Date Received: 2020-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Im writing this very seriously. I havent authorized PNC bank to obtain my credit report for vehicle loan. I havent filled out any application to PNC bank. I have clearly mentioned lender I do not want PNC. I request you to update and remove hard inquiry which is damaging my score.
Company Response:
State: MO
Zip: 63146
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently had fraud on a bank account, that I have had with this institution for over 6 years. After going into a branch and speaking with a senior banker, about the fraud that occurred I was told that the account will be closed and I did not have anything to worry about. The talk with the banker happened XX/XX/2020 at XXXX and I was given a brand new account number ( called a Virtual Wallet ) and debit card to accompany the account. I walked away as a satisfied consumer until yesterday, XX/XX/2020, when I woke up to my brand new bank account with a XXXX balance and frozen. So I called the customer help line ( XXXX ) at XXXX est, spoke with someone named XXXX XXXX who was only able to tell me that I need to go into a branch. Apparently, the account that had fraud associated with it has not been closed. I was not contacted on my account ( Virtual Wallet ) and funds being frozen and inaccessible, as this is a huge inconvenience for me being the head of household for my child. The bank has not tried to contact me, neither written or verbally, to explain what has happened to my new bank account that I opened. Now, I am without any funds for supporting my child in the meantime ; until I am able to get more information after work. I was misled when I left that branch with my new account and bank number ; PNC is committing legal abuse and has caused severe damage.
Company Response:
State: IN
Zip: 46256
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, my husband and I dined at the XXXX XXXX XXXX XXXX. Our bill came to {$77.00}. My husband and I have two separate PNC accounts. I tried to pay with my debit card, and I was told it was declined. My husband then gave them his debit card. It too was declined. He then used his XXXX Card. The payment was accepted. We both were concerned about our accounts, so we checked and both accounts had the money in the accounts to pay the bill. My husband and I have been back and forth with this bank disputed pending charges for the above amount, and subsequently posted charges of {$77.00}. I had three of these post to my account. My husband had two. They gave us provisional credit for these charges on each account, and launched a supposed " investigation '', but ended up reversing a provisional credit off of each account stating that the vendor stated that they did you the PNC card to pay the bill. We provided my husband 's XXXX card statement and a transaction tape from the XXXX XXXX credit card terminal proving it was only paid from the XXXX card. Here it is XX/XX/2020, and PNC said they are now reversing his provisional credit of {$77.00} stating the XXXX XXXX confirmed that his PNC card was what was used to pay this bill, even though he already provided proof it was not. He went into a branch yesterday and they refused to do anything about this. I worked in banking for 5 years and have never seen a bank pull something like this. This is not their money. This is my husband 's money and he would like it back. Please advise us on what we can do. We feel helpless.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid off my house before XXXX, XXXX with a cashier 's check through regular mail exactly as PNC Mortgage instructs in their payoff letter. In fact, PNC has a copy of my envelope proving that I mailed my payoff before XXXX. In XXXX, PNC deducted via EFT a mortgage payment for my house after it was paid off. When I called to find out why they did that, they said they didn't get my check, so I stopped that check with a {$30.00} fee and started all over with a subsequent amount from a subsequent PNC payoff statement that I mailed on XX/XX/XXXX. Then later in XXXX, PNC says that my first check arrived on XX/XX/XXXX. On XX/XX/XXXX, they sent a letter that my loan was paid off. On XX/XX/XXXX, they sent a letter that I owed {$29000.00} and that it should go to a P.O. Box instead of the street address that the previous payoffs had gone to. When I called to say that I didn't owe them anything, I got nowhere with the agent I spoke with. However, the first time I called in XXXX I had the presence of mind to get a full name and direct # of the person I spoke with. She knew that my loan was paid off, and that PNC 's records didn't indicate that. She gave me the impression that California doesn't talk to Ohio in this firm, which is PNC 's internal problem, not mine. My house was paid off in XXXX and it is now XX/XX/XXXX. I still have no lien release, nor my original note. I have no final statement from the lender showing my loan is paid in full. My suspicion is that this lender claims that payments to them are lost in the mail routinely, to falsely justify collecting extra mortgage payments at the end of the loan. If I had not gotten the name and number of a PNC employee who was sympathetic and knowledgeable in XXXX, I'm sure I would still be trying to make PNC believe that I have paid off my house twice now.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: At the end of XX/XX/XXXX, I opened a PNC Virtual Wallet with Performance Select account online so I could obtain the {$300.00} bonus PNC offered. To receive the bonus, PNC required that the account receive {$5000.00} in direct deposits within 60 days of account opening. Once the direct deposit requirement was met, PNC would deposit the bonus in the account within 60 to 90 days. My account received more than {$5000.00} in direct deposits within 60 days of account opening. It received {$3700.00} on XX/XX/XXXX and {$3800.00} on XX/XX/XXXX. However, my account did not receive the bonus within 90 days of meeting the requirement. On XX/XX/XXXX, I inquired through the help function of the PNC mobile application about why I hadnt received it. I chatted with the representative XXXX. He stated that the promotion was not applied to the account, so I must not have used the correct link to open the account. However, he could not tell me what link I had used. I find it unfair and deceptive, akin to a bait-and-switch, that I opened my account online ( using the requisite Apply Now button at XXXX XXXX XXXX ), but now PNC refuses to follow through on giving me the bonus even though I met their requirements. The best answer they can provide is that I must not have used the right link because the promotion wasnt applied. That is circular thinking and an invalid argument. Clearly PNCs inability to explain why I didnt receive the bonus ( beyond their circular thinking ) benefits PNCs bottom line because they do not have to honor the disclosure. I have no doubt that there are others in my situation.
Company Response:
State: OH
Zip: 44138
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello, I received a piece of mail from PNC bank personally addressed to me, offering a {$500.00} checking reward bonus after signing up and meeting the stated requirements.I have the piece of mail saved and scanned into PDF form ( attached ). I signed up exactly as instructed and chatted with a PNC agent to verify that all my application was complete and eligible for the mail offer. I then completed the requirements that were stated in the time frame required. PNC has not fulfilled their end of the agreement in paying the stated checking bonus. I have not heard anything back from them about this issue. Thank you.
Company Response:
State: TX
Zip: 79407
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: PNC Bank is Manipulating Data and fraudulently reporting items incorrectly which cause consumers to have False information. This is Antitrust and Consumer Fraud by PNC Bank. They report and hold transactions as pending status from 1 to 4 days at times in expectation that the account would be overdrawn and charge overdraft and NSF fees which cause consumer additional Fees with the submitter of the charge. When a consumer makes a Cash deposit through an ATM it immediately becomes available. Which means the consumer can withdraw the funds a minute after since it is available. I strongly believe PNC is baiting consumers to a false sense of security and unconscionable deception. Here is what recently happened that leads me to this conclusion. I made Cash Deposits on XX/XX/2020 to cover items that were being presented for payment and in a pending status. I took screenshot 's with a time and date stamp showing that there wasn't a negative balance and verified the bank balance by getting an ATM receipt of the balance on the account. However, the Cash Deposits even though showing deposited on XX/XX/2020 post on XX/XX/2020 instead of XX/XX/2020 in order to cause pending transactions to Assess NSF & overdraft Fees. I'm also assessed a fee by the other party it was returned to. This is Antitrust, Consumer Fraud , Banking Double Dipping & Data Manipulation. I HAVE SCREENSHOT 'S WITH TIME AND DATE STAMP ( Bottom Right Corner of Screenshot ) AND BALANCE INQUIRY RECEIPT FROM ATM AS PROOF are attached. Thank you, XXXX
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: on XX/XX/20 my account has a positive balance of {$2.00} with 0 pending transactions. the next morning on XX/XX/20 my transactions had been rearranged from biggest to smallest instead of the order they posted in and my account was overdrawn by {$5.00}. i called PNC to get it refunded and put the account in a positive balance but they denied my request to have the fee refunded. fine. i put the account in a positive balance and went on my day. however on XX/XX/20 i had 2 pending charges while the account was still in negative. the credit for my account was still pending and i got charged 2 overdraft fees for the pending charges even though they hadn't materialized yet and even if they had the account would have still been positive.. BUT because the credit hadn't posted yet PNC saw it was me making transactions while negative. I called again to get these charges reversed but the customer service representative told me that a computer makes those decisions and she is unable ( unwilling ) to escalate it and would not let me speak to a manager.
Company Response:
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2020 I was the victim of a scam, I was buying a boxer puppy from who I thought was a breeder out of North Carolina. We exchanged multiple emails and a contract. I thought it was legitimate. They asked for payment through XXXX, which is available through my PNC Bank app, leading me to believe I would be safe. I transfered {$650.00} to said breeder and within 12 hours realized it was a scam, no puppy, not even a breeder. I immediately called PNC Bank 800 # for customer service, told them it was a scam and I want my money back. I was told they couldn't do anything while the transfer was still pending, I was instructed to wait until it posted and then they could file a dispute. I called back at XXXX the next morning and filed my dispute. I received a letter today saying the transfer was valid and processed correctly. They won't do anything. I am furious that I am supposed to be able to trust my bank and I am getting zero assistance in this matter.
Company Response:
State: MI
Zip: 49401
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: either pnc credit card remove my email address or close the account. how manny more times need i repeat this? i am not a compliant robot. get a robot not me if pnc wont take out my email address. no text. no email. everything by paper and by call. all calls recorded. dont like it get another custommer. write a response now by paper. Pnc keeps emailing XXXX but pnc has been repeatedly told to delete this email address because it is not working and unwanted. If pnc wants to deal with a compliant robot let pnc get another customer or maybe some sucker in a third world country. Remove this email address. Only send statements by usps mail. I have no cell. If pnc requires a cell close this account. I can not buy a cell and wont. Let pnc get another customer. I am a noncompliant customer. Want a robot pnc? Get someone else., take this email address out now. Your PNC credit card statement ending in XXXX is available. Credit Card ... XXXX Statement Date : XX/XX/XXXX Sign on to Online Banking at pnc.com to view your statement. Thank you for banking with PNC Bank. This mailbox is not monitored. Please do not reply. Account-related questions can only be answered via secure forms of communication such as our Online Banking Message Center. Please sign on to send us a secure message. If you would like to speak to Credit Card Customer Service, please call XXXX ; 24 hours a day, 7 days a week. For Business Credit Card Customer Service, please call XXXX ; Monday through Friday XXXX to XXXX ET, Saturday & Sunday XXXX to XXXX ET. Visit pnc.com to view our privacy and security policies. XXXX The PNC Financial Services Group , Inc. All rights reserved. : : ( N )
Company Response:
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A