unrelated to the initial incident involving the false check. Furthermore, I would appreciate a thorough review of the conduct of the customer service representative I spoke with. It is essential that all bank employees maintain a professional and respectful demeanor when interacting with customers, regardless of the circumstances. I trust that PNC Bank will take my concerns seriously and address them promptly.I hope that this unfortunate incident can be resolved swiftly and that appropriate measures will be taken to prevent similar situations from occurring in the future. I kindly request a written response within 15 business days, outlining the actions taken to address my concerns and rectify the situation. I can be reached at the contact information provided above if further clarification or information is required. Thank you for your attention to this matter. XXXX XXXX
Company Response:
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: My name is XXXX XXXX ... .., I am the manager of DARK ... ... .... XXXX XXXX registered in the XXXX of Pennsylvania XXXX In late XX/XX/2023, I initiated the opening of a checking account for the above XXXX at the PNC Bank branch located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I contacted XXXX XXXX XXXX XXXX XXXX ( Phone # XXXX ), providing all the necessary documents and finally get account No. ... ... ... XXXX, opened on XX/XX/2023. A couple of days later, XXXX sent me an email inviting me to visit a PNC branch ASAP, just to personally notify me that the account was opened mistakenly and should be closed. I simply asked to indicate in writing the reason for the closure - what rules or regulations were violated and why this became obvious only now. She refused to provide me with written reasons for this action. I insisted on receiving a written response from PNC Bank as to why the XXXX XXXX could not have an account in this branch. A couple of days later I received a debit card with a notification that the account was frozen, but again without any explanation. My numerous contacts with various PNC Bank representatives were unable to clarify the reason for this situation, and all of them refused to provide me with any written explanation. Today I received a letter notifying me, without any explanation, that the account will be closed on XX/XX/XXXX. When I called the helpline, bank representative XXXX told me at around XXXXXXXX XXXX on XX/XX/2023 that the account would be closed due to my abusive behavior. My problem is that PNC Bank has never provided a written explanation for its actions, which I consider discriminatory and defamatory, so I can not take any action to protect my rights and my reputation. But all my telephone conversations with PNC Bank representatives were conducted over their recorded lines. I am asking the Consumer Financial Protection Bureau to help me get a written explanation of why we can not have an account with PNC Bank and what exactly abusive behavior I have demonstrated. Thanks for the help, and please let me know if you need more information. XXXX XXXX ... ..... XXXX XXXX
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: PNC Bank allowed a fraudulent withdrawn from my Heloc for approximately XXXXXXXX XXXX XXXX I alerted them that an unauthorized account had established a online link to the account. I spent XXXX XXXX hours on the phone XXXX PNC to let them know the account was not authorized, then a week later they allowed them to withdraw the money. Now PNC wants me to make payments on the XXXX XXXX loan! PNC needs to pause any and all required payments now and then redeposit the funds.
Company Response:
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: The HELOC in question was opened in XXXX of XXXX at the XXXX, PA XXXX of PNC. At that time, we took an initial $ XXXX draw at a fixed rate and was told we could pay off as much as we would like as we did not need the full amount immediately. I confirmed with representative and later the phone that we would keep our fixed rate. As we split our home project into several parts, we paid down the line by $ XXXX in XXXX and XX/XX/XXXX. When we started to draw additional funds, I noticed that the new balance was at a higher rate. I scheduled a meeting with XXXX but when I showed up my original rep had transferred me to another employee who told me my only option was to refinance the entire amount at 10 %. In looking at our budget, realized we would need to cancel the additional phases of our house renovation because I could not afford to pay a {$960.00} fixed payment and several XXXX dollars monthly in variable payments. Looking for help, I called PNC and was told I could call monthly and have a XXXX entry be completed to move my fixed payment and apply it all to the variable balance at the higher rate. I have called for the past 5 months and must explain the situation over and over as there are no notes on my account. It takes me close to an hour each month on the phone. I realize now that no adjustments have been made and my variable balance continues to grow as interest rates rise. My payments have XXXX {$350.00} a month and will continue to increase. Now I realize my original customer service representative did not understand fixed rate HELOCs and I should have contacted an outside source. What I am upset about is that PNC representatives over the past 5 months promised me they would make an adjustment, and nothing was ever done. I would prefer my entire loan balance be reset to the XXXX XXXX ( there was an initial error on this as well ) but I would be happy if my payments since XX/XX/XXXX be applied to my Variable rate balance ( currently {$36000.00} as of XX/XX/XXXX ). This will allow me to pay the original {$960.00} fixed payment and then a smaller variable payment each month. My wife and I have had a very good relationship with PNC and were going to switch all our banking to you from XXXX XXXX. Unfortunately, this situation has caused a tremendous amount of stress and worry in our household over the past 6 months, and we have not made any changes. Any assistance with the initial fixed to variable conversion or applying payments to the variable balance will make us view PNC quite differently than we do now.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: PNC advertised an offer where they would give a {$400.00} bonus for making a new account and having {$5000.00} of " qualifying direct deposits '' post to the account. Their terms stated : A qualifying Direct Deposit for this offer, is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency. I had over {$5000.00} of direct deposits post from XXXX XXXX but they denied the bonus. I consistently got 2-3 payments from XXXX XXXX XXXX every month. They clearly met the four conditions, as they : are recurring, are regular monthly income, are electronically deposited, and are from an outside agency. I escalated a case with them and they claimed it wasn't income, but I consistently make $ XXXX {$1000.00} per month in income from online gambling. I was looking for a new bank to start a relationship with, but they seem to be typical XXXX XXXX, always screwing the average XXXX. Please hold them accountable to do what they promised. Thank you.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Opened Virtual Wallet Checking account with PNC Bank on XX/XX/2019 and funded with a {$25.00} deposit from a checking account at another bank. PNC opened the account, processed the {$25.00} deposit. I received a letter dated XX/XX/2019 stating that my account was closed ( with no reason ) and that they will send me a check for the account balance. I called PNC and multiple reps stated that they couldn't provide the reason why account was closed and told me I would need to go to a bank branch even though there were no bank branches near XXXX. I did visit XXXX and stopped by a PNC branch ( XXXX XXXX XXXX ) on XX/XX/2019. The banker ( XXXX XXXX ) there called the back office to figure out what was happening but they were out on lunch so he promised to call me back. XXXX days later I received a call from him stating that he couldn't provide a reason why the account was locked and wouldn't be able to refund me the {$25.00} initial deposit. I tried calling customer service again and spoke with XXXX XXXX XXXX XXXX XXXX they advised me to file a dispute with my bank for the {$25.00} deposit. When I reached out to my bank, they told me that because it has been more than 30 days since PNC XXXX 'd {$25.00} from my account, they couldn't file a dispute.
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: This complain is against XXXX XXXX XXXX XXXX XXXX due to her covering up for PNC Banks misconduct for temporary blocking me from having access to my Bank Accounts. Despite the repeated contact attempts she has not responded to any of my return calls
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A