Date Received: 2024-01-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have a Virtual Wallet account with PNC, where I noticed lots of unrecognized charges and ATM withdrawals. Account Number : XXXX All charges made from XXXX XXXX. Total amount from unrecognized charges {$8400.00} USD. Attached the Statement with the detailed charges and the dispute made with the bank. The bank states that an extra debit card was requested on XX/XX/XXXX and sent to our address wich is not correct. I did not do so and did not receive that extra debit card. They do not want to give us any extra information regarding who authorized that debit card and why did they issue it. Most of the charges are ATM withdrawals and I have proof that I was our of the country on those dates. I believe there is something we could do since I believe I was victim of a fraud. PNC will not help with this dispute. They answered on their behalf everything seems normal. Please advise.
Company Response:
State: TX
Zip: 78217
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account appears to be locked and I am unable to access my funds.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with PNC bank on XXXX XXXX. The process said that it could take up to 15 days for funds to be available after they were deposited. Fine. I made 4 deposits : One on XX/XX/XXXX, XXXX on one XX/XX/XXXX, XXXX, one on XX/XX/XXXX XXXX and one on XX/XX/XXXX, totalling $ XXXX. PNC put holds on each of the deposits, and I had to call customer service EVERY time I tried to deposit money to remove the holds. Customer service told me it was because I was trying to use the account before it was 30 days old. Annoying, but whatever. Then, this past weekend, XX/XX/XXXXXXXX I could no longer access my account at all. It says the " service is unavailable '' whenever I try to log in. I called customer service and was told my account access had been " revoked '' and was " under review '' and could be for up to THIRTY days. At no point was I contacted or warned that this could or would be happening. I received no communications from PNC. No fraud alerts or anything like that. Customer service insists that my account is still open, but says they have revoked access, so I have no way to see, verify, or use any of my funds for THIRTY days. They refused to let me speak to their escalation department because the representative said there was nothing the escalation department could do to help me remove my account from review. All I can do is wait 30 days and hope my money is still there at the end. That feels like fraudulent and unethical behavior. This experience has been SO bad that my husband and I are in the process of closing our other account there. Based on my experience so far, I don't recommend anyone use this bank.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXX PNC bank deducted {$50.00} as bank fees from my account for a tool called XXXX XXXX I did not sign up for XXXX XXXX or neither do I need it. When I complained to cfpb complaint : XXXX Eventually they credited back my money but looking into my account on XX/XX/XXXX they debited my account for {$52.00} again.
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: back in 2016 i had a repo, just recently 7 plus year later that same repo was reported again to my credit report destroying the hard work i did to build it back up and will be on my credit report for another 7 years. i was told that after 7 years the case is closed and after 5 years companies could not reach out to try and collect or file against me.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XXXX I was denied an account with PNC BANK for no apparent reason. The failure of the PNC BANK to allow us to open an account violates the 14 th Amendment s Equal Protection Clause. The BANK has always been XXXX and biased against XXXX
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Inside atm at the PNC bank in XXXX, IL XXXX XXXX XXXX XXXX shorted me {$100.00} when I took cash out. Bank did credit it back to me to do an investigation but now taking the {$100.00} back out of my account causing me to overdraft, I know how to count and I know it shorted me so either bank is lying or the what ever company owns the ATM is lying
Company Response:
State: IL
Zip: 61614
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have been a PNC/Union National bank account holder since XXXX. I have a premier checking account which requires a {$5000.00} min monthly balance. I received XXXX interest in XXXX, so XX/XX/XXXX I called to see if I had any higher interest rate options. There are not. So, I switched to a lower monthly minimum. NOT a new account, same account number. The customer service rep changed my account to a Virtual Wallet account without asking or telling me. I have other accounts that are still regular accounts. On XX/XX/XXXX one of my credit card was moved to this ridicules Wallet without my consent. We never even talked about my credit cards. I did online chat with XXXX XXXX Who told me that the account could not have been changed without my consent and it could not be changed back. I can no longer even access my credit card account. I get the message " multiple errors have occurred ''. I can't see my pending checks in bill pay anymore. I actually have to go to one of my other accounts to access my bill pay info. I have been told there is nothing that I can do. I don't know if this Virtual Wallet is in testing but it's awful!! Please help me get my old account reinstated. The Virtual Wallet is a majorly flawed application. Customers need to be warned about this.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: My mortgage was sold to PNC Bank in XXXX. Since the date it was sold I have not been able to successfully make a mortgage payment without over one hour of investment navigating PNCs channels. Months, and months of multiple phone calls, multiple conversations with the IT department, the customer, service department, as well as escalated complaints. And after almost a year, I am still unable to make a mortgage payment online. Issues have included but are not limited to : - password working in mobile app but not working in browser - locking out account via browser if password is entered wrong once ( even though it works in the app ) locks out account - mortgage payment not possible in mobile app ( see bullets above being an issue ) - password reset for mortgage not working in mobile app or when account is locked out ( again, see above )- very difficult to get to a human in customer service without details I cant get bc my account is locked out. - cant use XXXX bc account is locked out - resetting account via a temporary password only works the first time. When going back in, new password will fail to work in browser - 2 out of 4 calls with a customer service agent will result in being hung up on ( I dont think this is a human - I think their phone lines drop ) meaning I have to start over - saved external account shows to phone agents but doesnt show online - cant add external account via mobile app. But broken record cant get to browser bc of password issues The first 6-7 months I spent HOURS with all of their people working my account out. And every month Im back to square one. I have not successfully made a mortgage payment YET without at least 4 failed online attempts and minimum 3 phone calls. I have never had so much trouble just trying to pay a bill as I have with this bank. And I am absolutely infuriated that because they bought my mortgage theres absolutely nothing I can do about about it. I work in XXXX XXXX. With customer service. With technology. And I can say that this has been the absolute most infuriating, unacceptable banking experience I have ever had. I think it is unacceptable that I did not choose to go into business with this company, and yet have no choice but to spend one hour monthly of my time to try and pay a mortgage bill. And yes, I have contacted the company. Monthly. And I make a formal complaint each time. And yet the issues are not resolved. I do not have this problem with any of my other accounts. I am a perfectly savvy user of online, financial applications and websites. The way that they have set up their services and systems is absolutely ridiculous.
Company Response:
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XXXX XXXX is making payments to XXXX XXXX for advertising / marketing support to their new product introductory project. Payments are rendered on weekly basis or more often as needed. On XX/XX/XXXX PNC bank decided to flag check XXXX XXXXXXXX as suspicious transaction. Employee of XXXX who has access to the account noticed it and immediately contacted PNC Bank to explain that this is wrong flag and all is good with this transaction. Person who picked up the call was unsupportive and did not listen at all stating that XXXX XXXX owner needs to call them by XXXXXXXX XXXX on that day ( XX/XX/XXXX!!! ) to explain it. When XXXX employee get frustrated with repeating info that man in question is overseas celebrating his holiday break and employee of XXXX requested supervisor at PNC Bank, the operator dropped the call. The next day, XXXX bank account was negative due to the check being bounced by PNC bank against XXXX will. XXXX 's owner contacted his bank and was instructed to reprocess the check do to lack of errors. This is happening right now and at this point we do not know if PNC will refuse it again or not. Situation of bank making unilateral decision about clients money and against client 's will ( and normal reasoning- there are other checks between the two and non was ever in question by any of the sides ) is unacceptable! Your intervention will be greatly appreciated.
Company Response:
State: FL
Zip: 33770
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A