Date Received: 2020-09-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Good morning I am very disappointed with pnc and already closed my account by phone XXXX XXXX. I v called your bank in XXXX XXXX at XXXX LT in order to pay my credit card and took so long and I hung up the phone. I called again another number and I paid my card. Then I received a text message regarding fraud asking me to call the bank. Then Ive called your fraud department and I ve explained the situation and after several questions in order to check my self, they hold my account.All my answers met the questions include the code by phone. I understand that it is for my security but even I answered all questions your fraud department hold my account and asked me to go to in person to the bank. I am overseas, how come. I am here for 5 months and I v paid my bill BEFORE with no problems. S facing this situation I asked to closed my account and he closed it. How come your bank closed my account if the PNC was not sure about my self. Does Not make sense? I have XXXX and XXXX XXXX XXXX and I never had this ridiculous situation. I request a full investigation regarding this matter. Your bank take so long in pick up calls and they are very rude. I have the app but every month did not work out in order to pay and I had to call the bank and they usually said : Sory, We are having problems with the app Too many sorry!!!!! Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2020 I went to the XXXX XXXX nj pnc branch on the XXXXXXXX XXXX XXXX. I used the atm to make a cash deposit of {$4300.00}, I put a bulk wad of cash bills into the atm and the atm spit back some of the cash bills indicating I was putting too many in at one time. I had to make another cash deposit because of that. I figured the atm calculated the right amount of bills entered but when my second cash deposit showed me that I was being shorted {$200.00} I immediately went to notify a teller. I knocked on the lobby door and was told to go to drive thru to make my dispute. I was told I would get credit for the {$200.00} and the bank will be auditing the atm on Tues. XX/XX/XXXX. This is poor customer service. The teller did say my money jammed in the machine. I never had an issue at an ATM before this. I need a full audit done with all the holding bins in the atm checked and a tech opening up the atm to search every possible holding bin/area. A video audit should be done too to review my transactions on camera. They will see what theywhen I noticed I was shorted {$200.00}
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
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: Hi there, I have had a good credit and always make payments responsibly. XX/XX/2020 I saw a fraudulently opened loan account on my credit report and filed a police report and ftc report, sent a copy to a PNC bank which claimed to be a lender. However there was no investigation open by PNC bank and they left the things as it is.
Company Response:
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I voluntarily opted to have my mortgage note holder, PNC, to open an escrow account for me on my current home. In writing on XX/XX/2020, I formally requested to end my escrow account with them and they rejected my request stating that I had lates payment in the last 12 months. I asked them to show in writing where I agreed to such terms of an escrow account and they have not been bale to provided any evidence of the kind. I told them that I voluntarily opted for them to manage an escrow account for me and that I wanted it closed. I have called repeatedly to close the escrow account but received a different answer to why I couldn't. One time I was told that it was due to my type of mortgage. I have a conventional, 20 % down payment loan, not FHA, so there is no reason that I am aware of that my money is being held hostage. I asked PNC representatives to show me in the loan documents where I agreed to the terms of not having the right to close my escrow account under any circumstance since I voluntarily opted for it. They are not able to provide me with any documentation that I signed that agrees to there terms of the escrow account. I even have a recording of a conversation with a representative and they continue to give me the runaround. They also claim they have sent me 2 rejections letter that I have yet to receive. I want my money from the escrow account and PNC is holding it hostage.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I was charged late fees for the month of XXXX and XXXX however the bills for XXXX and XXXX were not sent to me because the address was wrong and when I spoke to the cardholder representative they said yes the bills were returned to them. Therefore I had no bill that I could pay an amount for because I never received a bill. I thought that the reason I wasnt getting bills in the first place was because of the Covid situation possibly and I was just waiting for a bill. When I missed a payment in XXXX they reported it to the credit bureau because they have some sort of policy after 33 days they report to the credit bureau. My issue is I never received a bill to pay. When I did get a response from the Card company I spoke to a representative and pay late fees and outstanding bill of {$50.00} and change immediately. I asked the card company if they could delete the mistake due to the wrong address and they told me it wasnt their department and told me goodbye and have a good day! Im looking to solve the situation because my credit score has lost 50 points or more and Ive never missed a payment on any of my cards for the past 30 some years.
Company Response:
State: PA
Zip: 19115
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I have been scammed by an Absconder and filed two police reports. XXXX police told me to work with PNC. I did work with them and everytime from the branch to the telephone persons all they told me is to file a complaint. The complaint that they said will take 3 days to dispute a scam most 99 % won't be able to do anything to me. I have been asking for explanations and they never call me back when they said they will. I have to put in request to be called then they called me with an attitude we are working on it when i recieved a letter a few days ago saying that they won't be able to do anything because it's 3 days dispute and they can't find anything. Of course nobody is able to do any investigation work in 3 days, not even the police can trace me being scammed that fast. I gave them all evidence, the absconder list, police report testifying me. Nothing comes from their end but just a half of a job to do a complaint, 3 days passed, well PNC is not able to do it because their process takes 3 days to dispute?. I told the only person that call me back why is he saying they are working on it when i already recieved a result he said well he doesn't have to go over any clients files before he calls. Well if you don't care why even bother to call? Because people complained so PNC give them a half answers and if they are not satisfied still, pnc would just call and lie that they are working on it when i receive a letter from the dispute department saying they won't help? But the on call person from the same department would call me still and lie to me that they are working on it, then got busted and keep saying basically bad luck, do you want to file another complaint? Is there ang other things he could do for me in a threatening voice. Even worse, when i want to speak to a manager at the branch, they deny it, i wiped all of my deposit box and money and they treat me disrepectfully saying that it's my fault and its not on PNC. Well, you are the keeper of my money, it is your job to keep it and protect it. Another time at the branch, branch representative told me file a complaint again won't do anything, it will just bounce back the time for the investogation and make it longer so just stop?. Helpless, i have to report them. Even if i lose my money, PNC lose a customer for 7 years who deposited more than XXXX in those years
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2020 I log into my online banking with PNC and realized there was an deposit for {$460.00} into one of my checking accounts that was not suppose to be there. Immediately I contacted PNC customer service to explain that the {$460.00} that was posted did not belong to me. The online tell went back in fourth me explaining that there was no fruadulent action on my account and that the {$460.00} may just be a credit to my account. I inturn asked for it to be turned over to the fraud department. I was given a confirmation number. Upon hanging up I contacted the police. I was given a police report. I contuied to use my account. XX/XX/2020 I went to pay a bill and my account was in the neagitive for {$460.00}. I want to a PNC bank branch and was told the {$460.00} was no where to be seen in the account. Meaning it has no evidence of ever being there. I also spoke to the fraud department and was told the same thing. So basically it was there but wasnt there and I called to report it which the teller also seen it. But now my account is in the negative. I requested my account to be on hold. Because of prior issues weeks before that resulted in me closing one of my checking acounts down. Im not sure whats going on but Im very sure that fraud is the issue. Ive been with PNC bank for a few years and have never had these issues.
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Regarding : PNC Bank I received a letter saying that there was a shortage on my escrow account. The letter offered me the option to pay the outstanding balance ( shortage ) in order to keep my monthly payment the same or to increase monthly payment. I choose to send the one time payment in order to keep my monthly payments the same. I even submitted an additional XXXX payment to the principal. After I submitted that payment, PNC Bank still arbitrarily and without any notice increase my monthly payment by {$55.00}. XXXX so instead of paying {$3200.00} a month I am now required top pay {$3200.00} a month ). When I called the bank the staff who took the call, said the the bank can increase my monthly payment at any time. I ask to speak to someone else and I was put on hold for 46 minutes and then ended up leaving a VM hoping that someone will call back ( I am still waiting ).
Company Response:
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I requested to have this account closed and brought the balance to XXXX to allow the bank to close it. As requested, PNC did not close the account and cause it to accumulate {$25.00} fees for two months, then they decided to closed it and send it to collection. They never bother to call me about this. This affected my credit score. I am about to refinance my home this damaged my score. My credit score was over 800. I asked them to close the account in writing, through the messaging system. It's unacceptable they denied my request and allowed fees to accumulate. I want them to grant my previous request in writing, through the messaging system, to close the account, the request was done before the account collected any fees, then, they need to correct the derogatory remarks on my credit score.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2020 After giving PNC three months and five opportunities to resolve an authorized debit, I am requesting your help. At first it appeared that the situation was handled appropriately, my account was temporarily credited, a new debit card issued and transaction dispute initiated. From that point on I received the same PNC dispute form three times, no response to my letters, with no specific employee or department assigned to handle my issue. I then contacted the merchant myself. Upon calling the PNC contact number I inquired where to forward information from the merchant stating that they have no record of a transaction from my account and was advised not to, only that they would re-open the transaction dispute and send the same form. It appears PNC has not used any of their fraud investigation resources and has no intention of doing so. Attached please find all my previous correspondence. As of today, I still have not received a response to my letters. At this point I wish to recover the {$99.00} fraudulent debit and be done dealing with PNC forever. Thank you for your time, ________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A