Date Received: 2023-09-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/23 there was an external transfer from my bank ( PNC ) for {$2000.00} to an online checking account ending in XXXX with XXXX. I have filed two disputes with PNC and was denied both times. I also contacted XXXX XXXX and they told me there was no checking account ending with those 4 digits. The thief also tried to transfer {$800.00} but I was able to cancel that transfer in time. I am extremely frustrated and I have done everything in my power to get my money back but PNC seems to not care at all. They give me inadequate reasons as to why my dispute was denied.
Company Response:
State: OH
Zip: 455XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX : This guy stole pics from a real military officer. Even had a fake military ID saying his name is XXXX XXXX XXXX ( I know I kept saying that name sounds weird ). Did a reverse image search after talking for a few weeks and found the real guy. Told the real guy and sent him the page but he says XXXX isnt doing anything to stop this. The scammer is using this email : XXXX - XXXX ; XXXX - XXXX XXXX : XXXX XXXX He didnt take any of my money ( I told him I didnt have much money in the very beginning. I figured if hes a scammer thatll be the end of our communication ). Instead, he had other people ( said his colleagues would send me money on XXXX XXXX and XXXX to help him out while he was XXXX to the XXXX ), then asked me to send him that money to his bitcoin. After a while, he started telling me to keep the money and do something nice for myself ( I was sent {$2800.00} to be exact between XXXX XXXX and XXXX. He bought me a ring and told me to keep ( {$100.00} ) and also keep some for my nails and pedicure ( {$100.00} ). When the money wouldnt stop coming in ( in one day XX/XX/26 I received 8 XXXX payments ). Told him I was uncomfortable accepting so much money and could he tell his colleagues to stop then opted out of XXXX. On the XXXX, I opted back into XXXX. But I received 7 more XXXX payments that day ( some sent payments more than once like a lady named XXXX XXXX sent me two different payments so some of these are from the same people just different transactions ). I told him I asked you to stop so Ill close the account for good now. He said he knew these people, but it was so many of them it just didnt feel right. On the XXXX I received only one XXXX ( {$100.00} ) payment and a request for a refund from someone that sent me {$200.00}. Her name was XXXX XXXX. She was requesting me send her back {$250.00} which was odd because where did the extra {$50.00} come from? I sent back the {$50.00}, and told her to never send money to my XXXX again. She sent me an email stating she was scammed from a XXXX marketplace ad. I asked her how did she get my XXXX? She stated she sent the money for a deposit fee on an apartment. I asked her to send me the ad in which she did. Told her I would send her the money back and to never send money for an apartment shes never seen before. She emailed back just send me back {$100.00} you can keep the rest since you didnt know what was going on. Which I also thought was odd because if I sent money and realized it was a scam, I would want all of my money back. So I sent her back in total {$150.00}. Then I get a XXXX payment for {$100.00} from a man named XXXX XXXX. I tried to send the money back, but had no phone number or email for this man. Then I get an email from this XXXX guy that keeps calling me named XXXX XXXX ( heres his number : XXXX and email : XXXX ) saying he wants me to send it back. I told him I did not receive the XXXX from a XXXX XXXX. He said it shouldve came from XXXX XXXX. Told him that XXXX needs to contact me and I would send it back to the sender, not him ( XXXX ). The police told me not to send him ANYTHING and block him which I did. No one else has asked for it back outside of the XXXX girl which the scammer sent me money from his own bitcoin account to pay back to her. Once I confronted him about finding out the ID was fake and he was a catfish and a scammer. I informed him I would be contacting the police. He blocked me from everything. Im emotionally exhausted over this situation and furious. The fact is he stole someones identity and with over XXXX XXXX followers, hes definitely a veteran at it. I spoke to him on the phone when I first became suspicious because I told him yes I could tell it wasnt him - thinking Id hear an XXXX accent- I would never talk to him again. But his accent wasnt noticeable at all which was also weird he actually had a nice voice. I reported him to the FTC and he blocked me on everything. I have cried a lot these last few days upon learning he was a catfish and a scammer. He is NOT in the military he is NOT XXXX to the XXXX. He is a scammer at the end of the day. The fact is, I dont know who I was talking to these past 3 weeks. I dont know where the money came from if it was stolen money or not Im just not sure. I called the police but no one has reported the money missing or stolen. So Im going to keep following up with the bank and the police on this matter. Ive reported this to the FBI website as well.
Company Response:
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My situation is that every month Im fined late fees and interest charges by PNC XXXX because auto pay has not worked. Every month I set it up again and the same thing happens. PNC Customer care told me their system may have a fault with external bank payments and they me asked me to fill in a paper form, and mail it to PNC. Theyve not agreed to waive my fees. This has been happening since XX/XX/2023, and every month I have to call them and complain. Their system does not preserve audit trail which is a regulatory requirement as far as I understand. PNC Bank only agrees to look into the incident after I posted on social media- XXXX and on XXXX. Even then, the executive from the Cotporate leadership team that was assigned to me, stopped responding to me and the issue with my fees and interest charges continues although I set up payment every month. As per consumer banking rules, if the fault lies with the banks systems, the consumer cant be asked to pay? No? Worse of all, PNC has told me they dont keep an audit trail of such activities. It means Tbey cant even tell me when Ive set up auto pay and why it didnt work. Lastly, PNC told me I was free to go outside of PNC ( small claims court, consumer finance protection bureau, etc ) to get it resolved because they cant fix the issue.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: PNC assesses escrow in the middle of the year and then tacks on a " shortage '' fee if you dip below an amount they set. This review seems to come right after they pay your taxes/insurance and then they hit you with a large " shortage '' fee which they add as an escrow advance then raise your mortgage payment. In XXXX XXXX XXXX we asked that the insurance/taxes be removed from escrow and we would pay on our own. It was told to us that there would be a fee to remove them and we could not remove them at the same time. We then asked to have insurance removed from the escrow. We were sent a form to fill out, which we mailed to address given. ( Meanwhile we are being charged over {$50.00} more on our mortgage to cover the " shortage '' which they graciously extended over 24 months ). The form was returned undeliverable. We called and were given an email address to send it to. After months, they claim to have never received, meanwhile we continue to pay the extra shortage fee. We have placed multiple calls, done multiple chats and still no resolution after 10 months. We set up the insurance to be paid by us, paid in full, PNC refuses to acknowledge this even after receiving notifications from our insurance company that it was paid, sent payment again, then charged us another " shortage '' fee. After numerous calls and an escalation with : XXXX XXXX XXXX XXXX XXXX PNC Bank ( p ) XXXX ( f ) XXXX XXXX we are being told we are unable to remove our insurance and taxes from our escrow due to PMI. We have been struggling for over 10 months with no resolution, only to be told that we CAN NOT remove our insurance after being told we could, being sent jumping through hoops, being told they didn't receive our information, do this, do that, then come back with this answer. If they assessed the escrow at the end of the year, and not in the middle ( right after taxes are paid ) there would be a very minimal " shortage '' of the escrow, if any. Consumers are being taken advantage of by being charged " shortage '' fees in the middle of the year, when it would even itself into the green over the course of the year.
Company Response:
State: CO
Zip: 80501
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have a Virtual Wallet account through PNC Bank. When I opened this account years ago one of the perks of the account was that ATM service fees would be reimbursed up to a certain amount. Sometime in the past year they changed the conditions of the Virtual Wallet account. Now they not only do not reimburse service fees but actually charge an additional fee on top of the ATM fee. When I inquired to a representative why this had changed, they were only able to tell me that they included a notification on a statement in XXXX of XXXX. They did not provide reasons for the service change nor for charging the additional fee. Compounding the issue is that at my local PNC branch ( XXXX XXXX XXXX XXXX, Washington , DC XXXX ) the ATMs are constantly in a state of disrepair and are not accessible after business hours. They've created a situation where you have to use non-PNC ATMs to withdraw cash and then make a profit off the inconvenience.
Company Response:
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I contacted PNC Bank with a request for an amortization schedule. PNC call center representative did not send me an amortization schedule ( showing a bifurcation of the principal and interest ). I have seen a discrepancy in the amount of interest being charged during occasions where I have made a larger monthly payment to account for additional principal. PNC sent a payment history only in XXXX. This information does not clearly indicate how the monthly payments have been applied - principal versus interest. I called PNC again XX/XX/XXXX and requested my request for this documentation be escalated. XX/XX/XXXX a different representative from PNC called me to verbal explain how to read my statements. I find this rather condescending. I continued to request a payment history/amortization that demonstrates the bifurcated information. PNC continues to refuse to provide me these details. I am merely attempting to audit their methodology in how payments are applied correctly. This latest representative stated that PNC charges a daily interest amount predicated on the number of days between each month. I find this inconsistent with my other auto loans wherein a fixed amount of interest was applied to each monthly loan amount. Based on my previous experience with auto loans, I feel as though PNC is applying my overage payments to interest rather than principal. I feel they are unwilling to provide transparent information about my auto loan.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: PNC Bank is knowingly and intentionally engaging in fraud and the use of fictions identities to perfect fraud and money laundering. There is no account opened under the the first and last name only but rather the first middle and last name. PNC Bank is using the first and last name as a fictitious entity for money laundering with respect to its DEI and WOKE internal agenda. Additionally, PNC Bank which is using a forced arbitration clause to which I was not properly notified to perfect its criminal fraudulent activity. PNC has never responded to my requests regarding the forced arbitration clause which is in bad faith and used to perfect fraud, ante. This information was also brought to the attention of the CFPB director which via ia political affiliation condones the criminal behavior of PNC Bank with my identity.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: * THIS COMPLAINT IS NOT A DUPLICATE * THIS COMPLAINT IS REFERENCING XXXX IN EXCESS OF AMOUNT NEEDED THUS RESULTING IN EXCESSIVE PREMIUM CHARGE PAID FROM MY ESCROW ACCOUNT THIS COMPLAINT IS FURTHER INFORMATION DISCOVERED AND IN APPEAL TO THIS YEARS PREVIOUS COMPLAINTS IDs ( ALL SAME PROBLEM ) XXXX XXXX XXXX XXXX I WILL NOW NEED THE OVERSIGHT OF CFPB TO INSURE VALID, MERIT BASED, RESPONSES FROM BANK IN ORDER TO INSURE COMPLIANCE WITH XXXX AND CFPB RULES, REGULATIONS AND ORDINANCES. IT SEEMS IN PAST COMPLAINTS CFPB HAS FILLED MORE OF A ROLE OF PASSAGE OF PAPERWORK FROM BORROWER TO LENDER AND VICE VERSA.WITH LITTLE REGARD FOR CONTENT I NOW NEED THE OVERSIGHT OF CFPB AND OCC IN COMPLAINTS AND RESPONSES. ANY ADDITIONAL FILES OR DOCUMENTS NEEDED ARE AVAILABLE UPON REQUEST AS I DO NOT WANT THIS COMPLAINT REJECTED DUE TO FILE ( S ) UPLOAD SIZE.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I obtained a personal loan with PNC Bank on XX/XX/XXXX form {$4500.00}, where I signed a consent form to have {$130.00} automatically deducted from my bank account on the XXXX of every month beginning on XX/XX/XXXX. There was supposed to be a 1 % decrease in my interest rate for having the automatic deduction, which has not occurred. The loan matured on XX/XX/XXXX. I received a slip of paper in the mail advising that my final payment was {$270.00}, stating that this would take the place of my automatic deduction. I contacted the bank and was transferred several times before reaching the loan dept. I was advised that my loan was past due and that's why the final payment was so large. The representative stated that there was payments missed in XXXX and XXXX of XXXX. I ask how was that possible when I have automatic deductions and my direct deposit from my employer never stopped coming into this account, and every other payment has been deducted with no issues and I was also notadvised that the past due amount was made current on XXXX could not explain what happened and transferred me to collections, collections advised me that my account was not past due and she could not see any missed payments. The XXXX in collections filed a complaint and I received a call from an escalations Rep for PNC bank, could not explain anything to me and kept telling me that he would get back to me with my concern. I had XXXX from the local branch call to offer other services and I advise him of the issue and he advised that he could get the late fees removed, to only discover that he couldn't have anything removed from the account, due to the loan dept involvement and the loan advised him to have me write in with my dispute, my local branch composed a letter on XX/XX/XXXX, which they also mailed on my behalf, since them I have had another Rep from the escalations office call me trying to bully me into making the final payment, now PNC bank has added an additional late fee and the balance is now approaching the 30 day past due XXXX and on XX/XX/XXXX, I had a person from PNC bank contact me about the outstanding balance. During this time period, I have been told that I must have called in to skip a payment, which is not true, in order to miss a payment the request has to be submitted in writing and a late fee would not have been accessed, I have been told that I lost my job, which is not true I have been employed with the same employer for over XXXX. As of today the % XXXX for having the automatic deductions has not been applied, the late fees have not been removed as promised and the interest is still accruing.
Company Response:
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX I fell victim of a scam that my banking institution is very aware of as I was told they get numerous calls a day about this scam that's going on. The scam is that there are people posing as loan companies or loan officers that convincingly get you to give your login information. Once they have it they start disputing transactions without you having knowledge off it and getting the credits somehow. Even though it's the customers account the customer isn't receiving these credits the scammers are. The customers are unaware that there are transactions being disputed.
Company Response:
State: AL
Zip: 35235
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A