Date Received: 2023-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check that I received from a claim. I was told that the funds would be available the next day in which it showed that the funds were available. I went to the bank a few days later to make a withdrawal. I was asked by the teller what I was intending to use the funds for, I told the teller that that was non of her concern and was denied access to MY money. I have never been asked to explain why I am making withdrawals from a banking institute before and don't intend to explain to anyone. I spent close to an hour in the bank trying to make a withdrawal, the entire situation was uncalled for and very unprofessional.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Continuation of complaint : XXXX Company claimed a monetary relief amount of {$2800.00} was sent out - no monetary relief was received Company received returned funds from a merchant due to a dispute being filed- they never returned those funds. Furthermore the account that those funds wouldve been returned to was closed before the dispute was finalized. The account wasnt correlated with any other account therefore returned funds couldnt be used to offset any debt/negative amount owed to the bank - XXXX Company also claims to have mailed out another check for received funds from a processed dispute of {$160.00} - PNC DID NOT RETURN THOSE FUNDS NOR HAS A CHECK BEEN RECEIVED
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a notification stating that there is a new financial account inquiry with PNC Bank. I called the bank, gave my info. The man on the phone said he will put in a fraud report. He would not tell me if there's an account open. He said unless they need more info, I will not be contacted again. I asked if they would close the communication loop and let me know that they closed any accounts, he said no. He said he had no way to know I'm not the scammer.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hello, I am in the process of purchasing a new home. The settlement was originally scheduled for Wednesday, XX/XX/2023. On Monday, XX/XX/2023, a fraudster impersonating my settlement company 's closing agent sent me wiring instructions informing me the account number and routing number to wire the purchase proceeds to a fraudulent account. I submitted the wire transfer from XXXX XXXX XXXX on Tuesday, XX/XX/2023 to the fraudulent account held at PNC. We identified same day that the receiving account was fraudulent and notified PNC to block the funds from being deposited into the fraudulent account. They were successfully able to block the deposit even though the funds were transferred. XXXX has submitted two requests to return the funds so we can proceed with wiring the funds to the correct account so the closing can occur and the sellers can proceed with closing on their new home. Numerous calls have been made to PNC to request the funds be returned, but PNC has been either duplicitous about the status of the funds or they're just being incompetent. The fraud manager at XXXX contacted her counterpart at PNC and he confirmed seeing the return request in their system. Today PNC reported they never received the recall request even though XXXX had their confirmation codes from the transfer system. The settlement agent had to personally go to the corporate office to speak with someone directly. Only until then did PNC confirm that fraud had occurred on the account and the funds are frozen. They won't provide any indication as to when the funds will be returned so the subsequent closings can take place. The sellers ' possessions are in a moving van and they are staying with parents until this gets resolved. PNC needs to be exposed for their duplicity or incompetence. Please help!
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I wrote a check from my checking account with PNC Bank to pay an energy bill XXXX & XXXX XXXX XXXX amount of {$310.00} dated XX/XX/2023. The check was stolen in the mail and deposited in a fraudulent account in the amount of {$3100.00} and taken out of my account. The bank assured me they would refund me the {$3100.00} because it was clearing handwritten out on the check as XXXX XXXX XXXX and XXXX/XXXX PNC Bank insured me the transaction of refunding the money would take no more 120 days. After not receiving the money I went to bank each month, spoke with several managers and filed XXXX affidavits which have been notarized the last one XX/XX/2023. At this point I have exhausted all avenues to try to get this resolved. The police report was filed on XX/XX/2023 and the police have found the person who did this and there is a summons out for his arrest. The office also offered to speak on my behalf to PNC Bank and the bank only wanted the police report file #. Thank You in XXXX for any help with this matter. Sincerely, XXXX XXXX
Company Response:
State: NJ
Zip: 08610
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: My bank keeps taking out funds without my authorization. I know if it is below XXXX they will take out an administration fee plus a XXXX dollar paper fee. Then this is done on the XXXX of every month. I had XXXX put in over XXXX months ago, with miscellaneous illegal fees. It is with PNC bank. Could you please help me with this transaction
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: On XX/XX/2023 I attempted to cash a check in the amount of {$4100.00} dollars at the PNC Bank located in XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXXXXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX tellers name is XXXX XXXX at XXXX XXXX. The XXXX Assistant Vice President/ Branch Manager is XXXX XXXX located in the same branch in XXXX XXXX XXXX XXXX Pennsylvania There also was a 3rd XXXX XXXX in a office that I did not get a business card from. She was also involved with this situation. I have cashed over 16 + checks weekly since XX/XX/2023 with PNC Bank along with cashing checks in XXXX PA my home. The checks have always had my name XXXX XXXX XXXX and i was always charged {$82.00} cents for Not having a PNC account myself. But I do have personal accounts and business accounts with numerous banks including XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX and a few others. I did present my State of Pennsylvania Driver License and XXXX XXXX card as ID The teller XXXX XXXX was proccessing the check and asked me had I cashed checks with the XXXX family before. I replied yes many times. I am a XXXX XXXX and Owner of 5 separate Businesses in the XXXX XXXX. The teller was writing on the computer for approximately 20 minutes. I am assuming she was typing some type of notes on their account for some reason. I have cashed thousands of checks in 27 states but I never had a teller typing while continually looking at the XXXX Check. I finally ask the teller was there a problem and she said nothing. She then proceeded to leave the tellers office and went across the room to talk with the woman in the office. After 15 minutes she cam back to her tellers office and answered the phone. At that time I called the customers daughter and explained that I was having problems with PNC trying to cash the check and could she please call them. I sat down in a chair next to me in the bank. As I sat down a XXXX man said to me, he hoped that i had a good check trying to cash it. Because next thing would be the police coming into the bank. I realize that I was being profiled and being discriminated against because I was XXXX XXXX American. I also realize that I was in XXXX XXXX XXXX XXXX and Republican I called the PNC bank office in XXXX PA since the staff was familiar with the XXXX family trust and me working on their home. The woman answered and I explained what i was dealing with and it was XXXX discrimination in my opinion. She said she would call the bank and see what the problem was. After 15 minutes she called me back and told me they had not given her a reason why they would not cash the check. I stood up and I overheard the 2 XXXX XXXX talking and the one said to the other. That a employee had called from the XXXX PNC branch and verified their check and who i was. Neither on of them said anything to me at that point I had been in the bank for over 40 + minutes I asked the teller for the bank managers card Then I asked for the tellers pnc card. I left the bank with numerous XXXX people looking at me like i was a thief. No one in the bank apologized nor said sorry. I was humiliated and upset. I am consulting with 2 of the lawyers who represents us in XXXX and XXXX.
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX, the ATM at the PNC XXXX XXXX branch suddenly stopped working around XXXX. I attempted to use the APP and my credentials were denied. I tried to use the app from XXXX - midnight and later and still continued to give trouble - this morning I see XXXX overdraft fees for {$36.00} on my business checking account. I would like the fees to be removed - PNC has technical/ system issues and the institution is taking it out on the small business owner who has to manage the bank 's issues with their mortgage department, their business department and various other departments. Additionally, i reported a transaction that looked like a fraudulent issue on Sunday XX/XX/XXXX and it took me more than 2 hours to get connected to the fraud department - who then resolved the issue after more discussions. If I had not insisted on speaking with the fraud department, the matter would not have been flagged nor would I have had a {$370.00} debit resolved. PNC 's customer agents are unable to resolve issues anymore and most of the time the customer is having to move complaints up the chain at considerable cost to their own business.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have been buying and selling XXXX for 3 years now, and am a member of a group on XXXX. Recently I was looking for a particular breed and someone suggested contacting XXXX XXXX XXXX, which I did. They said they could send me XXXX XXXX for {$220.00} and this included shipping. I was asked to send it via XXXX ( which is through my bank PNC ) to a XXXX XXXX ( the breeder ). I did this and then the " breeder '' contacted me later in the day ( via XXXX ) that he was at the post office getting ready to ship them to me, however, the post office was requiring an additional {$150.00} for insurance & crating ( which was going to be refundable after they were delivered ) and then {$110.00} for vaccinations. None of this was a red flag since these are normal requirements. The red flag happened once the " shipper '' contacted me via email and stated I needed to send an additional {$490.00} in order to get the XXXX into Ohio. NEVER have I had to do such a thing, so I told them to cancel the shipment. I then XXXX the breeder and told him to refund my money or I would file a complaint. I also contacted PNC to let them know I had been scammed, however, they refuse to refund my {$490.00} because they said I knowingly send those transactions. PNC now has the 2 emails that I sent the transactions to marked as " fraud/scam accounts '', but they still refuse to reimburse me even though I unknowingly was being scammed. I don't feel asking for my {$490.00} back is unreasonable since I thought I was involved in a legal deal. I didn't know any of this was fake until I started researching the phone numbers, emails, breeder facility, etc. All of these things came back stating that they didn't belong to any one person or company. PNC told me that because they couldn't get the money back, that I would have to accept the loss. I do not agree with this at all. I kept all the messages the breeder sent me, along with all the transactions and messages from the shipper. Obviously this person or persons knew the right things to do in order for me to believe I was dealing with a legit breeder, so I don't feel this was my fault. Going forward I will heavily research anyone else I deal with since this apparently is a new thing - scamming people on XXXX sites!!
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A