Date Received: 2023-10-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a new credit card account with PNC and immediately set up auto pay to avoid any fees or late payments. Their system chose a payment date for me and I completed the setup with my bank account. I review a statement several months later and saw that I was being charged late fees. I called PNC to get this situation corrected and a customer service representative informed me that my payment date was after my due date. The representative told me that she would correct the issue and as a courtesy remove one ( 1 ) late fee. A few months later I reviewed my statement and was still being charged late fees. I called PNC and requested a supervisor review what had happened and to get the recorded calls. I have not been contacted as of yet and am still getting late fees.
Company Response:
State: MA
Zip: 02446
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My husband and I left town on a family emergency. My husband XXXX XXXX and hurt himself broke so a XXXX in his neck and tube on his back and he is XXXX XXXX XXXX during the drive back from DC. We had purchased gas for {$32.00} at pilot. Thought everything was OK. Drove home, the next day my husband got a text from PNC fraud department asking or the charges they included in the text with charges that he made he reply. No I didnt call the bank to dispute their mouth within a week or two. They emailed back and said they believe the charges were correct Yet theyre the ones that notify us they were suspicious of the charges because its unusual it shows a {$32.00} charge for gas within seconds {$150.00} even at the same gas station then not long from that a {$30.00} and something cents at XXXX XXXX another XXXX something dollars and {$120.00}. My XXXX XXXX an XXXX XXXX theres no way we can put {$32.00} in gas {$30.00} in gas {$150.00} even in gas during this process. I looked into our account and noticed that there were other charges so I put a dispute in. Yes we have been to these places before however, we did not make these charges the second time The bank automatically assume that we did it and they said they did a thorough investigation I know for a fact that someone can take your pin number and create a card with a chip and fraudulent use your account. Including multiple quick withdrawal as fast as they can, or purchases. I even offered for them to go ahead and request video for the Places to verify its not us the person I talk to said she was gon na record this conversation for quality purposes then I told her that I would like to record the conversation for proof she said she will cease and not discuss it with me any further and refuse help and continuously put me on hold, and she told me are you threatening me because I told her that I believe it was unfair and that I would probably post it on social media so that other people know about fraud they withdraw the amount on my account to cover for fraud charges that I had nothing to do with
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to bring to your attention the unresolved issue concerning late payment account on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Several months ago, I opened a credit card account with PNC Bank. I requested that my statement be sent to my home in hard copy. I never received any statements. As a senior citizen ( Age XXXX ), I trusted PNC to honor my request and send me my statements so I can compare my receipts with the statement. Despite many requests not only from me but also from XXXX XXXX at the XXXX XXXX, AZ branch. The Branch Manager XXXX XXXX tried to work with the credit card department. He told me they expected my call. When I called I talked to Supervisor XXXX ( XXXX ). She basically called me a liar when I told her I NEVER received any statements. I told her my address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX. XXXX XXXX XXXX said she sent the statements to that address. If that was the case why have I not received any statements? I believe PNC Bank is scamming seniors. We open a credit card account, expecting our statements to be sent to our home. If they do not arrive, don't know payments are due and don't pay. This results in fees and interest payments. Despite complaints about the lack of delivery, nothing is done. Fees and interest build up without our knowledge. This is an easy way to increase revenues and harm a very vulnerable section of our population. Since there are no statements, I can not produce them as evidence.
Company Response:
State: AZ
Zip: 85614
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This concerning by prior complaint with PNC, during my research I found that there was no XX/XX/2023 statement thus my {$200.00} payment from XXXX didn't post causing the Late fees. I have attached documents proving that possible fraud!!! XXXX the PNC has been no help at all!!!! My PNC expedited case number is XXXX.
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I returned an item and the store refunded the money to my debit card and PNC Bank put a hold on the funds and refused to release them to me. They have repeatedly held my deposits, including cash deposits for up to two weeks. And, when I said that I need the funds earlier, they accused me trying to commit fraud!! When I tried to set up direct deposit, they accused me of trying to launder money!! This company is completely insane and unethical. They charge ridiculous fees that are actually illegal. They have changed the terms of the account that I have, without my knowledge or consent-so that they could charge me more fees. This is the most unethical bank that I have ever worked with.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Trouble during payment process
Subissue: Private mortgage insurance (PMI)
Consumer Complaint: Contacted PNC Bank on XX/XX/2023 to start the PMI removal process on my mortgage. Was told they would submit the request and it should be removed, as at the time I owed XXXX % of the principle balance ( below the common XXXX % requirement for a PMI ). Have since been been charged another monthly PMI of ~ {$63.00}, and will likely be charged for another ~ {$63.00} next month. Called into the company XX/XX/2023 to see why the PMI was not yet removed and why I haven't received any returned correspondence. Company said their customer service rep must have forgotten to submit my request when I called in on XX/XX/2023, and that I was still accountable to pay for the PMI due to their mistake. The company said they will now " officially '' put the PMI removal request in, approximately XXXX weeks after it was first requested, and that I would will not be refunded any monies despite their errors. I requested that I be refunded, and they said they can not do that. Was told I would have to file a complaint to XXXX or CFPB or similar to get a resolution.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to request PNC BANK to provide verification and substantiation for certain items on my credit report that were previously blocked due to fraud. I have recently obtained additional information pertaining to these blocked transactions, which suggests that there may be factors necessitating further investigation and clarification.
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I walked in to the PNC branch located in XXXX Illinois on XXXX and XXXX XXXXXXXX. When I walked into the bank I was ecstatic to open up a bank account with a check from a family friend that was given to me and my family due to my mothers death. The check was over {$10000.00} and from the beginning I had a problem with PNC bank. The check was to be released in XX/XX/XXXX They began to put an extra hold on the check stating that they couldnt cash it unless they talk to the person who gave it to me. They also stated they had talked to the bank that the check came from. They also told me if they never talk to the bank or the person who gave me the not they can hold a check to XXXX. I was also accused of embezzlement and fraud. I did what they instructed I got in contact with the person who issued out the check and with the bank, when the parties tried to get in contact with PNC Bank, they informed me that PNC Bank refused to talk to them. I then put in a complaint With you guys on XXXX XXXX. PNC executive bankers reached out to me the following day and they did release the money, after I had to show them the letter that the check came in also the note that was attached to the check, proving that it was a gift from my family friend. After being so insulted and miss treated by PNC bank I went to their other branch on XXXX and XXXX XXXXXXXX Illinois and ask for a cashiers check and asked to close the account they did give me a cashiers check and close the account. I went to take the cashiers check to another bank XXXX located on XXXX in XXXX XXXX in XXXX, Illinois so maybe to open up a new account and start fresh. XXXX, flag my account and said the cashier check was fraud from PNC it was not a legitimate check. I dont know whats going on with PNC Bank but something needs to be done. why are you trying to keep my money from me??????!!
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Shortly before XX/XX/XXXX my mortgage was transferred to a new provider, XXXX XXXX. A Bill Payment was submitted to XXXX to withdraw funds from my PNC account and make the payment to XXXX XXXX no later than XX/XX/XXXX. Several other payments were scheduled for payment by their due dates including XXXXXXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. On approximately XXXX I received noticed that my XXXX XXXX mortgage payment was past due. Checking my PNC bank account I see that they payment was check was cashed on XX/XX/XXXX and recognized that a proof of payment was needed so that XXXX XXXX could post the payment to my account. On XXXX I called XXXX to have a proof of payment sent. They transferred me to PNC Bank at which time the PNC representative verified the merchant and the amount and informed me they would take care of it. On approximately XX/XX/XXXX I received notification via phone from XXXX XXXX that they had received the proof of payment and on XX/XX/XXXX I confirmed that the payment had been applied. Unbeknownst and without notification to me PNC had actually filed a dispute for the amount, XXXX XXXX XXXX XXXX, as well, and a reversal took effect and returned to my PNC account on XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXXXXXX XXXX XXXX that my payment was past due. We checked my XXXX XXXX XXXX XXXX account and noticed that the account was frozen because we were unable to withdraw funds from your payment account which I was informed was because of the XXXX return. I called XXXX and they were closed. I called PNC and the person told me that they dont have the ability to submit a reversal and that I had requested the reversal. On XX/XX/XXXX I called XXXX to attempt to unlock my account. They informed me that the function to submit proof of payment and file a dispute are on the same screens and that at the end of submitting the payment information, a human error was made and they had inadvertently clicked dispute causing the reversal process to start. I informed them that in not confirming their actions they had locked my account and caused other payments to be late as a result. To date, I have incurred over {$110.00} in late fees and interest charges and most likely took a hit on my credit score as well. She said she would need to consult with tier 3 on what could be done. When she returned, she said that since this was not their XXXX XXXX system that, in fact, the mistake they made was actually caused by XXXX because XXXX was supposed to handle the proof of payment and should not have transferred the call. She referred me to XXXX to be reimbursed for the fees that I incurred. I asked to speak with her supervisor. Once transferred I was given the same information but the supervisor did say she would file a complaint and try to work with XXXX on resolving. She said that their process is supposed to take several business days. I asked for the PNC address to file a complaint and then proceeded to submit my complaint to the Consumer Financial Protection Bureau. I plan to also reach out to XXXX but anticipate a similar response pointing me back to PNC instead. I am looking to be made financially whole by the two responsible parties.
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A