Date Received: 2019-10-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I posted a couch for sale on XXXX and XXXX XXXX sent me a cashier 's check for {$1900.00}, which was much more than I was selling the couch for. He asked me to pay movers {$1700.00} to deliver the couch to him. I sent {$900.00} through XXXX to him before I realized it was a scam. PNC and XXXX were unable/unwilling to help in any way. The cashier 's check was mailed from a large office building in XXXX XXXX, and used the routing number of a XXXX XXXX XXXX XXXX in XXXX XXXX, CA. The check bounced about a week later.
Company Response:
State: WI
Zip: 53703
Submitted Via: Web
Date Sent: 2019-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-06
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2019 I applied online for a PNC credit card with a 0 percentage interest on balance transfers. I was approved and put in the balance transfer information for 2 other credit cards I have. I kept checking these accounts to see when the transfers went through. After a few weeks I called PNC and was told that it takes 23 business days to go through. I kept checking each day and it still didn't go through. By the way they charged me a fee of {$58.00} on my card. I called them again on XX/XX/XXXX and was told that it wouldn't go through until the XXXX. On the XXXX it still didn't go through. I called PNC again on XX/XX/XXXX and was told it was sent but they don't have any control over when the credit card company it was sent to received it or when they post it. There were 2 companies that were supposed to be sent this balance transfer so what are the odds that neither of them received the money? I was told to wait until Friday and to call PNC back if it still didn't go through and if it didn't that I could stop the transfers and use the 2 checks sent to me with my card to get the money by signing them out in my name. So on Sunday XX/XX/XXXX I checked and the transfers still hadn't gone through and I called PNC again. I told her that the balance transfers still hadn't gone through and asked about stopping the payments and using the checks I had to get the money that way. I was told she could stop the payments and reissue them to the 2 other credit card companies again. That would put me in the same spot I was in. I told her to stop the transfers to the credit card companies and I would use the checks made out to me and pay the balances myself. I was then told it takes about 3 days for the money to be available for me to write the checks to myself and another 10 days for the checks to clear. So now if everything goes right I should have the money by XX/XX/XXXX if she meant just 10 days or if when I call back they tell me that it's 10 business days. Which would bring it to XX/XX/XXXX I think. Oh and also there is a {$35.00} charge for each balance transfer cancellation which she said I should call them and see if I could get that back since I have never received the money. At this rate I will have a payment due before I have even received the money. I can't help but think this is a scam. How can I be expected to make payments on money I haven't received? Also it takes 2 months off the 0 percent interest for one year.
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2019-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: The PNC website advertises a HELOC with a fixed rate lock feature. The advertisement contains a payment amount example and a rate amount with a fixed rate lock of {$50000.00}. When I inquired about this option, however, the Loan officer told me that the best rate was only available on fixed rate locks of {$75000.00} or more. This means the payment amount does not match the rate advertised. This is deceptive as they are advertising terms that are not actually available.
Company Response:
State: OH
Zip: 43206
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have been trying to get this matter resolved with PNC since XX/XX/XXXX. {$8200.00} of my funds from my accounts was stolen and the Branch manager refused to help. Some of the employees changed transactions to cover up the theft because my statements are now inconsistent and I sent a package with evidence of the fraudulent transactions created, however no one got back to me. A XXXX XXXX signed for the package on XX/XX/XXXX. The resolution was closing my accounts and refusing to speak to me. I want someone who will actually investigate PNC 's ethical practices. Because I feel they are committing fraud and theft of funds. I want my money ... and justice!
Company Response:
State: NJ
Zip: 07724
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a PNC Virtual Wallet with Performance Select account and funded the account on XX/XX/2019. PNC was running a promotional offer at the time where depositing {$5000.00} and peforming 10 debit card transaction would result in a {$300.00} bonus. The bonus was meant to be payed out 60-90 days after all conditions were met. On XX/XX/2019 after meeting all requirements I contacted PNC through secure message and asked them about when the bonus would post to my account. On the same day PNC responded saying funds would post in 60 days and to give them some more time. On XX/XX/2019 I contacted them asking for the bonus. Again, I was told to wait a little more time for the bonus to post to my account. On XX/XX/2019 I contacted them asking about the bonus. Now I was told the {$5000.00} deposit I had made does not qualify as it was not a direct deposit of the type they were expecting. At this point in time my money had been tied up with PNC for an extended period of time and PNC had committed fraud - stringing me along for months when they should have made their terms clear back on XX/XX/XXXX. They had access to my funds for half a year. I contacted PNC letting them know this was unacceptable and they brought in their retail escalation department. I had several conversations with a representative ( 'XXXX ' ). After reviewing my case the representative stated that PNC was going to pay the bonus despite not meeting their direct deposit requirement. Some paperwork had to be completed and she would get back to me in a couple of days. XXXX never contacted me again. I left several voicemails asking her to call me back and never received a callback. Finally months later I contact the retail escalation department and a different representative said he would look into the issue. His response after investigation was PNC was not going to pay out the bonus they had promised. PNC seems to have conveniently forgotten the conversation I had with XXXX. Additionally all my secure message correspondence showing PNC fraudulent behavior stringing me along for months has been deleted from my secure message account. Luckily I had the foresight to save the correspondence. I have attached it below.
Company Response:
State: CA
Zip: 95128
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I financed a vehicle from PNC bank, followed there instruction to access online banking and pay installment, i registered and logged in, next day i try to log in it says you need to register a cell phone number, i don't have a cell phone, after that i called the number provided and waited 30 min and since then i been getting transferred and customer service making excuses by drooping the line saying we cant hear you,, worst online banking experience ever, never banking with PNC again, customer service res are rude and even don't know any thing about solution, they keep reading from manuals
Company Response:
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Received Mailer from PNC on XX/XX/XXXX offering {$500.00} bonus for opening a XXXX XXXX XXXX XXXX Link on the mailer was XXXX and took you to this page - https : //www.pnc.com/XXXX XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX The Full terms are present there. Account was opened on XXXX XXXX Contacted PNC multiple times to ask about the bonus and got different answers. First time - No Bonus 2nd Time - {$300.00} Bonus 3rd Time - I asked why is it {$300.00} when I signed up for {$500.00}. Rep then has the audacity to claim " PNC HAS NEVER OFFERED A {$500.00} BONUS IN OUR HISTORY '' and refuses to proceed further. I am at my wits end. I have attached a screenshot of the offer I signed up for below
Company Response:
State: NY
Zip: 11710
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Today XX/XX/19 @ XXXX CST Im at the ATM on XXXX XXXX XXXX XXXX XXXX MO XXXX to deposit my rent money thats due XX/XX/19 I insert my card, enter my pin select deposit, then insert my cash sum of {$780.00} into the atm. The atm shuts down after the window closed where you insert cash. & now there is nothing deposited into my account. The money did not come back to me. IM FURIOUS! 2 PNC employees where there as a witness but couldnt really assist because the bank was closed and they were leaving work. They instructed me to call the number for PNC & escalate clAim PNC TOLD ME IT WOULD BE 10 days for an investigation and I have NO MONEY TO PAY RENT!!! Denominations deposited as follows : 4 XXXX dollar bills 2 XXXX dollar bills 1 XXXX dollar bill 27 XXXX dollar bills
Company Response:
State: MO
Zip: 63137
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2019 2 transactions were pending on my checking account at PNC Bank. I made a deposit to the account but it was only enough to cover one of the transactions. PNC paid the largest transaction first which caused me to be charged 2 Overdraft Item Fees instead of one. This isnt fair. There was enough to cover the smallest transaction but PNC chose to pay the largest transaction first which caused me to be charged 2 Overdraft Item fees. I called and asked for an explanation on XX/XX/2019 and was told that I had to make a deposit to cover both transactions. I asked to speak with a supervisor but none were available, so they scheduled a callback within 24-48 hours. I specifically asked to be contacted after XXXX XXXX because I work from XXXX-XXXX and they had someone call me from a department thats only open from XXXX-XXXX. I called back on XXXX XXXX and was told that the only department that can assist me is open between XXXX-XXXX. I think it is incredibly unfair and deceptive that a bank can choose to post my transactions in a way that causes me to be charged additional fees and then make it inconvenient to speak with anyone who could provide a resolution.
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Applied at PNC Branch for Personal Line of Credit ( Application # XXXX ) XX/XX/2019. Received letter from PNC bank XX/XX/19 notifying me of credit score of XXXX. Underwriters requested my salary and provided it to branch to send. Several weeks followed without hearing anything so I contacted the PNC branch. They were very professional and each time they attempted to learn status of loan they were given the run around by underwriters. PNC claims it takes 10-15 minutes to obtain a personal loan is misleading. I applied 60 days ago and have yet to get confirmation.of loan. I personally feel this was intentional and after financing auto loan along with credit cards do not plan to bank or recommend PNC Bank.
Company Response:
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A