Date Received: 2023-08-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I went to the PNC bank to get a duplicate card. I sat for 45 minutes and watch the bank teller help other customers who basically ignored me. He began assisting walk-in customers who came after me and left before me. I am XXXX with a support animal and I felt that I was overlooked and treated unfavorably. In addition, I am a XXXX female. He decided to come back to me 45 minutes later after checking out his walk-in customers stating that the machine is broken and that the bank manager apologized and that my debit card will be expedited shipping and gave my support animal a toy. I left the bank and was upset and did not show it really. I received an email two days later on XX/XX/XXXX confirming that I received my debit card. I called the bank 's online customer service and the female inform me that my card will come on XX/XX/XXXX. On XX/XX/XXXX when I noticed my card was not in the mail I contacted the PNC bank again. I said the whole story again what happen and how I received an email confirming that my card was given to me on XX/XX/XXXX and I never received it. She told me that she spoke to her co-worker XXXX and gave me a reference number # XXXX that my card is expedited again and will be delivered by Tuesday XX/XX/XXXX. I found out on Saturday XX/XX/XXXX that my card was used! The PNC customer service rep fabricate that my card was expedited on Friday was not true. I called online bank and the customer service person was very disrespectful towards me. He acted egregious and I had to basically fabricate that I was at the police station and need to speak to a supervisor. He did not feel that it was not an emergency that my account was not secured and my card was used by someone. He finally put an online manager on the phone. She stayed on the phone with me until I reach the bank location to stop any false transactions with this card and change the card. The wait was about 40 minutes until I was called. I request the bank manager he never showed his face. A lady assisted me and she gave me a new card and then found during this time the person who used the card did not get any money from the account. I did speak to the Escalation department she listen to what I had to say respectfully. However, the XXXX PNC bank manager called this a mistake downplaying what is advertised as a secured bank and making excuses for her employees. I do not feel secure and my concerns are swept under the rug. Why did the bank fabricate that they expedited a card twice and it never happened? The email states they gave my card to me when it never happened is very concerning.
Company Response:
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The name of the company is early warning that most banks use to determine if somebody is eligible to have a checking account with them it happened when I had a checking account with what was then XXXX compass Bank I was a victim of identity theft somebody sent me a check I deposited it and waited for it to clear I then paid some bills and was alerted by the bank that the truck was bad so I went through the process of even getting a loan for over {$4000.00} to pay the bad check they then asked me to leave the bank and they put that bad report on my report with early warning and ever since I can't even get a bank account even at the credit union that I used to be with I'm not sure what the dates were it was over 4 years ago and since then I've tried to get with XXXX compass bank manager and then I never heard from him after I asked for help I need this removed now before I get married and have the embarrassment of telling my fiance
Company Response:
State: FL
Zip: 32043
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had a legal name change in XXXX. Part of this process was canceling my old debit card and had a new one issued, in my correct legal name. On XX/XX/XXXX I received a replacement for the canceled card, issued in the not-legal name. I did not receive notice of this card being issued. It just showed up in the mail, under my old name. My prior information was expunged on my account. They issued a ready to be activated debit card on a canceled card, to the last information available at that card ( Name, address, expiration date ), rather than any information on my account. I got no notice of it sent by mail, email, or electronic record within my banking account where notices are sent. Again, the name on the card is not for a legal name.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I closed a savings account at PNC bank. I asked for closing account disclosures. I was told PNC Bank does not offer account closing paperwork by two employees. I then called a week later and asked the branch banker that closed my account for my account closing disclosures and told they would be mailed to me. It is over a week now and no closing disclosure paperwork. UMM Excuse Me I worked at PNC Bank for 14 months there is closing account disclosure paperwork. I was told by law I am to give to all customers even if they do not want them, I have to offer to give them to the customers. This is a violation and just lazy employees. I Want My Paperwork!
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter via USPS on XX/XX/XXXX from XXXX XXXX XXXX. XXXX XXXX XXXX is a debt collector. Prior to receiving this letter from XXXX XXXX XXXX I had no knowledge of the debt they claim I owe. XXXX XXXX XXXX claims this debt is from my bank, PNC Bank, dated as of XX/XX/XXXX. XXXX XXXX XXXX claims I and my son XXXX XXXX owe PNC Bank XXXX. In XXXX and XXXX of XXXX, I was a victim of identity theft. The person who stole my identity, including my bank data, did so by claiming he could help me manage my money while earning money to pay off debts. He deposited approximately XXXX checks in equal amounts of - I think- {$500.00}. He immediately had me he had me XXXX money to XXXX or XXXX his partners. He told me I would make money by doing so. The very next morning, I checked my PNC checking account only to find I was extremely overdrawn in the thousands of dollars. When I saw this, I first called my bank and went to speak with XXXX at my local PNC in XXXX XXXX, IL. I also notified the XXXX Police Department of the identity theft and filed a report with them. Additionally, I filed notice with the FTC- all on that day. XXXX told me I might have to pay all the debt to my PNC bank, but he was not sure. That day, he notified me that my account had been closed and Id only have to pay approximately {$1000.00} to PNC. I made payments using the new account XXXX set up for me ; I never missed a payment and the debt to PNC was paid in full. I mentioned that XXXX of Ohio included my son XXXX as also owing the same debt. This is odd because I believe XXXX was not listed on my account during that time period. He held and still hold a checking account with XXXX XXXX. I do not recognize this debt from PNC because I already paid off the money that PNC determined I needed to pay back. Prior to receiving this letter from XXXX, I was never contacted by PNC or any other debt collectors regarding this debt. I am unsure of what to do. It is as if this debt materialized out of thin air. I do not recognize this debt as being mine, and neither does my son recognize it as being his, especially because he banks with XXXX. If you could please assist me with instructions on how to deal with this unrecognized debt that XXXX XXXX XXXX claims I owe to PNC Bank, I would appreciate it very much. I honestly do not recognize this debt as being mine or my sons. Thank you very much for offering to help people like me. I look forward to hearing from you soon. Sincerely, XXXX XXXX XXXX mail to : XXXX XXXX
Company Response:
State: IL
Zip: 60110
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This complaint pertains to the previous complaint, ID XXXX, filed several months ago. The complaint has partially been resolved. I received a cashier 's check in the sum of {$50000.00} a couple of months ago from PNC Bank mailed via XXXX. However, I have not yet received the interest that was lost due to BBVA 's failure to not renew the Time Deposit as requested by me. Instead, the account was closed without my permission or knowledge. This was done by BBVA prior to the conversion to PNC, and a cashier 's check supposedly was issued but without my request or knowledge. To this day, after having asked several times for this information, I still do not know who authorized and issued the cashier 's check and where it was mailed or given to. Please note that I am XXXX XXXX XXXX and reside in XXXX. I have not always received paper statements from PNC and just recently, with the help of my daughter, set up online banking, so I have not always been aware of all activities in my accounts. But regardless of this, I always trusted that my monies were in safe hands and never worried about something like this happening. This whole time, I was under the impression that my original CD had automatically renewed and was earning interest. At no time was I notified that the account had been closed out and that a cashier 's check had been issued. Had I not inquired about another issue recently, I would still not know. I am enclosing the following information for your review : XXXX. Time Deposit Maturity Notice XXXX XX/XX/XXXX. As requested in this notice, I did not respond to this because I wanted my CD to be renewed. XXXX. Letter from PNC, dated XX/XX/XXXX XXXX. Copy of Cashier 's Check XXXX dated XX/XX/XXXX I hereby request that PNC reimburse me for all the interest that I could have earned if the CD had been renewed as I had requested. This was clearly a mistake by BBVA and since it was converted to PNC, PNC is responsible.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 15 U.S.C. Sec. 1681i ( a ) I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not percent right and correct.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I entered the PNC branch in XXXX XXXX XXXX XXXX. I made a {$1000.00} payment to my HELOC. I paid the payment due and the remainder was to be applied to the principal. Instead they applied the full amp to the principal. I noticed.that the error was made and contacted the bank. That said no problem it could take 5-7 business days to correct. I looked today and they repeated the same issue. In addition they debuted my checking for the XXXX payment. Well, that brought my account below the minimum to avoid service fees.I was assured that everything would be corrected. In addition they have also charged the wrong interest rate. I te River a letter saying they would credit my account within 90 days I believe. This bank is unethical in its practices. The Funds Availability Act is also interesting at this bank. I made a deposit last month online and was going to be charged to use the funds before a certain date even though my check cleared. I thought at least {$220.00} of every deposit was to be made available and how can they charge me to use my money when my XXXX XXXX has already cleared my check. I want all of my monies due to me immediately and I want in penalties and damages due to me paid to me. This bank is operating as a predatory institution and I believe my rights as a consumer have been violated.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have tried to send written correspondence via mail since XX/XX/2023, but unfortunately the usps has failed to deliver our correspondence and so this will serve as notice instead of the letters sent. Please refer to the documents attached to see the issue concerning the shipping of the correspondence. Also, the document that was sent is attached called : PNC information request. This is a request to PNC ( loan servicers ) to provide information on our mortgage account held with PNC regarding who the owner of the mortgage is as well as any investors and their contact information. If there is no response concerning the matter within 10 days from the receipt of this notice it will be understood and agreed to that there is no ascertainable owner or investor of the mortgage. If so, we request a release and reimbursement of funds.
Company Response:
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Three fraudulent actions occurred on my account XX/XX/2023. I contacted the fraud division at PNC. They started an investigation. I also went to my branch bank and spoke with the manager. We decided to put a hold on the account to prevent further fraud attempts. The next day I noticed a hold on another account as well. I have three. But they said the holds are now being placed by someone with greater power and they can't release it. I can not access my money. On XXXX XXXX I received letters stating the investigation was over and my money was restored. So why are the two accounts frozen and I can't do anything, and the branch manager can't either. The bank has called whoever they are suppose to call several times, but they will not respond. My social security check was deposited and they won't let me have it. I almost got my life insurance policy cancelled because automatic withdrawal did not work. PNC is punishing us for someone else 's crime.
Company Response:
State: KY
Zip: 40160
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A