Date Received: 2019-12-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: PCN Bank, NA XXXX XXXX XXXX, XXXX, PAXXXX XX/XX/XXXX On the date of XX/XX/XXXX my certificate matured ( cert # XXXX ). I called to have my certificate ( CD ) to be closed on that date. I talked to XXXX XXXX and told her to close out the CD. She said she would and would send me a certified check for the amount of XXXX. I never received it. Weeks later I logged on to my online account and found out it was still open, and had a new maturity date of XX/XX/XXXX. On the date of XX/XX/XXXX I was I was told by the Bank to call the Retail Escalations Manager PCNBank XXXX, that it did not receive my certified check. I talked to a XXXX XXXX and he told me he would fix it, and I would receive the certified check, within 10 days. I have still not received the check
Company Response:
State: CA
Zip: 92225
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I opened a checking account with PNC bank online. Automatically, a savings and reserve account were opened as well. On XX/XX/XXXX I deposited a check at my local branch for {$1000.00}, and received a direct deposit travel reimbursement on XX/XX/XXXX. Today, I received a letter from PNC that they are closing my accounts on XX/XX/XXXX and I will be mailed a check for my balance. I called the phone number on the letter and was told " just as you can choose not to do business with PNC, PNC can choose not to do business with you. I could get no further explanation from them for the abrupt closure. They also informed me that they are HOLDING my ENTIRE account balance until they refund it on XX/XX/XXXX. This has to be ILLEGAL! Being denied access to your own money without explanation is egregious. There have been no transactions on my account other than two deposits.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2019 a continuous OD fee of XXXX was applied to my account although my account was positive. My account was negative from the friday before up unitl XX/XX/XXXX when my direct deposit hit my account making the account positive. So on Sunday XX/XX/XXXX I called the bank spoke to a CSR tried to explain the above she said the fee was applied for XX/XX/XXXX on XX/XX/XXXX i said that makes no since because theres a XXXX fee on XX/XX/XXXX she hung up in my face you can hear the phone hanging up. I called back filed a complaint asked for the call to be pulled it is XX/XX/XXXX no one has addressed this issue yet. okay i go into my online account and notice that OD charges came out on XX/XX/XXXX for 3 days as if i never brought my account positive. I called again she saying i had things pending that i cant see my account is negative when the OD charge was applied on XX/XX/XXXX but i cant see. Then after going over common since of this makes no since what do you mean i cant see it why are you seeing different amounts than me that sounds like fraud. she then tells me to go in a branch. I go in to a branch on XX/XX/XXXX speak with a representative we both see what im saying but the branch manager says no she had a XXXX pending charge. I said no the XXXX is an atm withdrawl made at a XXXX ATM I made that withdrawl around XXXX am if my account was overdrawn on the morning of XX/XX/XXXX I wouldnt have been able to make that withdrawl and even after the withdrawl I still had money in the bank. So lets say i did owe you XXXX it was a positive amount i paid the XXXX on so why would fees be deducted on XX/XX/XXXX as if the account was never positive. I said the continuous OD fee must communicate to your system that my account is negative and this was an error causing other things to be reversed and more fees assessed. I would like an audit of my account as far back as 4 years looking into how many times this has happened in the past. and i want a refund of all fees assessed to my account do the error of the OD fee applied on XX/XX/XXXX and after.
Company Response:
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: An authorized payment to my credit card were deducted from my available balance on XX/XX/19 and XX/XX/19. Which also had the funds to cover the payments. However the next day the transactions on the list were rearranged in an order to where the credit card payment deducted on XX/XX/XXXX was reversed and a NSF assessed to it as well. I contacted my bank and they were unwilling to do anything or offer a logical explanation. I have the statements to show and validate my claim. My overall complaint is they rearranged the transactions then reversed a transaction already covered by a positive balance. Then reversed it and assessed an NSF fee to be able to distribute the payment to other transactions to cover them. The bank is PNC. My name is XXXX XXXX. My contact is XXXX and my cell # is ( XXXX ) XXXX. Ive also attached my statement outlining in red the reversal and outlined in blue are the transactions being taken out with a positive balance.
Company Response:
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: *Loan was initiated XX/XX/XXXX by PNC bank *Loan is already existing with company since XX/XX/XXXX as an equity loan. I needed an additional XXXX for roof replacement. * Everything was going smoothly until loan officer said they did an appraisal but only a walk through was actually done. They never did an appraisal I provided them with an old one that was done in the first loan process. * They have told me over the months of this process that they are waiting for the appraisal to be validated ( whatever that means ). It was in the hands of the appraisal and not the underwriter. Which makes no sense because an appraisal was never done. To date I have only been provided one letter that stated I met all the conditions and that my end date for application was XX/XX/XXXX. Which after questioning they told me to not worry about. This whole situation seems to be very unethical and discriminatory based on my race and neighborhood demographics.
Company Response:
State: IL
Zip: 616XX
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I applied for the new PNC card. The offer was 0% on balance transfers AND PURCHASES for 15 billing cycles. I received the envelope in the mail, and I can't say for sure, but the card was lost. I called, they sent a replacement, but said to wait until the new bill came to set up anything since they weren't sure if the Balance Transfer would actually move to the new card or if I had to set it up again. I waited until the balance reflected and attempted to set up my payments. This is a PNC credit card, I have a PNC checking account so it should be easy. (PNC can check my mobile account to show the log ins and attempts to set up payments) I missed my first payment by two days. The balance transfer rate is still reflecting 0%; however, the purchases are now showing at 16.74%. I asked that they reinstate the 0% and waive the fees, but they said that I should consider auto payments. I agree, and will set up, but since this was an error with the initial set up of the account, I think they should at least be more accommodating and just reset the 0% and waive the fees.We use PNC for our non-profit accounts also, they have always been so great to work with. When I mess up, I pay the fees, but when it's honest and just a waiting game to set up payments, they should at least think about their clients in a friendlier manner.
Company Response:
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2019, I opened a Performance Select Checking account with a promotion for {$300.00} after meeting certain qualifications. The terms of the promotion include making a direct deposit {$5000.00} within 60 days as well as 10 debit card transactions within 60 days. I can confirm that I completed these transactions within the 60 day time from of account opening. The direct deposit of {$5000.00} was completed on XX/XX/19 as XXXX funds, which are funds from an outside agency that pays me. After speaking with PNC, they do not know why the bonus has not been posted and can not give a clear answer. I spoke with multiple representatives and the service and responses were non existent.
Company Response:
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2019-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2019, I became aware of a number of fraudulent charges on my PNC card account ( account ending XXXX ) and immediately notified customer service via the 800-number on my statement. After an extensive conversation, in which I identified the several specific fraudulent charges to the assigned agent, I was informed that the account would be closed, a replacement card issued, an investigation promptly conducted, and the fraudulent charges immediately reversed. In the subsequent few days, I did indeed receive a new account number and card ( now ending XXXX ), but the prior account 's balance moved in its entirety the new account number. When there was no further action or contact from the company over the next several days, I reached out a second time to PNC customer service on XX/XX/2019, to inquire as the the ongoing status of the investigation and process. I was informed that things were proceeding appropriately, and I should expect the credit to be issued shortly. After several more days delay with no observable action on the account, I phoned PNC on XX/XX/2019, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number. After a number of delays and transfers, I finally was given access to an agent in the fraud department who took my claim again and promised that this time the process would be properly initiated. She could offer no explanation for why this lapse occurred. I am fairly incredulous that PNC failed to execute the clear and obvious fraud complaint I made on XX/XX/2019 and believe this is a significant failure in their systems. To be required to identify the lapse myself, and resubmit the same complaint a second time, is totally unacceptable and should be sanctioned by the CFPB.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2019-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: With funds available in account I was charged an overdraft fee. This overdraft fee put my account into the negative. Without this fee the next purchase would have also been covered. Now there are two more purchase that posted. These would count as overdrafts. That's two overdrafts instead of four. This is if the money is considered out of your account at posting time. If PNC considers your money out of your account at transaction time the transactions went XXXX, XXXX XXXX, XXXX and then XXXX XXXX. There were enough funds to cover the first three purchases but the fourth bout me over. So only the forth ( XXXX XXXX ) would have been an overdraft. PNC is counting the money out of my account at pending but then again at posting leading to overdrafts for purchases that have enough funds to be covered. If it's counted at transaction time I am owed 3 reimbursements of {$36.00}. ( {$100.00} total ). If it is considered at posting I am owed 2 reimbursements for wrongful overdraft charges ( {$72.00} ). I can not attach any file until I receive my monthly statement.
Company Response:
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2019-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have a PNC Bank Checking account. I went into my local branch and requested a print out of all transactions! The print out from the Bank branch doesn’t properly list the payee with the amount paid from my account.I then contacted pnc/XXXX XXXX who later provided me with an accurate accounting contrary to what my branch did as attached. When I received the accurate accounting I found disputed transactions and notified them.They would not process the disputed transactions because “they were not timely notified. However, I relied on the inaccurate statements from my local branch which delayed my being aware of the disputed transactions!
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A