Date Received: 2020-10-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: S everal times in the past 3 months, I've been charged overdraft fees by PNC bank, even though as of midnight the night before, there have been no pending charges or posted charges on the account which put the account into a negative balance. THEN, the next day ( generally when I wake up and check my account - XXXX or XXXX ), I'll see a transaction show as posted to the day before, in some cases multiple transactions, and overdraft fees of {$36.00} for each transaction. PNC 's response is that the transactions show as posted the day before. In this most recent case, today is XX/XX/XXXX. As of midnight last night, or just before, XXXX, my account had a balance of {$.00} cents. I woke up today to see a balance of {$460.00}. Overnight, my unemployment funds from the state of NY were deposited into my account, {$500.00}, BUT a {$7.00} charge ( again which did NOT show up in any way shape or form in the account on XX/XX/XXXX ) shows up as " posted '' on XX/XX/XXXX, and an overdraft fee of {$36.00} was assessed. The math here is {$500.00} - {$7.00}, resulting in {$490.00}, minus the overdraft fee of {$36.00}, leaving {$460.00}. I've discussed this with two different CS associates at the bank, and had the issue escalated, only to be told they are not allowed to issue a " courtesy refund '' of the fee. I don't see how this is even a courtesy, I can't ensure funds are in my account to cover charges which are not there. As far as I know, I have {$500.00} coming into the account the next morning ( today ) and a balance of XXXX cents at XXXX the day before, how am I not covered for a {$7.00} charge coming in? This {$7.00} was an outstandig ACH transaction, which could obviously be debited at any time, but it wasn't debited on the XXXX, so it's unfair I be charged a fee just because a charge appears the next day with a retroactive posting date.
Company Response:
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: HI, i HAVE A ACCOUNT WITH pnc bank. It started with a transaction of with XXXX XXXX.I was trying to get a loan in which for months it went nowhere.I had paid them XXXX to get my loan then in turn stated it would continue to send them money.XXXX then XXXX I ended up going through another place due to them requesting money. I paid that company XXXX the XXXX and got a new place.I disputed this with pnc back in like XXXX or XXXX and now in XXXX, My account went negative. Not only did they make it so that I got several XXXXlike 5 or 6 of them to make my account negative for that fraud XXXX that I disputed and did not hear back from them for months. I disputed it again and the lady filed something on it. That company that plans gave my money to did not perform a job for me and I requested my money back hired a realtor who got me in a home without a loan and I paid it off. Now when pnc made my bank negative I had already got my social security check paid all my bills and that was several days before they posted this XXXX negative then gave me XXXX fees like 5 or 6 times made all my bills negative for this fraud XXXX that was disputed and I never dealt with that company after instead hired a realtor who got me in a home and now pnc made my account negative multiple times to get XXXX times 5 or 6 plus that XXXXI want the negative removed.I did not hear back from pnc to this account until XXXX when it was disputed months ago due to fraud.I want my money that was already in the account that was taken and the account fixed.I do not owe that company any money and I will not pay for a fraud item.
Company Response:
State: PA
Zip: 17545
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I never received the documents to get my fair share of a resolution to the charges on my account. XXXX and {$49.00} to virtual downloads that did not work from XXXX XXXX. I was denied by PNC bank the never mailed me out any forms to fill out during the second time.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Very nasty and rude representative I called them to tell them I lost my card customer service told me not to worry and their were charges I didnt recognize they said they shut it down and will send me a new one then a nasty department claims to be Pnc they didnt even know I already spoke to someone about it and said to me they want to go over suspicious activity on my account they claimed to be account takeover then it gets disconnected I call back and they tell me I cant use any of my accounts and their is a review this is ridiculous and rude I feel dosdinisted against what did I do wrong I called them to report it and then they do this to me how can they this is not fair I am very upset
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I dont have problems with my accounts
Company Response:
State: IL
Zip: 60106
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: during covid 19 I was not granted any relief by my bank where my mom co signed for a credit card and personal loan my credit score in XXXX of 2019 was XXXX because of not being able to make loan payments or cc card payments and not being granted deferrals on anything I applied for pandemic relief and was told I never did my credit score is XXXX PNC has a collection agency all over me and I wanted to pay off personal loan my mother is on with me she had an XXXX credit score HAD I HAD A BAD check someone gave me so my personal bank account got overdrawn so now they want $ $ $ $ for that also There debt collector calls me and I told him I will pay off the personal loan my moms on as far as my own personal account they can kiss my but because I deposited the check and waited 4 days before I withdrew the money well as a courtesy they gave me the money b4 the check cleared thus for screwing me he told me he was calling to collect loan payments so I paid him all I owed on loan Turns out it was not for the loan I've swore to my mom it was paid off the man told me it was well I found out it isn't paid off and I'm passed it went to my personal bank account exactly were I told them I wasn't going to settle yet CAN A DEBT COLLECTOR JUST FLAT OUT LIE TO YOU
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Dispute Statement : Case # XXXX ( XXXX XXXX ) Case # XXXX ( XXXX Report ) Since I refinance my Auto loan to PNC, I NEVER missed payment, with the only exception of my NINE days lateness on XX/XX/XXXX ( which is because my payday moved from XXXX to XXXX ). I always pay on XXXX or latest on last day XXXX of each month. In my end the past six-months payment history goes like this : th 1. XX/XX/XXXX, $ XXXX th 2. XX/XX/XXXX, $ XXXX th 3. XXXX, $ XXXX th 4. XX/XX/XXXX, $ XXXX th 5. XX/XX/XXXX, {$320.00} * th 6. XX/XX/XXXX, $ XXXX * Payment made at PNC bank cashier. ** Payment made by bank transfer. The two payments I made on bank cashiers erroneously goes to the principal payment rather than the monthly payment and incur me additional {$30.00} fee. First, they keep saying you didnt pay your XX/XX/2020 monthly payment which I did, and I proofed them by showing the difference between the begging and ending balance of my loan. They promised me they will reevaluate and will do adjustments including the {$30.00} fee, rather they report it to consumer. The same scenario happened for XX/XX/2020. Before that I used to have a debit account with them and they automatically tool money from that account until XXXX or XX/XX/2020. Usually I drop money on that account through ATM before my last day of payment. But on XX/XX/2020, due to Covid-19 I couldnt find a working ATM and I made payment at the cashier for the first time. I try explained this situation to the guy called me for late payment he understands and accept it & he told me he will made adjustment ( i.e. to apply the payment I made to principal to monthly payment ) and waived me {$30.00} NSF. I told him I want to keep payment this way sometimes, he told me it is okay but noted me to tell the cashiers I am making the monthly payment & I did that all the time when I made payment at the bank cashiers. After I proof them I didn't miss any payment over the phone the promised to make adjustment but I ask the took fix the their credit bureau report. But they recommend me to to dispute through the credit report agencies I heard the deliquesce report. ( I spoke with PNC credit department representative XXXX XXXX )
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened my PNC business checking account on XX/XX/20, at the advice of a local PNC branch manager because the bank did not like large deposits going into a personal checking account. Additionally, when opening the account I enrolled under a new account bonus opportunity of {$200.00}. All that was needed to obtain the new account bonus was a deposit of {$5000.00} ( made on XX/XX/20 ) and twenty debit card transactions ( made between XX/XX/20, and XX/XX/20 ). The only other activity on the account deposits of {$7900.00} on XX/XX/20, {$21.00} on XX/XX/20, {$5900.00} on XX/XX/20, {$14.00} on XX/XX/20, and bill pay of {$5900.00} on XX/XX/20, and {$6000.00} on XX/XX/20. I received an odd, unforeseen call on XX/XX/20, from a PNC banker ( XXXX? ) inquiring about my business. It was clear from their tone of voice that the banker was suspicious of my account for an unknown reason. The banker asked a few questions about my business and the call ended without any advice or concern noted. The source of funds for deposit are not a mystery and I described this to the banker who called. My business is retail arbitrage -- I buy discounted items and then sell them at a profit. Had the banker asked, I may have been willing to provide a spreadsheet of my purchases and sales, but the banker wasn't interested in facts. I received a notice in the mail dated XX/XX/20, that my account would be closed on XX/XX/20. No information was given or provided on this notice for the reason for closure. I called PNC bank XX/XX/20, to inquire as to the reason for the abrupt account closure with no reason given. I spoke with XXXX in " Bank Operations, '' who when asked for clarifying information on the closure stated, " PNC has decided to close the account on XX/XX/20. '' When I again inquired as to the reason why, I was told " PNC has the right to close the account based on the terms and conditions of the account, just like you have the option to close the account at will. '' Again, I asked for the reason for the closure and was not given a reason why. I then asked if there was an appeal process -- Many replied " No. '' I then asked if I could open up another account with PNC in the future as PNC meets my banking needs and XXXX replied, " We would never deny the application ... '' PNC bank is clearly biased against me as I filed a CFPB complaint against them earlier this year for not paying out the bonus for the personal checking account I had opened ( that dispute was resolved in my favor and the bank paid the new account bonus ). They also appear to be concerned about the source of funds for my account -- I told them but they didn't like the answer. Lastly, the timing of the account closure is suspicious as the new account bonus has yet to be posted. The account will likely will be closed before it does post as the new bonus may take up to 90 days ( XX/XX/20 ) once the conditions for the new account opening bonus are met.
Company Response:
State: KY
Zip: 41017
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The mortgage was under going litigation with the permission for a payment plan from PNC. They marked each of the payments under the payment plan they offered late. Upon seeing the shady business practice the mortgage was paid off in full and they refuse to correct the mistake they made by marking as late.
Company Response:
State: MI
Zip: 48067
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: RE : PNC BANK , NATIONAL ASSOCIATION, ( " PNC '' ), Mortgage Foreclosure Enclosed herewith are key stated and affirmed ultimate facts from my Appellant 's Brief for the foreclosure proceedings by PNC for which i make this complaint, ( " Complaint '' ), for your investigation of certain improprieties by PNC that have violated and impinged my private property rights as PNC is a holder-in-due-course of a mortgage on my private property located in XXXX XXXX, PA as Lot No. 19, ( " Lot No. 19 '' ), for which i have vigilantly and diligently sought with no success as follows : 1. The assignment of mortgage documents from the original mortgagee XXXX XXXX to XXXX XXXXk to National City Mortgage to PNC ; and 2. Payment records for the Years XXXX through XXXX that were not provided in order for proving that two principal of {$25000.00} and {$20000.00} were tendered by me during such time frame as the Federal Government searched and seized my records for these payments and/or the records were destroyed when the SFR improved on Lot No. 19 was a total casualty loss by fire in XXXX. PNC must provide me the satisfaction piece as the mortgage debt is paid-in full. Your assistance in this matter is greatly appreciated.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A