Date Received: 2023-08-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I will like to report an incident that occurred today when I received a phone call from PNC despite several written demand letters to stop efforts to entrap or bullying tactics with full disclosure of wrongdoing. They have also openly refused orders to wire money into an account no less than XXXX separate filings of letters of demand. ALL ignored. This encounter was by far the most disturbing yet and paints a sickening picture of PNC 's continued exploitation of women in the workplace as pawns to exploit women who are or were customers. It was a line crossed when it became that I did not stick to the script she was given but told the entire story knowing there was obvious staging. What the bank forgot is there would be no change if it was the truth and there was none. I sensed quickly however that she was never made aware of the 'investigation ' claimed looked into nor was she expecting a detailed breakdown of their own letter. The clear assumption was I did not read what was written because that was what she was told. Once broken down step by step her fear was evident of a setup. The setup was evident, should PNC deny it was by the word-for-word recital. It was in short an insult if after all this time not XXXX considered it would be committed to memory being female. Standard fare as these types of institutions claim diversity in letters but female execs typically are never COO, CFO or CEOs. Prior to this incident, a reasonable ratio of male to female reps was spoken to. After, the number fell to XXXX while misleading info meant subpar service and hangups from other women. It became uncomfortable and bizarre to be ostracized for an internal disservice because more time was spent diffusing situations than solving them. I felt empathy for this representative as her tone showed she had no idea of the details. The actions that PNC deliberately employed with consistency was to continue to keep money that is not theirs to keep. At no time did any effort include a resolution if problem checks were sent twice. They simply wanted to know what I knew because of persistence. No male would have been subjected to such indifference this long. ; I was simply tossed aside and never gave up and now had to tell THEM what to do as more agencies became involved. They had proof of disability and cared not because I was born with the wrong parts in their minds. It is unbelievable contempt shown towards women that did not falter despite the fact the third party was male. How can it be explained as anything else? I am here to tell my experience as it happened. because it affects everyday life and is not confined to an event only It was fruitful in XXXX aspect despite its negative portrayal in that it shows PNC never read my letters or investigated a single claim. They were sent copies of the checks more than once and allowed it to be resent not corrected. They were also alerted of the health toll in writing, the financial strain placed on not XXXX but a party who did not bank there and even made aware that I had to appoint an agent when adverse health was a consequence. Instead, calling several times showed a total disregard of my health with full disclosure income is 100 % SSDI. Income is still not received though mentioned in every demand letter. PNC deliberately acted with impunity and in calling flaunted both the law and my rights under ADA as in most correspondence they were given accounts and routing in a reasonable request for transfer of funds due to limited mobility. In all initial contacts there was ready agreement that was then instructed by senior personnel to be denied then was mailed uncashable checks that affected newly opened accounts. It is clear what the intent of PNC is and I refuse to participate in deceptive business practices through continued mistreatment of its female staff. It was an unforgettable experience to hear how shaken this representative was at the realization of the deception that has forced this penning of PNC 's continued behavior and while customer service experiences are often frustrating, this is a very different situation someone was thrust in and can cost them their livelihood. To think that PNC never considered the stress that may be placed on this person once disclosure was divulged knowing my attention to detail to save their skins was my breaking point. To never consider that employees may have personal issues not known to you because of a desire to spin the story in your favor said it all. I will like to notify CFPB that I have XXXX records despite submissions that deliberately encrypt the incriminating activities sent by PNC after a long search.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I have been working with PNC Bank since XX/XX/XXXX to get Hardship/Forbearance for the two Home Equity loans ; XXXX, XXXX. I was informed on XX/XX/XXXX that I could not get forbearance of the loans from PNC Bank. I have been working with the North Carolina Home Owners Assistance Program, XXXX and XXXX XXXX, XXXX XXXX since XX/XX/XXXX to remedy the payment of the two Home Equity loans : XXXX, XXXX. I still have a case pending with the North Carolina Home Owners Assistance Program, XXXX XXXX, Case Manager. PNC Bank has refused to assist me with the Hardship/Forbearance for the two Home Equity loans ; XXXX, XXXX to date. I have received several packages from PNC Bank citing filling out applications for Hardship/Forbearance for the two Home Equity loans : XXXX, XXXX on several occasions. I sent in Hardship/Forbearance application packages on XX/XX/XXXX and XX/XX/XXXX to PNC Bank Loan Dept . My two contacts are XXXX XXXX and XXXX XXXX @ XXXX ext. XXXX. The PNC Bank address is : PNC Bank, XXXX XXXX XXXX, XXXX, OH XXXX. I am currently unemployed and can not send payment for the two PNC Bank Home Equity loans : XXXX, XXXX. Can you please provide assistance with the two PNC Bank Home Equity loans : XXXX, XXXX? See latest correspondence with PNC Bank on XX/XX/XXXX : Dear XXXX : We are in receipt of your email and attachments. At this time, we are unable to provide you with detailed information via email. If you need additional assistance, please call XXXX and follow the prompts. XXXX XXXX on behalf of XXXX XXXX. PNC Bank Phone : ( XXXX ) XXXX Fax : XXXX Email : XXXX PNC Mortgage XXXX XXXX XXXX XXXX, OH XXXX
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX around XXXX XXXX EST, I send in a check to my Local PNC Bank Branch that was fake. It was scammed by someone via email who was offering me a remote Data Entry Operator job. This scammer mailed me several fake checks that I initially had no awareness of their validity. The first check total to {$6800.00}. Also, due to the scammer tricking me into buying multiple XXXX payments, I lost a total of {$11000.00}, with XX/XX/XXXX adding in the last additional loss in damages. It was not until late at night at around XXXX PM on XX/XX/XXXX was I given an email that my account was now in Low Cash Mode. This was naturally due to the scammer tricking me to use up all my money within my checking account. However, despite already informing all parties relating to each specific ATMs I used, as well as contact the Ohio Attorney General and filing a claim towards the FBI about this scammer, the PNC Bank where my account resides, made no attempt about informing me regarding the fake check or made any attempts to raise suspicion relating to the transactions. Especially when it took less than a day to process the fake check and see if the {$6800.00} was transferred into my account, that made me assume I had all available funds thanks to the Scammer, had my bank account contacted me about the forgery, my savings would have likely been prevented early on. Also, the scammer lied about paying for uber if it means being able to get payments.
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: On or about the time and date of XXXX, PNC Bank was contacted by my person to ensure the transparency of a transaction involving a Negotiable Instrument. An electronic communication was established with PNC Bank in order to transact using the instrument in question. After sending e-mail communication, I was informed as a consumer that a deposit of the Negotiable Instrument in-question, could be processed at the local PNC branch located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. This local branch does not handle bank transactions exceeding {$50000.00}. However, PNC XXXX Bank made clear, that submission of the negotiable instrument for transaction could be processed at a local branch. Prior to presenting the Negotiable Instrument in drive-thru, I had informed the PNC bank officer, XXXX XXXX , that the instrument was in transit for analysis prior to submission for process. There was no follow-up communication provided from PNC Bank to ensure that analysis of the instrument had initialized, prior to contacting my person in real-time. The instrument was processed by the local branch with local branch work-product ( all media processed in the local bank, [ situated at the local branch cashier cage ] ). This assessment was not conducive to the instructions provided in the memo of the instrument used in contract, thereafter, the instrument was processed with regular work from the cashier operation area at the bank ( as determined by the copy of the instrument sent to my person by postal mail ( Dated XXXX ), after the incident in question transpired at the local branch ). The PNC location in question processed the instrument presented without notifying my person that offer, agreement, and acceptance was acknowledged. The instrument was processed as a Check, which clearly conflicts the terms, conditions, and instructions submitted beneath the memorandum section of the Negotiable Instrument in-question, where identified legal language is present stating Reference prepaid personal item ; exchange acknowledgement Void Where Prohibited by Law This draft is an offer of tender and discharges the obligation per, UCC 1-103 , 1-104, 3-603 ( a ) ( b ) and Public Policy House Joint Resolution 192 XXXX XX/XX/XXXX. In the event that the instrument could or could not be processed, I should have been provided an explanation as to how that could transpire via compliance, regulation, or other binding legal authority and whether I could retain my property back without further incident, in the event that transaction could not be processed. This did not occur and it is for this reason, I am presenting cause for complaint before your office and request formal investigation by your staff. Upon receiving an official letter from PNC Bank dated XXXX, a copy of the instrument processed by PNC was mailed to my home address. The copy indicated that the instrument was indeed processed as a check on the date aforementioned herein ( XXXX ). At the top-right/ front-side of the instrument there is a stamp indicating service by the bank, beneath this is a description from the bank stating This is a LEGAL COPY of your check. You can use it the same way you would use the original check. Beneath this message is administrative explanation for not fulfilling transaction in accordance with the instructions provided on instrument, per, RETURN REASON-N ALTERED/FICTICIOUS. I will also note that before the transaction at the local PNC bank occurred, I was already contacted by the PNC XXXX Bank and informed that PNC XXXX Bank staff would assist me with my banking needs presented. Thereafter, I was informed by XXXX XXXX that the minimum amount in order to transact within the PNC XXXX bank was {>= $1,000,000} dollars. However, the amount of funding on the instrument in-question exceeds that standard by XXXX times the amount, a XXXX Account was established, which should have allowed availability of funds. The communication by the Relationship Strategist was assessed prior to PNC bank providing endorsement of the instrument as shown in the attachment ( furnished for review ). Communications as described herein are attached for review for attachment to complaint, and verification of fact sequence in construct of complaint. Closing questions : Why did the PNC branch location issue a stamped endorsement to the credit of the payee, yet not deposit the funds appropriately? ( See also the reverse side [ for confirmation that transaction was mishandled, and funds misappropriated, absent a Good Faith measure ] ). In addition, the reverse side of the copy of the processed instrument, indicates that there were other subsequent transactions processed as it pertains to the immediate matter-in-question. Where is the negotiable instrument involved the instant complaint? Why has the bank confiscated my property without lawful authorization? are both relevant questions. On the date of XX/XX/XXXX, there was a telephonic communication with PNC Branch Manager, at XXXX XXXX Branch, XXXX XXXX, which stated that the instrument was processed as a check, in addition, the branch manager informed me that the instrument was now property of PNC bank ( even though there was at no time a hand-to hand exchange of the instrument presented in transaction to authorize said reference ), and would not be returned to my person. After the incident in question, my PNC bank accounts were closed without any basis as to why, when the primary matter-in-question was pending a very significant deposit as displayed on original instrument used in transaction. This is a clear breach of fiduciary responsibility of PNC Bank. At no time did I ever or would I ever agree to the business practice encountered by this financial institution. Legal questions continue to exist as to how this may have transpired. Why couldn't Section 4A of the U.C.C. be acknowledged, per, governing claim of bank negligence related to electronic transfer given the local branch had access to wire instructions ( See also attachment ), It is not commercially reasonable, per, U.C.C. 4A-201 to fail to acknowledge security procedures in the transaction described in complaint, even though instructions were provided in memorandum on negotiable instrument. This item should have been acknowledged in legal language provided prior to transaction. The presence of the XXXX XXXX XXXX emails identify familiarity in the function requested as similar to other Private XXXX Account holders in said XXXX XXXX, ( U.C.C. 4A-202 ( c ) ). The bank was contacted to rectify this incident numerous times to no avail following this incident. The instructions on the negotiable instrument, in concert with XXXX XXXX communication articulate what the proper fund transfer should have been executed, per, U.C.C. 4A-104 ( A ) U.S.C. under title 5 has also been breached in that my privacy is now somewhere at-large due to the business practice of PNC Bank . It is a relative consideration that this matter is observed as time-sensitive in categorization. There are on-going closures of PNC banks throughout the country due to undisclosed reasons made to the general public. Albeit, this concludes the formal complaint-in-chief as it relates to the incident experienced via the transaction involving PNC Bank.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am a victim of harassment by parties who have access to my personal information.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Initial claim against PNC filled on XX/XX/XXXX. XX/XX/XXXX - PNC called asking us to make a payment. Since we no longer have access to any of our old accounts, we requested a full detail of deposits and withdrawals. XX/XX/XXXX - received documents of all past accounts with balances only. No details provided regarding all of the deposits from our employment direct deposits over the last few months. Therefore, we have no way to verify the exact amount left on our account. XXXX - XXXX ( needed to make work arrangements to arrive late due to PNC employee regular schedule of office hours XXXX - XXXX, M-F ). Set up appointment to talk to XXXX XXXX, PNC executive client relations. At XXXX am, " XXXX '' called, stating XXXX had phone trouble. We were told we would need to make another appointment if we wanted to talk to XXXX. " XXXX '' stated PNC would not remove any type of hold or negative denotation until we paid $ XXXX they are stating we owe. She stated PNC will not do anything further regarding how the employee/teller accepted, cashed, deposited, and cleared our check twice without proper endorsement ( XXXX ). PNC is not taking any responsibility for wrong actions taken by it's employees. These actions are the ONLY reason any of this happened in the first place. PNC is also not providing details of our account deposits. We, the consumer, are the only party involved in this situation sufferings any consequences. Our credit scores have dropped over 200 points, we had to max out all of our credit cards, we lost car insurance, we can not open a bank account at any other bank, we are being reported as frauds.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Lost or stolen check
Subissue:
Consumer Complaint: On Saturday, XX/XX/XXXX I withdrew {$14000.00} in the form of a cashier 's check for the purpose of paying a deposit for my wedding venue with the intended recipient being the owner said venue ( XXXX XXXX XXXX ). I placed the check in a sealed envelope in a public USPS mailbox near my house in XXXX on the corner of XXXX and XXXX XXXX on Sunday, XX/XX/XXXX ( the next day ). I was informed about a week later that the check never made it to the intended recipient, and after contacting PNC, learned that it had been fraudulently cashed or deposited by XXXX XXXX on Monday, XX/XX/XXXX with the recipient as " XXXX XXXX ''. It was concluded that it had been stolen from the public mailbox and forged with a new recipient name. I had a case opened by PNC 's fraud department and was assigned a case worker : Case worker : XXXX XXXX Case number : XXXX Reference number : XXXX Dispute number : XXXX We were instructed to sign an affidavit with the receipt from the cashier 's check attached, which we signed and mailed on XX/XX/XXXX. We were assured that we'd get our money back, and informed that typical turnaround for cases like this was up to 120 days. I reached out several times over the next few months with no meaningful update. I filed a complaint against PNC with the Office of the Comptroller of the Currency, and promptly received an update in early XXXX that PNC had contacted XXXX XXXX to confirm the fraudulent activity, to which they had heard no response. In the 5 months since this update, we have reached back out to PNC at least 5 times to learn that there had still been no response from XXXX XXXX to their request for confirmation of fraud. I have tried to contact XXXX 's fraud department, but was unable to get very far without a contact number or case worker. We were told by a representative at XXXX 's fraud department that it is incredibly unusual for a case like this to take this long. I have written to the Office of the Comptroller of the Currency to reopen the case against PNC and to file a new complaint against XXXX. I contacted PNC again and learned today ( XX/XX/XXXX ), that they plan to reach out to XXXX once again. It has now been 1 year since this unfortunate event, and there has been no resolution.
Company Response:
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: As PNC claimed falsely that they addressed the matter before in a move to avoid culpability I am filing a NEW reason to hold this institution accountable. In fact, PNC was asked to MAIL THE STATEMENT AS REQUIRED BY LAW UNDER FOIA. They did not. They were also asked to send a wire transfer and given the bank info deposit account. THEY DID NOT. They then 'claimed " the matter was previously filed when it wasn't because they are well aware that the CFPB lacks the resources top scrutinize every document. I am also sure they hoped that I will not follow up on their response. At the very least they are more guilty than ever and thankfully the police as time goes on, will see how they manipulate the system. To address their claims 1. THEY DID NOT ADDRESS ANY OF MY CONCERNS about DISBURSEMENT AND CLOSED THE MATTER MAKING FALSE ALLEGATIONS they know will not be validated or verified 2. DOCUMENTS PNC in what can only be called deceptive business practices, did upload without my contact documents of statements from XXXX. EXCEPT the XXXX were in the correct PDF format. The rest that included the period in question were intentionally encrypted, as not PDF, and could not be viewed. That means if later down the line it can be, one can reasonably assume alterations took place. That said, and what I am sure will be to their surprise, it was more than enough to clear my name and prove libel did happen. The sheer audacity is conclusive, they do NOT encourage diversity and most certainly are VERY aware of how to manipulate the system to suit them and failed 3. LETTERS OF DEMAND. PNC again claimed falsely that complicity occurred when it was anything but. What happened was stonewalling through internal emails. Once I recognized their response was unethical, I contacted the OCC about their response and requested record checks as well as informed them of a new filing. I was told they submitted an answer today. They were also told I am doing a NEW complaint as the collect letters keep coming in. PNC has NOT complied NOR addressed a single point in the letter including : ( a ) Despite given the info, no wire was received and PNC continues to deny access to SSDI income in violation of my reasonable accommodation request ( b ) ) PNC were also refusing to comply to a hard copy request of my statements for the period as claimed ( c ) PNC closed the dispute by claiming they addressed the previous issues falsely. They have instead done nothing but commit more crimes by intentionally sending the SAME checks after XXXX already deemed in WRITING they are altered 4. PNC 'S RESPONSE. Despite the deception now downloaded that demonstrates clear intent, the account in question, through THEIR own statement was a RESERVE account with NO OVERDRAFT PROTECTION. That statement was XXXX PDF statement. As it is their doing, PNC, overconfident that playing with the lives of consumers past and present is a sport, and certain it was safe to send only these in the correct format of PDF has inadvertently PROVEN employee fraud. And evidence of it can now be third-party and the best witness of indisputable character is CFPB themselves. One can be assured nothing else needs to be done after this by me but I will continue my civil obligation to the public at large and not back down. 5. Harassment. PNC based on the above and continued refusal to comply with both letter and law is engaging in a cycle of destructive intentional behavior. They have attempted to malign my credibility with allegations of their own. One caveat ; NO ACCOUNT CHANGES FROM RESERVE TO PRINCIPAL ( direct deposit included CHECKING EVER! And I will add I have confirmed with the employer that no change request took place. The XXXX therefore that is on this account is conclusively false on MY END. It is a fraud! They have continued to lie and worse, could simply have wired to money owed, including an additional XXXX XXXX unsent transfer and the matter would have been resolved. INsted they CHOSE slander but I am certain they have no answers for how my account staements for that period has TWO DIFFERENT statements for the SAME time period despite their efforts to hide the evidence. Who changed the reserve? Not I. There are only two options. The coverup covered up nothing when it is you posting it for the world to see what happened had to be true. The funds withheld therefore also prove bias. I suggest strongly you now cease and desist your continued choice to be prejudiced. It is an ugly engagement of PNC 's lack of decency toward the customers reading this 6. PNC themselves have proven who has been telling the truth and who is lying. Keep in mind they, not I closed the accounts. There was never any money in that account up through as they said in submission XX/XX/XXXX. They closed my account on XX/XX/XXXX too soon for any direct deposit change of account aka XXXX to XXXX as checking nor is there any paperwork supporting any changes made. Or do I not know my own account? Enough is enough! Therefore how did a reserve with XXXX overdraft protection get overdrawn? I hope PNC is proud of the havoc they have done as they continue to lose face while with INTENT, lie, withhold income and now VOLUNTARY show evidence themselves of their own computer/civil trespass though clearly not aware of the significance. I WAS DISCRIMINATED AGAINST and no printing of policy can dispute it. They could and should have tried to resolve it instead of changing my bank records only to expose the change. I can say that was satisfying and hope others also persist when wronged to stand their ground. 7. PNC INTENTIONALLY has refused to deposit MY money in violation of XXXX SEPARATE DEMAND LETTERS issued unlike their claims sent. 8. DISBUSEMENT. PNC, in its letter closure, has given what was most important. They have upheld my integrity by not addressing the most serious allegations including : ( a ) The checks they mailed were authentic ( b ) XXXX XXXX amount of {$250.00} was in fact returned after sent XX/XX/XXXX according to XXXX XXXX ( c ) wire transfers could NOT be done and that was why they did not comply ( d ) no crime was committed and the routing/account IS the one on ALL checks I received prior. ( e ) There was no trespass They have stated only what I alleged but failed to address a single claim made as untrue. It is a most glaring omission that leaves nothing to be said. Establishments would have fought vigorously if they truly believed I was slandering the business and PNC 's repeated failures to deal with the matter, only repeating my claim can not be more clear. It also shuts the door on it now being addressed at all if not defended at any time over the last XXXX months. Understandable when paragraphs one AND two detail the CORRECT accounts and MY claim, paragraph XXXX, bank policies, though none were observed, and XXXX, nothing at all. Again false if the checks were resent in my previous complaint and NOT corrected, what is XXXX is the crime itself. You easily could have resolved the matter with the correct numbers as requested TWO DEMAND LETTERS AGO. You resent the SAME checks, you failed to address the checks in the first complaint which prompted a second so the claim is an outright LIE! You callously displayed ethical crimes and ADA ones as well then brazenly claim they were addressed while still continuing to address nothing. How this bank can think prolonging these complaints will make them look anything but guilty is dumbfounding but it is exactly what they are doing while exposing their practices to more and more people. It is a belittling of the public at large as XXXX when the public is paying their salaries. It's a blatant insult but underscores how workplaces allow with escalating regularity, gross employee misconduct by failing to swiftly act to protect their customers. What is demonstrated is they act to protect the employees only.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have contacted PNC 7 times to report fraudulent transactions on my XXXX account. They responded telling to call XXXX because its not the bank 's problem. I called again to explain it was their responsibility and XXXX doesn't take responsibility over it. They had done investigation and told me it was my fault for the fraudulent transaction. There was XXXX {$1000.00} transactions to XXXX XXXX and XXXX {$650.00} to the same person. Total of {$4600.00}
Company Response:
State: OH
Zip: 45241
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I am filing this complaint because I still have not received funds back that were disputed with BOTH PNC Bank and XXXX which totalled {$26000.00}. I have notified both companies in a timely fashion, have initiated disputes through proper channels with both companies ( to the effect that they would allow it, please refer to the information below about XXXX preventing me from completing disputes in a reasonable manner ), and finally have submitted my disputes to both companies in writing ( these letters I have enclosed with this complaint ). While PNC Bank has corrected the unauthorized debit card transactions, they have failed to correct the XXXX transactions. Perhaps because they are expecting XXXX to act, which to this date, they have failed to even respond to my complaints. These XXXX transfers from my PNC Bank account I did not authorize from the beginning of XX/XX/XXXX until the end of XX/XX/XXXX, with a total of {$26000.00}. A detailed record of these transactions directly from PNC Bank statements is enclosed. My account information was never voluntarily shared with anyone and the use of my device was not voluntarily given to anyone. These transactions are in error because they were not authorized transactions. To the best of my knowledge, the fraudulent activity was made possible by and began after completing a device swap of my cell phone with an identical phone under my phone warranty program. At one point, these devices had all account details stored and I suspect some fraudulent interception transpired. I cant say for sure, and I have no way to prove who I think did it - but the bottom line is that these transactions were not done by me or authorized by me. In XXXX of XXXX I was forced to close my two retail stores at the onset of COVID by the town in which my original store had thrived for XXXX years. XXXX month later, despite the fact that I complied with their directive to close up shop, the town punished me with a one-year revocation of my business license for staying open. Another month passed and out of nowhere, my commercial landlord conducted an unlawful eviction of my business from the property. To this day we are still in litigation. Like many people, I lost my source of income, but in my particular case that was just the beginning of the end for me, my family, my legacy, and even just the basic dignity of human expression and American freedom. Its beyond words how it feels to go from $ XXXX in sales per month to being forcibly stripped of your lifes work and in less than a year find yourself homeless. Part of coping with all of that is I got to a point where I became accustomed to having nothing and fell out of the habit of staying on top of stuff. So when I received a large settlement from when I was hit by a car, I just deposited it all into my PNC account and didnt think much of it nor monitor it in any way that would alert me to the initial fraud that affected my bank account. I brought it to PNC Banks attention immediately when I did notice it, and I was given the impression by PNC Bank that they quickly investigated the matter and returned the stolen funds. I thought that put an end to the misuse of my money through my account. Because a new card was issued by PNC, my old one was canceled, I was assured by PNC Bank that they had thoroughly addressed the problem, and reopening my business was still months away ; it seemed like it was safe to just let my settlement money sit and continue living frugally. Within weeks, however, my PNC bank account was suddenly emptied of more than {$35000.00}, evidently through XXXX transfers transpiring after I thought the situation was resolved. Before reaching out to XXXX or PNC Bank, I sought out a solution with the merchants that processed the unreasonable volume of transactions but they would not refund the money. I then notified XXXX support directly and tried to initiate disputes but XXXX support refused to process the disputes unless I completed several steps ( XXXX ) for each transaction ( XXXX ) individually- which was cumbersome and unreasonable ( XXXX total actions, XXXX per transaction = XXXX hours ). I repeatedly asked for alternative ways to report the fraud through the XXXX system, a phone call, or even the postal service and I was unequivocally told by XXXX support that their dispute process of each transaction, one at a time in the app was the only way to notify them of the fraud and dispute the transactions. Obviously, this wasnt true. I believe the additional transactions related to XXXX have been improperly denied by PNCBank. Neither company has provided a provisional credit nor communicated to me that I needed to submit anything in writing regarding these XXXX transactions. From what I understand, PNC Bank and XXXX got together and have decided that the transactions were valid based on prior account activity. The possibility of similar prior transactions with the same or similar merchants does not constitute proof that these transactions were authorized - especially when said prior activity consists entirely of transactions PNC had already concluded were fraudulent in the original partial investigation of the first set of unauthorized transactions. If you look at my account history before the settlement, my spending habits were not at all reflective of what transpired during the period these transactions took place. Upon request, I can also provide the 5 years of business and personal accounts I maintained before I lost everything to COVID which will further prove my point. There appears to be a range of various violations by PNC Bank and XXXX of the The Electronic Fund Transfer Act ( EFTA ) and Regulation E after I had given both XXXX and PNC Bank timely notice of the fraud. PNC Bank seems to have taken XXXX stance about these transactions, while XXXX appears to have closed my XXXX account as some type of retaliation for getting PNC Bank involved. For these reasons, I am submitting my complaint to the Consumer Financial Protection Bureau.
Company Response:
State: CO
Zip: 80033
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A