Date Received: 2023-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Card was deactivated after 1 day of opening an account. Could not use funds I had put on my account because my card was deactivated and PNC bank refused to tell me why my card was deactivated. Couldnt withdraw any money from an atm either and they wouldnt give me any information as to why I couldnt get access to my funds. They have my money and I cant use it.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received ( 2 ) letters dated XX/XX/2023 from PNC with an address of XXXX XXXX XXXX XXXX, PA XXXX. The letter heading stated " A check was Mailed to You in Error. '' Copies of the letter are available. I will try and attach them. Both letters have the same verbiage but reference ( 2 ) different card numbers. The first paragraph states : " HERE 'S WHAT HAPPENED. '' Checks with serial number XXXX ( letter # 1 and letter # 2 serial # XXXX ) were mailed between XXXX and XX/XX/2023. The letters explain that the {$20.00} balance on each card was for a XXXX expired XXXX incentive card. Per the letter, funds are not eligible past the expiration date. A Processing Error sent out refund checks in error. The letter goes on to state that XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) " requires PNC to request that the funds be returned. '' I called PNC asking for copies of the cashed checks showing my signature. I just needed confirmation that I in fact did receive and cash them. I am XXXX and do not always remember correctly. PNC told me to contact my health provider. At the time it was XXXX XXXX XXXX XXXX XXXX XXXX NY. I called them and was told that if I had cashed the checks that I did not need to reimburse PNC.
Company Response:
State: NY
Zip: 12020
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am a XXXX mother and a minority owner of a business that I founded in XXXX. The journey has been one of determination and hard work. However, the challenges that came with the XXXX pandemic hit my business hard. In the past year, I've found myself in an ongoing struggle to keep the business afloat, facing numerous obstacles along the way. As a result of these difficulties, my business account has been teetering on the edge, maintaining an average monthly balance between {$1000.00} and {$2000.00}. Last month, unfortunately, my account dipped below the required limit, resulting in the imposition of two fees totaling {$72.00}. While {$72.00} might not appear substantial to some, for individuals like me, facing economic uncertainties, every dollar counts, particularly during these trying times. Hoping for a resolution, I contacted PNC Bank to discuss the possibility of a fee refund. Regrettably, their response was not as empathetic as I had hoped. The situation highlights the unfairness that many individuals encounter in their interactions with financial institutions. Often, we find ourselves in positions where we are not fully informed about avoiding overdraft fees or utilizing available alerts that could help us sidestep such financial setbacks. It's my belief that financial institutions should take greater responsibility in ensuring their customers ' financial well-being. They should provide transparent information on how to prevent these fees and offer clear guidance on setting up alerts to prevent inadvertent overdrafts. Such practices would foster a more supportive and mutually beneficial relationship between banks and their customers, especially during these challenging times. I understand the crucial role that the CFPB plays, which is why I felt compelled to express my concern. I am hopeful for a timely resolution to address the issue at hand. Thank you!
Company Response:
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: The property at XXXX XXXX XXXX XXXX XXXX was purchased in XXXX.I have been making my monthly payments up till XXXX due to loss of employment income and had to file for XXXX XXXX XXXX which was discharged in XX/XX/XXXX. After the discharge the servicer ( PNC by XXXX with XXXX XXXX Mortgage ) want me to pay additional {$20000.00} ( other fees ) which they verbally confirmed over a telephone conversation on XXXX XXXX as attorney, foreclosure fees etc during bankruptcy.I don't think I should pay their attorney after I paid my Attorney over {$10000.00} during the XXXX.I am already delinquent by {$11000.00} ( see attached XXXX statement ) due to loss of employment income because I was suspended from my full time employment in XX/XX/XXXX and in XX/XX/XXXX I was asked to resign my full time appointment or be fired.I am struggling to make my monthly payments and can not afford to pay their Attorney fees etc.
Company Response:
State: PA
Zip: 17315
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: PNC closed my account and did not notify me. I receive direct deposit into this account which is used to pay my mortgage and have to wait due the error.
Company Response:
State: NC
Zip: 28390
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a complaint against PNC due to the loss of my debit card on XX/XX/2023, I feel that they are retaliating against me regarding a dispute of charges with a company named XXXX for scamming me with the wrong product and giving me the wrong address. PNC Reference Number XXXX sent XX/XX/2023, denied my dispute however do not state why. I called PNC on XX/XX/2023 I was hung up on or on hold for a long time just to get this dispute addressed. In addition, PNC does not give the call center information regarding the dispute which is extremely stressful. PNC should be held accountable to make sure that I have all the information requested regarding this dispute however when you call the call center they do not know what is going on. The dispute transaction is for {$26.00} Reference Number # XXXX I sent all the information regarding to this dispute and I was scammed by this company. I believe that PNC is retaliating because I complained against them for another matter.
Company Response:
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, someone broke into my car and stole my check book and personal information. I notified my bank, PNC Bank, NA, on XX/XX/2023, and they allegedly imposed a freeze on the account. The, on XX/XX/XXXX & XXXX, 2023, I discovered that the thieves initiated ACH transfers from my PNC account ending in XXXX to : ( a ) XXXX XXXX - {$1600.00} ( XXXX Account No. XXXX ) ; and ( b ) XXXX - {$290.00} ( XXXX Account XXXX. XXXX ). Despite that PNC does not dispute that the transactions were fraudulent, PNC refuses to return the funds to my account.
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Monday XX/XX/2023 I deposited {$1000.00} on my Michigan first card using an pnc atm machine and it toke my money and was never credited to my account around XXXX pm.
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX, I initiated a transfer from the PNC app for {$38000.00}. I submitted the transfer request. The bank accepted the transfer request and notified me funds would be available at the other institution on XXXX XXXX. However, for an unknown reason, PNC put a hold a block on that transfer ; and never notified me. No text, no email, no phone call. Nothing. It was only today when I checked my balance in the app I discovered PNC had blocked my transfer request ; costing me and my business valuable time, and money. When I telephoned them to request a wire transfer be done because I needed the funds to arrive by XXXX XXXX, I was told that any fees involved in creating wires would not be lifted ; that in effect, I had to pay for their error. I had truly hoped PNC would become the bank of choice for me and my business, but I will not do business with a bank who si cavalierly disregards the wishes and its clients ; and fails to notify them when they do.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: On XX/XX/2023, at approximately XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Complainant '' ), received a phone call from PNC Bank representative XXXX XXXX XXXX XXXX XXXX XXXX of Customer Relations. XXXX XXXX, informed the Complainant that PNC Bank was in receipt of the Complainant 's filed against PNC Bank on XX/XX/2023. However, the PNC Bank representative went on to discuss actions PNC Bank took in another complaint filed against it by the Complainant. The PNC Bank representative made the bogus assertion : " XXXX XXXX, PNC applied the {$3700.00} of over payments you made, to your principle balance. '' Although difficult to do. The XXXX held his tongue in check. The Flex Modification over payment of {$3700.00}, made by the Complainant " XXXX '' be applied toward his mortgage not his principle balance. The Flex Modification is a " CONTRACT '' entered into between the Complainant and Fannie Mae, and not some XXXX Bank whose only goal is to fleece the public. Yes. It has become personal. PNC Bank has XXXX 's full attention. PNC Bank 's malfeasance, the misappropriation of the XXXX 's Flex Modification over payments is violative of contract law as well as the XXXX 's right to due process, in violation of his right of equal protection under the law. The XXXX 's over payments-payments coerced by PNC Bank XXXX SHALL be applied to the XXXX 's mortgage, not to his principle balance. As if the Complainant actually believes the defendants who have consistently engaged in fraudulent and deceptive practices from the very beginning Fannie Mae hired these predictors.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A