Date Received: 2020-04-18
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On the third of XXXX of 2020 I went to an ATM to withdrawal {$80.00} out of my account. I had a {$100.00} balance and planned on leaving the remainder. After several attempts and several surcharges added up I still was not being granted my funds. As I checked my balance again I could not believe my eyes as my balance presented {$0.00} remaining in my account. It was devastating to say the least. I am on XXXX and rely on every penny that I can get to support my family. I contacted customer service on the sixth of XXXX and then called the claims department. No one seemed to know how to help me. After several desperate phone calls to this department and that department with no one giving anykind of realistic name or title of position they held I felt like such a fool for even trying. Still no one has offered to credit me back my {$80.00} balance realistically {$100.00} balance, but all I was asking for was the amount I tried to withdrawal and never received. The claims department told me it would be 4 to 7 days then 7 to 15 and then it became 15 to 30 and then it finally got up to 30 to 45 days before the investigation could be completed.that when I decided something had to be done on a different level.
Company Response:
State: GA
Zip: 30720
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: With Corona virus I deferred my payments for three month..they are charging me XXXX $ a day ... that's is over a car payment how is that helping through this time ....?
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I began the process of requesting the return of mistaken XXXX contributions on XX/XX/XXXX. The reason for my request was that I was not aware that being enrolled in XXXX XXXX XXXX for part of XXXX & XXXX made me ineligible to contribute to my XXXX. My original fax, as well as my follow up fax dated XX/XX/XXXX, included XXXX Distribution of Excess Contribution/ Correct Mistaken Contribution forms as provided by PNC Bank XXXX the Custodian, for years XXXX XXXX {$4500.00} XXXX & XXXX XXXX {$1800.00} ). The amounts requested, the reason ( as indicated by federal law ) and the appropriate disbursement information are clearly listed on each form. The chronology of my request is as follows : On XX/XX/XXXX, the date of my original faxed request, I was unaware that funds had to be moved from my investment XXXX account to my base XXXX account to have sufficient funds to transfer. No one advised me of such. On XX/XX/XXXX, the date of my resubmitted fax request, I was unaware that having previously opted into the automatic investment option, the funds manually transferred from my XXXX investment account to my base XXXX ( with the intent to resolve the previous issue ) would automatically be moved back into my XXXX investment account, recreating the original problem. No one advised me of such. After several phone calls and emails, I learned of the problem and made sure the funds were transferred & auto-reinvest was turned off. On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate provided an expedite # XXXX. On XX/XX/XXXX, I was able to verify via the PNC website that the funds were successfully & permanently transferred to my base XXXX account in order to provide sufficient funds for the requested return. On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate provided another expedite # XXXX. I requested to have a manager contact me and provided my cell phone as the associate stated he did not have access to my original application information. On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate stated that no forms were on file to request this return of funds. I explained that I have two fax verifications of the submitted forms, one for XX/XX/XXXX & one for XX/XX/XXXX. I also offered to fax again or email. He declined. I requested to have a manager contact me and provided my cell phone. No manager has contacted me after two specific requests.
Company Response:
State: NC
Zip: 27614
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: " Regarding your assertion that you were informed that there is no record of the promotion, PNC does have an ongoing promotion with XXXX XXXX. In order to qualify for any PNC promotion with XXXX XXXX, the application must be submitted using the link associated with the offer on the XXXX XXXX website. As stated in the previous responses, your application was submitted through pnc.com, where no promotions were being offered at the time you applied. '' First of all.. " Regarding my assertion that I was informed that there is no record of the promotion ''?? Um, no. I WAS informed that there is no record of the promotion. Previous responses on record show that ... " At the time of the application, PNC has no record of a bonus offer being presented to you. '' So, yeah ... Second of all, you want to talk about assertion?? My " assertion '' was correct. You and the rest of your gang over at the Executive Relations Team, really seem to maintain " your '' assertion, that at the time of my application, PNC has no record of a bonus offer being presented to me ... Well, due to you foolishly releasing this new information about an ongoing promotion with XXXX XXXX, you basically just ratted yourself and the others out that you all have been lying regarding " your/their assertion '' for the last 6 months that you had no promotion going on!! So, thank you XXXX, for admitting that you've had an ongoing promotion with XXXX XXXX. Sreenshots attached will show that I've had Credit Karma since before I even opened up my account with PNC, and also that I've been receiving emails from them well before that. Clearly, I don't save them all. Didn't think I ever needed reason to. If I kept every little email I receive, my inbox would be too overwhelming. But, thank you for refreshing my memory as to where I found that promotional offer. Regarding you and your colleague 's assertion that my application was submitted through XXXX, prove it ... If you can't, then it is required that you credit my account accordingly, as per the UDAAP and the DoddFrank Wall Street Reform and Consumer Protection Act. Your collegues previously told me over the phone that I needed to show them the email where the bonus was promised to me. It should not be expected of me to prove that I submitted my application from a XXXX XXXX email. Sorry, but there was nothing in the email stating, " Warning : Screenshot this email because PNC may not keep their promise of giving you the {$150.00} bonus. '' PNC however, needs to show proof that there was no promotional offer at the time of my application if a customer makes a claim that there was. And after 6 months, you XXXX, have finally admitted that there WAS in fact an offer at the time. So, you've already shown that you all are capable of lying. Now you need to show proof that I did not submit my application via XXXX XXXX. What you people did was wrong. You offered a {$150.00} bonus via my credit monitoring service to reel me in, and then took it away. And what's worse, lied about ever offering it. That is called " bait-and-switch advertising '' ; and not AT ALL in accordance with the UDAAP and the DoddFrank Wall Street Reform and Consumer Protection Act ...
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PNC called me about my 2nd home ... which is in default ... no fault of mine ... I tried to correct the problem but PNC would not work with me. I have a tenant with many children ... who is through XXXX XXXX XXXX. My tenant was to move XX/XX/XXXX ... but Covid-19 hit and we are in a state of emergency. PNC just called me ... threatening me ... ..and told me to evict my tenant in the middle of a global pandemic. Please see my email XX/XX/2020 ... to them ... and asking for at least payments to be deferred to the end of the loan ... as the President stated. To PNC : Good afternoon XXXX I just received a very disturbing call from PNC. We have a global pandemic and PNC just called me about my payments. As of now ... everything is frozen ... no evictions and no foreclosure because of Covid-19. My tenant was to move out XX/XX/XXXX ... but she is through Housing and Housing and our State has put a hold on everything. I have not received a payment from Housing because of the hold. The tenant is still there ... and I will not break the law by evicting her in the middle of this epic pandemic. PNC just told me to evict! Please tell PNC to back off or I will make the phone call very public. I expect ... as it's been stated - that at least 3 mortgage payments can be deferred to the end of the loan because of the global pandemic. Can you please have my payments deferred for 3 months ... as there is nothing I can do to change this situation. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Company Response:
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My husband is in XXXX but has money in his account from work release. He makes my credit card payment of XXXX every month to PNC. The check is sent from a government account on the first Thursday of every month. I have consistently had problems from the very beginning. At first they would send the payment back so it took months sometimes to make one payment. Lately they are holding the check 3 days before applying it to my account. This month its been 2 weeks since the payment was sent and they cant seem to tell me anything. Their systems are not set up to be able to tell me if they receive the payment until it posts, which could be 3 days or more later. I know that payment is there. It has never taken two weeks to apply it to my account and this month is not the time to be holding my money. Now, if they get it posted tomorrow I wont have access until Monday because they dont credit a credit card account over the weekend. Im not sure why they are holding the checks to begin with. Then claim on the bill they deposited the check several days prior to giving me access to it. Something is not right with their business practices with payments that are mailed in. If I made an online payment today, it would be applied to my account tomorrow. I said this to them last month and they told me I was wrong, but Ive made quite a few online payments on top of what my husband pays. If I was not stuck with my husband sending money to this account I would shut it down, because it is so disorganized or unethical, Ive not determined which.
Company Response:
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We applied for the SBA PPP on the first day that the PNC system was accepting applications and was somewhat stable but not functioning 100 %. We spent approximately 4 hours on the phone with PNC tech support to get the application submitted on XX/XX/2020. The email confirmation we received stated that there was no way for customers to inquire as to status. Rather an email would be sent if any additional information was needed. We have received no emails requesting further information. PNC has now provided online access to loan status. Much to our surprise our SBA PPP loan is still " under review '' within PNC and has not been submitted to the SBA. We have an established banking relationship with PNC, yet PNC never submitted our application to the SBA for processing.
Company Response:
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My banks executive office told me they would offer the debit card contactless this year and that they would let me know they never did I just want to know if this is available upon request because my debit card still only has a chip no XXXX symbol they told me a few months ago that they will offer it early 2020 but when I called customer service to ask they dont know what this is unbelievable
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/2020 I applied for PPP with respect to a small sole proprietorship I own. Since I did not have a business banking relationship PNC would not allow me to apply. They said that because I run my business through a personal bank account ( to avoid monthly fees ), I couldn't submit my application online and that they would follow up with an application procedure. This PPP program in the CARES Act was specifically intended to include sole proprietors and independent contractors. PNC never sent me a link to the application for self-employed persons. They never notified me that my application would not be accepted. The only thing that happened was on XX/XX/XXXX they posted a note to their website indicating that if an application wasn't submitted by XX/XX/XXXX would not be funded. This was fraud and discriminatory behavior. They discriminated against small business and minority business owners who are less likely to have business bank accounts.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was charged a XXXX dollar NSF fee in my checking account. Basically, what happened was I thought I only opened one bank account but it turns out that I had opened three bank accounts. This is fine but since I did not know this, I gave the incorrect bank account information for my " growth account '' to my credit card company. PNC then denied them the funds even though they were in the account. I used the bank account information from when I first opened the account as I wrote that down. They should have given me all three bank account numbers when I first opened the account.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A