Date Received: 2019-11-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I moved from XXXX to XXXX, and in doing so would no longer be using PNC bank. There is no physical location in XXXX and it would be inconvenient to use. I had to keep the account open after my move to get the final direct deposits from my employer in XXXX. Upon knowing I would have no more money moving into the account, I emptied the account to {$0.00}. I then received a letter in the mail dated XX/XX/19 stating that my account was overdrawn. In looking at my account, it was overdrawn because PNC charged a monthly fee of {$15.00}. I had never had a monthly fee hit my account during the 5 years of using PNC. I called PNC on XX/XX/19 to close my account and was told that I could not close the account until it was brought to current status by making a deposit. I was literally in shock to find that the bank would charge me for having an account with nothing in it. While the customer service representative I spoke with on the phone was very nice, I was informed that to speak with a supervisor about this I would need to escalate my complaint and they would call me back in 24-48 hours. This was completely unacceptable as I was trying to fix this situation and was only told it would be dragged out. I understand being held accountable for overdrawing my account, however I did not overdraw my account. In an attempt to close the account, I was told this charge was valid and could not. I don't feel this is how banks should operate and want my account closed, as I will NEVER use PNC again. The policy that they have in place regarding this predatory and harmful to the consumer.
Company Response:
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On Or Around XX/XX/2019 I Filed A Dispute for the following XXXX Purchases Screenshots will be provided. And Or About XX/XX/2019 I Received the following documents from my Bank PNC NA Stating the Transaction Is Valid Under state and federal Laws if a merchant does not meet a agreement or criteria such as honoring a promised refund It Does Constitute a valid Transaction i was promised a Refund from two XXXX Employees XXXX and XXXX And was never Recieved which would break the transactions Validity And the pnc mercananct agreement between PNC And Third party XXXX Screenshots will be provided failure to Make temporary credits permanant may Result in a lawsuit under state Guide lines in Magisterial Court under my Belief of wrong doing. I Request pnc cease and decist the Amount being put back on the account at which phone calls where made and was told. This documentation was revieved.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for {$24000.00} at the ATM of the PNC Branch at XXXX XXXX XXXX, XXXX XXXX PA on the morning of XX/XX/XXXX. The ATM gave an error that it could not complete the transaction, but did not return the check. I spoke to the branch office 's Branch Sales associate XXXX XXXX and Branch Manager XXXX XXXX, who said there was nothing they could do and stated it was the ATM vendor 's problem.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had an account that was scheduled to be charged off that I had never received a notice for neither by mail, email, phone, or text alert for {$99.00}. PNC cleared my checking account in the amount of {$62.00} to cover part of the debt that was owed leaving a {$36.00} balance left to be paid. I informed PNC that I will have a direct deposit coming in on XX/XX/19 that can cover the remaining balance. The representative informed me that they will hold off on closing the account so the debt can be settled. PNC closed the account on XX/XX/19. When I noticed the account disappeared from my mobile banking app, I called PNC again on XX/XX/19 to make them away that the funds will be coming to the account the next morning, the representative I spoke with said to call on Friday XX/XX/2019 and they can transfer the funds to my active account. I called someone this morning XX/XX/2019 and they spoke to me and said the funds have posted and call back at XXXX to have them transferred. When I called back at XXXX, I was informed that they could not move my money until Monday afternoon because they haven't posted the funds. I am ENRAGED being that I have to pay rent and take care of a child and I'm set back {$620.00}.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/19 my on-line in child support information was compromised and money was stolen from my account with my knowledge. I didn't realize the money was taken until XX/XX/19 when I went to use the card and check my balance. XX/XX/19 I filed a dispute with XXXX service and was told the investigation would take 45 to 90 days to resolve. Over the 90 day period I periodically checked on the dispute. At the end of XXXX I recieved a letter stating I wouldn't be getting my funds returned and I need to take the case up with my local law enforcement agency. I initially did that in XXXX, but didn't hear from anyone after I filed the fraud report. So it's XXXX and I'm following up with the original case with the detective who investigated the fraud. I was told that the XXXX lives in Maryland and I would hv to go there to sue them. I hv tired to reach out to PNC bank on several occasions about this issue and there customer who stealing money but can get any help because I'm not a customer with there bank. I do understand what they're saying, but the officer didn't gv me a name of whose account my money was transferred to. He just gave me the state location which is Maryland ( no city ) which by the way I live in Georgia. So now I'm stuck calling different agencies and getting help from Legal Aid and still can't recover my fund. {$1200.00} is a lot of money to me and it's sad that people dont care whether they stilling it from your children or whomever. I can't even let my child money sit and accumulate on his card for him to utilize because of people like this ( who chose to hack accounts and steal money ). But I'm hoping I can get this situation rectified soon cause this is really starting to get to me. If I hv to go to Maryland to sue that person that's what I'm gon na do, but I wish the agencies that handled fraud and the police departments would do there jobs more thoroughly this is ridiculous ... I need my childs money back. If you hv any other suggestion please contact me. I'm going to continue to pursue this until it right. I dispise cheaters, liars, and thieves ... their a the same and should be working for any government agencies.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Hello, I have been a PNC Bank customer for over 10 years, maintaining a checking account and a savings account. A few months ago, approximately XX/XX/XXXX, I noticed service charges being deducted from my checking account as my balance went below the {$5000.00} required minimum. Upon further review of my account, I noticed my account went below the minimum starting XX/XX/XXXX, and PNC Bank has been charging {$25.00} a month on my checking account till date. A total of {$370.00}. In fact, the charges resulted in my checking account going down to XXXX balance and PNC started taking funds from my savings account for the monthly service charges. In XX/XX/XXXX, I called PNC customer service to fix the issues and potentially get the bank charges waived. After spending over 30 minutes on the phone with the representative, she told me she did not have the authority to waive the charges and I have to call on monday. She offered to change my account type to stop the bank charges which I agreed to. I called PNC on monday and I got the same response that the charges could not be waived. This was also after being put on hold for another 30 minutes. During the call, I found out the representative I spoke with the previous day was a supervisor and could have processed a fee waiver. On XX/XX/XXXX, I checked my account again and noticed the bank charges were still being deducted from my saving to payoff the charges in my checking account despite my account type being changed to stop the charges. I called customer service to resolve the problem but they hanged up on me. I called PNC again this time to close my account and relationship with PNC. The representative put me on another hold for 30 minutes till they hanged up on me. I called again for the 3rd time on XX/XX/XXXX, only to be told I can not close my account because there are some pending charges on the account. I want to formally file this complaint with the CFPB so PNC can refund the bank charges of {$370.00} or part of it. The bank charges applied to my account were unfair, deceptive, and abusive, especially after my account type was supposed to have been changed so avoid the late charges.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a PNC Bank Rewards credit card. I called their customer service department to request a lower APR interest rate. I was told by the agent on a recorded call that my APR would be reduced 6 %, effective my next statement. Upon receiving my next statement there was not the promised APR reduction. I called in to PNC back asked to speak to a supervisor to lodge a complaint. I spoke to a supervisor who said they would pull the call, listen to the call and see if they could help me. Today I received notification from PNC bank that they were unable to offer me the 6 % APR reduction that I was promised on a recorded call. I asked for a copy of the call with the agent and was denied. I am filing this complaint as this is very deceptive and dishonest. I was promised a 6 % APR reduction by the PNC bank agent, and come to find out this will not be the case .... Please help me with this matter, Very truly yours, XXXX XXXX
Company Response:
State: WI
Zip: 53095
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I've mailed in by certified mail a COPYRIGHT CLAIM AFFIDAVIT to which PNC BANK has not responded and XXXX continues to report on my credit profile in DIRECT VIOLATION OF THE DODD FRANK ACT, FCRA, FDCPA and several other consumer protection laws.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was a victim of a scam on XXXX marketplace. I purchased an item that was from a member whos account was not real. I had never used this means of purchasing before. I was told this was thru XXXX goods and services. When the transaction came thru, it stated goods. After I paid {$300.00} the profile was deleted and I never received my purchase. I was told that XXXX couldnt do anything and the transaction was paid via XXXX XXXX XXXX, therefore they couldnt do anything. I contacted my bank and disputed the transaction. The representative processed it incorrectly and was told this would take 10 days, not ten business days. I called 2 separate occasions. The last I was told a decision had not been made. This was incorrect, as I was denied due to the first representative incorrectly disputing the charge. I called another time and was told by the PNC representative that I was given incorrect information, and a new dispute was entered, however, due to their error, it would take 5 days and not 10 business days. I asked to speak to a manager, and was given to XXXX because she would have other solutions for me, other than waiting this time. XXXX then came on and stared she had no options for me and that her employee was misinformed. I was called today by another individual whom stated it was 50/50 that I would receive my funds back. This man was rude and hung up on me once he completed his necessary information
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: DEPARTMENT OF JUSTICE [ XXXX Order No. XXXX ] Privacy Act of 1974 ; System of Records Pursuant to the provisions of the Privacy Act of 1974 ( 5 U.S.C. 552a ), notice is given that the Department of Justice proposes to establish a new Department-wide system of records entitled Correspondence Management systems ( CMS ) for the Department of Justice ( DOJ ), DOJ/003. Most components of the Department maintain and operate their own correspondence tracking systems. There has been no change in the operation of component systems. Rather, this notice of a new system of records replaces most Privacy Act notices already published by components for existing systems, and it also provides notice for components that have not yet published a notice for such records. Because this is a Department-wide systems notice, it is broader than most correspondence tracking systems operated by individual
Company Response:
State: LA
Zip: 70560
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A