Date Received: 2020-08-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: PNC has been informed of 2 disputes in XX/XX/2020 during covid wherein my debit card was charged by XXXX ( {$30.00} ) and XXXX ( {$100.00} ) without authorization. The bank is unable to gather additional information from the companies causing the money to be fraudulently taken from my account.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened the account through the promotion of earn {$300.00} with a new virtual wallet with performance select. However, I still have not received the {$300.00} promotion. So I contacted the PNC Bank on XX/XX/20 regarding this issue. The representative ( XXXX XXXX. ) told me I just need to wait 90 days before the promotion credited to my account. After 90 days, however, still no credit. I contacted PNC again but this time was told I was not qualified for the promotion. The two representatives gave me different information and kept me waited months for nothing.
Company Response:
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My entire account and the funds are frozen and the debit card attached to account has been closed. I over the course of the night if XX/XX/2020 a deposit from Texas XXXX XXXX was received and successful in applying to account balance the. the action against the account was immediately taken based on the account receiving funds from Tennessee prior to this date. I provided the specific account services team with a copy of eligibility questions from each state, deposit correspondence from each state, my ID, and other correspondence on the date of freeze. I have been unable and told that this team only communicate by email. Issue has not been resolved.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: PNC credit card, During the Covid-19 crisis I was forced closed by my state ( KY ), I am a XXXX XXXX XXXX I was forced to close fromXX/XX/2020PNC said they were extending COVID Relief I called in and took advantage of the relief immediately once I became without income. Bc of an error in my states system ( Ky ) I did not get unemployment check until XXXX so I was literally with out income for nearly 3 months. Ive had this card for 15 years and have always paid everything on time. Obviously this pandemic had everyone in a place theyve never been. Discovering recently that in my credit report it shows non payments during this time although I called to notify them I was without income. Ive had credit for the better part of 15-20 years and have always paid and taken care of my obligations and the one time I need a helping hand from a Bank that I have paid multiple loans off with I get no such helping hand and they are trying to hide behind some kind of technicality, like gotcha. Its disgraceful and unbecoming of a business relationship. Im XXXX years old and have a wife and XXXX kids. We are a single income house. My wife stays at home with our kids. We own a XXXX XXXX and take responsibility of my finical obligations, obviously Covid put us all in a very untenable position and I think these financial institutions should be able to hide behind red tape especially when people reach out to them to let them know what was going on and hat I was without income. Bc of all of this, I cant get a mortgage to buy a home for my family.
Company Response:
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: FOR 5 YEARS I HAVE NOTICED AND COMPLAINED TO MY BANK ABOUT THEIR HANDLING OF OVERDRAFT FEES ON MY CHECKING ACCOUNT. WHAT THEIR PRACTICE IS IF THE ACCOUNT FUNDS ARE LOW AND THERE ARE INCOMING DEPOSITS AND WITHDRAWALS IS TO HOLD THE DEPOSIT AND ALLOW THE WITHDRAWAL FIRST IN ORDER TO CHARGE OVERDRAFT FEES TO AN ALREADY NEAR XXXX BALANCE ACCOUNT. WHICH IN THESE THESE TRYING TIME IS VERY UNNERVING AND STRESSFUL. OF WHICH THEY DENY BUT CONTINUE TO DO. YEARLY I AM SURE THEY AMASS SEVERAL THOUSANDS OF DOLLARS FOR THE BANK. AT A COST OF MOSTLY STRUGGLING MINORITIES I AM SURE.
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Our balance with PNC bank is of two parts. Part one had a no interest grace period to XX/XX/XXXX. Part two has a grace period to XX/XX/XXXX. We were assured the entirety of future payments would be applied against the first balance, less accrued interest. Last month was our first payment where interest was incurred. Instead of applying the entire payment, less interest, to the balance subject to interest PNC applied a significant portion to the balance that is not yet subject to interest, thereby violating what we were told.
Company Response:
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Bank charged me fees and refused to honer the disputes for the charges that were multiply posted, and refused to dispute items I never received and with their overdraft coverage and fees i am now XXXX. I want to close the account and work out a payment arrangement but they wont let me. I live off XXXX a month in social security so even if they sue me and get a judgement they wont receive anything and I'll just file bankruptcy again in 8 years. But I would like to try and fix this. They also wont remove my sister from the account as she had nothing to do with this and is not responsible and they wont close the account cause it's negative and they will keep accruing fees, I don't know how they let this account overdraft XXXX when they know I only receive XXXX in social security benefits. I think they did this to be try and sue me and get a judgement to try and take any assets I have ( which I have none, I own nothing, everything i use belongs to my father ) I need help working with these people from PNC.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: Could not approve external funds to be transferred to a Brokerage account
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is a copy of the certified letter I sent to PNC. PNC Bank XX/XX/20 Corporate Headquarters XXXX XXXX XXXX. XXXX, Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Dear PNC Representative, I have been a PNC member for about 20 years when your bank grandfathered me in from National City Bank. I have had a mortgage loan, home equity loan, checking and savings accounts. I mistakenly transferred {$2100.00} from my account at XXXX XXXXXXXX XXXX to a wrong PNC debit card number on XX/XX/20 at XXXX. The wrong number is XXXX XXXX XXXX XXXX. My correct debit card number is XXXX XXXX XXXX XXXX. My finger did not record the # 1 on the third set of four digits. When I realized the error, I contacted the XXXX Branch office and requested a dispute process. I understand this process can take up to 90 days. I receive a letter a week later indicating the dispute was resolved. I check my account and see that nothing was resolved. For the next several weeks in XXXX and XXXX I follow up this matter with dispute personnel. While the process of this matter is very stressful and frustrating, what is even more frustrating is the conflicting feedback that I am getting with the dispute personnel. The Ravenna branch manager indicated on two phone calls that he sees it and will forward it to the correct department to handle it. Another person said that nothing can be done because the account doesnt exist. Another person said that what I did was transfer real money and can not do anything and that people lose money all the time. I asked him to send me his answer in writing to me. He refused. This same person said, We dont have a system to get your money back. I tell him that his answer is not believable because the branch manager told me twice that he sees the error on his database. The one common message I am getting from your dispute people is that the process has to start/come from the bank you initiated the transaction. Twice I connect your people with the XXXX XXXXXXXX XXXX ( XXXX ) with phone number and name. They spoke. XXXX gave PNC the numbers that were entered and the amount entered indicating the first 6 digits are a PNC account. Again, I get the same message that the process has to begin with XXXX. Just yesterday I ask PNC dispute personnel to be specific about what is needed to process this matter. No specific answer is stated to me. Today, XXXX is writing a letter with this information and sending it to XXXX XXXX at XXXX. XXXX XXXX is the current PNC personnel addressing this matter. Having been a reliable customer for 20 years with multiple accounts, I am hopeful that this matter can be resolved in a positive way. If the account does exist, that PNC can contact that customer and request the funds to be returned. Your assistance in this matter would be greatly appreciated. Sincerely, XXXX XXXX
Company Response:
State: OH
Zip: 44240
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A