Date Received: 2020-01-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have made several attempts to get my account on a positive balance, however, the bank has a practice where the delayed the posting of my funds which is Hundreds of dollars on fees. Just today I requested the bank to opt me out of any draft fees, however this was requested months ago. Im you said and XXXX options through my employer which is XXXX, XXXX XXXX with the funds are immediately available, however the bank is taking 2 to 3 days to actually post the funds
Company Response:
State: OH
Zip: 43223
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: PNC sent me a flyer advertising that if I opened a new checking account and made direct deposits, they would give a {$500.00} new-account bonus. I opened the account and made the direct deposits. I chatted with representatives on more than one occasion, and they told me the direct deposits qualified me for the bonus. After several months, no bonus was paid. After chatting again, I was told they couldn't find the {$500.00} bonus promotion, but they had a {$300.00} bonus promotion, and I still qualified. After another couple months with no bonus, I chatted with PNC to find out what happened, and they tell me I don't qualify for the bonus because I didn't have the right kind of direct deposit. This is infuriating. I could have made other direct deposits if they told me previously that my direct deposit was not the right type. I asked EXPLICITLY about this, and the entire conversation was documented in their customer-service chat logs.
Company Response:
State: VA
Zip: 22033
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/2019, we contacted PNC Bank to inquire about refinancing our home mortgage. The loan officer, XXXX XXXX, assisted us with the application. During the process we questioned Mr. XXXX regarding the need for an appraisal ( an additional {$910.00} free ), since the loan amount was less than 50 % of the value of our home and we had been advised by other lenders, that it wasnt necessary under those circumstances. There were errors and omissions on the first application, dated XX/XX/2019, so we contacted Mr. XXXX and asked him to make the corrections. Again, we questioned Mr. XXXX regarding the need for an appraisal informing him that the two other mortgage lenders we had contacted told us that an appraisal would not be necessary. Mr. XXXX continued to insisted that an appraisal was necessary. On XX/XX/2019, we agreed to pay the appraisal fee after Mr. XXXX proposed that PNC would refund {$500.00} when the loan was completed. On XX/XX/2019, we were contacted by XXXX XXXX, regarding the errors and omissions on the loan application. He assured us that the errors would be corrected and that the omission of my wifes federal pension ( {$2200.00} ) would be included. We also questioned Mr. XXXX about the PNC Bank requirement for an appraisal. After speaking with Mr. XXXX, some corrections to the application were later made, while others were not. The most important omission, the federal pension income was added, but the problem of transposing my wifes and my phone numbers was not. This meant that each time we tried to use XXXX we had to exchange phones. Another error, the over estimated that value of our home, was not changed even after we made the request to do so.
Company Response:
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I deposited a check for {$1000.00} into by checking account at PNC before the next business day cutoff time. I was not notified of any holds placed in this deposit. The full amount of my deposit was not credited to my account to cover items presented that night which resulted in an overdraft fee. When I contacted the company I was told their policy was to only credit {$100.00} of any deposit made towards items posting that night and the remainder of the deposit posted the next day. How can they hold funds without notice? Why should they have a standard policy to not fully credit funds to their customers accounts until the following day? This policy is obviously in place to cause overdrafts and generate fee revenue and hold funds to make additional float in it. Its an unfair practice to place on consumers and opposite if any other bank that I know.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I opened an account at PNC Bank in XXXX, PA. The initial deposit was approximately {$3200.00}. Between the opening date and my departure to XXXX, no other large deposits were added. Upon arriving in XXXX, I opened an account at a XXXX bank. Prior to my first paycheck, small deposits via XXXX ( {$100.00} - {$150.00} ) were deposited to my PNC, which was linked to XXXX. I believe maybe two or three. Again, no large deposits or withdrawals. On XX/XX/XXXX, I informed PNC that I will be traveling to XXXX with a return date of XX/XX/XXXX. Their representative informed me that I would have to inform them every 30 days that I remain out of the country. I made a call to PNC on XX/XX/XXXX to update travel notification. Upon arriving in XXXX, I received two deposits ( {$100.00} & {$150.00} ). I returned back to the states on XX/XX/XXXX, for the upcoming holidays. I visited a PNC in XXXX, NJ to exchange Euros for dollars. At that time, I was informed by the teller that my account had a " hold '' status. I telephoned customer service and spoke with XXXX XXXX. He informed me that someone called PNC on XX/XX/XXXX regarding a {$1000.00} deposit that was not in the account. PNC provided a provisional deposit of {$1000.00} and on XX/XX/XXXX those funds were withdraw. Immediately, I informed them that I did not make such a request. An investigation was initiated. Mr. XXXX informed me that a HOLD would be placed on the account and to destroy my debit card. On XX/XX/XXXX, my parent informed me that a letter arrived from PNC. Again, even after the HOLD was supposedly added to my account, PNC allowed another individual to call regarding a {$1000.00} deposit. PNC provided another {$1000.00} provisional deposit. These funds were withdrawn. Now, PNC is attempting to hold me accountable for monies that they freely dispersed. The balance on the account should be no more than {$10.00}. PNC did not ask any verification of information for the imposter to PROVE that they were me on the other end of the phone. They did not ask for birth date, address, social security number, and or mother 's maiden name. They just dispersed funds freely. What has annoyed me is that they did it a second time after a HOLD was placed on the account!! I have telephoned on XX/XX/XXXX, spoke with another representative, XXXX, that informed me that fraud was " all over '' the account. She, herself, could not understand it. She wrote up a Security Incident Report, # XXXX. I did not get such a report when I spoke to XXXX XXXX on XX/XX/XXXX. This is disgraceful. I am left to believe that these fraudulent transaction are actually being done " in house ''. Why would they issue another provisional {$1000.00}?, especially if the account has a HOLD on it!
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank took over the servicing of my loan. I was required to set up new online information, which I did on XX/XX/XXXX. All login, password, pin and security question/answer information were noted and filed. On XX/XX/XXXX attempted to login and was told my information was incorrect. Called PNC Bank Mortgage and was told my account was locked. With PNC representative on the line I went through the process to reset my information. After completing I continued to get an error message saying the reset was not working and to call PNC customer service ( of which I was on the line with ). She then told me my only remedy was to send a new pin in the mail which would take 3-5 business days. Then I would have to start from the beginning with this process. In addition, I asked for my latest statement ( of which I was trying to access online ) and was told they could only physically mail it or charge me {$15.00} to fax! Just a total fee grab. Email or texting was not an option which is absurd in addition to the fact the customer service team ( whose number appeared in the error message! ) could not even solve my issue and their only solution was to physically send me a code to reset my information and start all over. Now I sit waiting 3-5 days to access my information. PNC Bank Servicing my loan has been terrible.
Company Response:
State: TN
Zip: 37215
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Pnc has charged me hundreds of dollars of fees for low account and overdraft balance that have been a constant management problem as I use the app for daily account management but the app is not always reflective of up to date records. Now i have close to XXXX in overdrafts and constant fees being charged back to back to back.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I was about to change my bank from XXXX XXXX to XXXX XXXX. I closed my Visa credit card with XXXX XXXX. There was no outstanding balance. I do not carry running balances. The credit limit was {$18000.00}. Shortly after this, PNC Bank sent me an approved Visa Card with an {$18000.00} credit limit. I did not ask for it. I did not activate it. I do not have a banking relationship with PNC. I have since cancelled the card. Yet, when I applied for a credit card and requested the same credit limit, I was denied. I checked my credit report and found that, though my credit rating score was about 820, the PNC card was listed. This prevented me from getting the card I wanted from XXXX XXXX ( only a {$3500.00} limit ). The banker at XXXX XXXX told me that it is illegal for a bank to send a card that affects my credit without my having asked for it. Them doing so, affected my ability to get the credit I was seeking.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2020 and numerous other occasions, PNC Bank has aggressively charged our business checking account overdraft fees of {$72.00} on XX/XX/2020, when as of XXXX yesterday XX/XX/2020 our account balance was {$8.00}, and we were charged the 2 overdraft fees this morning, yet there were no transactions that should have made the account go under the {$8.00}. PNC has done this on a continuous basis, and it seems that if the account balance is low, their computer systems are programmed to aggressively set up the opportunity to charge the overdraft fees. We have been charge upwards of {$1000.00} in overdraft fees, and we feel at this point it is because of their system. I reached out to retail escalation rep XXXX XXXX, who has offered to give some of previous funds back, but has failed to do so. At this point we are going to terminate our business relationship with PNC and are searching for an attorney to look into this matter.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My PNC checking account ending in " XXXX '' was debited TWICE, once on XX/XX/XXXX and again on XX/XX/XXXX for {$1900.00}. The first auto transfer of XXXX IS NOT SCHEDULED and was linked to a old business account ending in " XXXX ''. PNC allowed our non-profit to link to personal accounts. Under the old " XXXX '', there was a $ XXXX monthly transfer scheduled to come out XX/XX/XXXX. That account was terminated by me and PNC informed me that all banking would cease including scheduled transfers. So I scheduled the {$1900.00} under ONLY my personal account for {$1900.00} to be withdrawn on the XXXX of each month. PNC did not remove/cancel the old transfer as I was told so there were two transfers, one illegal.. I contacted PNC customer service and left the conversation highly underwhelmed with NO RESOLUTION. I need answers for this not to happen again.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A