Date Received: 2019-09-18
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I requested an international wire transfer of {$9000.00} from my account at PNC to a relative in XXXX. I presented the financial adviser at PNC with a detailed printout of instructions including the IBAN and Swift codes of both the intermediary and beneficiary bank as well as addresses and account numbers. The adviser assured me everything was input correctly. After a week of the other party not receiving the funds, I asked my branch if everything was ok. They told me to wait. After three more days, I told them to trace the funds. They were unable to get a response and told me to continue to wait. After another week of waiting, I was able to piece together that the Swift codes were transposed. I brought this to the attention of the branch manager only to learn that they had known this for a week and had tried to correct it without notifying me. However, the beneficiary bank will not respond to their trace/recall and I am being told they can not refund me the {$9000.00}.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2019, I attempted to cash out {$32.00} from a XXXX XXXX account I had set up. After entering my PIN number I was prompted to identify my bank. I felt this was unusual so I started the process again. After several attempts I XXXX XXXX XXXX Customer Service and a XXXX XXXX number came up as a customer service number for XXXX XXXX. After speaking to the individual, we engaged in a series of questions involving the credential of my account. The individual indicated that he would have to access my phone to see what I was seeing. Once this took place and I entered my PIN a series of transactions begin to hit my PNC account and within two minutes I was receiving calls from PNC and my checking and savings account had a XXXX balance. I continued on the phone with this person for another 30 minutes as he assured me these were random test amounts. I walked to the closed PNC during this phone call which was located on the corner of XXXX and XXXX XXXX, XXXX. Washington DC. A bank customer service rep took the phone and immediately detected it was fraud and discontinued the call. She also noted my account of the call. A fraud report was issued with the bank. XXXX XXXX did not respond to any emails sent to the company by me and informed the bank that I did have a XXXX XXXX. Needless the say the bank informed me on XX/XX/2019 their investigation found the charges valid and debited my account {$1200.00}. This is the amount removed from my account. Their response was due to the fact XXXX XXXX confirmed I had an account.
Company Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: To whom it may concern I tried solving this matter with Pnc but it could not get done I have previously disputed a purchase transaction of XXXX at XXXX store and the money was at first given to me as a temporary credit and than Pnc took the money back and caused me to have my account negative and overdrawn. I called them And explained them the situation and how things happen that day the representative at XXXX was very busy. And wen it was my turn I paid with the Pnc card and than ask the guy to dont process it on the card that I would pay cash apparently it was already to late and the payment was taken cash and the representative said I would get the money refunded that never happen. Now Im overdrawn and I did contacted XXXX and they said they will contact me. That is not fair I paid cash and the money on the card should have been refunded back to my de it card. But nothing happen, I am experiencing a very difficult financial hardship situation at this time since my grandmother had a recent expensive XXXX at high cost and medications at high cost and I have no money left to cover the overdrawn fees I attempt to deposit a check and that still caused me to get my account overdrawn some fees were adjusted but new ones appeared as of yesterday of XXXX even. I am very broke and this fee would not have been here and could have been avoided if XXXX would have been responsible nor Pnc wished more time while XXXX credited the money back but they did not and this caused me to have fees un wanted fees and overdrawn fees. I need it those XXXX for my grandmothers medications and now Im unable to purchase them because I had to deposit the funds to cover the XXXX before it hit a new overdrawn fee. And it did. I need it that money for my grandmother medication I dont know what can happen if I dont get her medications as I have no money left to do so my grandmother health is at a risk of getting worse or complicating her health without the medications need it. Pnc gave me a hard time and the representative too as I tried to explain.
Company Response:
State: IL
Zip: 60804
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: DISCRIMINATION AND HARASSMENT BY PNC CREDIT CARD SERVICES 1. I posted an on-time payment on XX/XX/XXXX per billing cycle date, of {$300.00} 2. The card was declined today around XXXX XXXX EST, for a {$110.00} charge, approx 3. I called PNC card services at XXXX XXXX approx & was informed that the system showed a wrong bank account # was used to make the XX/XX/XXXX payment, with an account # ending in XXXX, whereas the account is stored in PNC 's pay by phone automated system, with no manual entry of a bank account being required or made, for the {$300.00} payment. 4. PNC 's system reflects an on -time payment for the {$300.00} due, as made by me on XX/XX/XXXX. recording the on time payment of {$300.00}, PNC being unable to process the payment and charging me a late fee of {$27.00}, with the Customer Rep 5. XXXX XXXX - Retail Escalation Manager - refused the reversal of the late fee of {$27.00}. 6. Interest rate APR was also increased without prior notification. In XX/XX/XXXX the APR on purchases was 17.99 % & was increased in XXXX to 18.24 %, whereas Fed Prime rate has stayed the same at 5.5 % from XXXX XXXX XXXX, currently LOWERED to a rate of 5.25 %. SUMMARY : PNC Bank utilized intimidation, discrimination and Harassment to violate my Consumer Rights, in blocking my use of my PNC Visa Card AND Blocking Access to my Transaction Records, Online AND by phone. Remedy : - Reinstate FULL Account Access, Refund the Late fee of {$27.00}, and Reduce the APR to the 14.75 % that I originally had, when rates were HIGHER thank they are now. **** I have EVIDENCE of the statement above, with screen shots of the on time payment, late fee and blocked access to transaction records. I, XXXX XXXX, certify the above statement to be true and as occurred. Sincerely, XXXX XXXX
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We are in the process of purchasing a home and using PNC Bank for our mortgage. We are supposed to close on XX/XX/XXXX however, on XX/XX/XXXX, we received an email from the mortgage loan officer stating there is likely going to be a delay in our closing. This delay is the result of PNC requiring a 2nd appraisal because the home is a " flipped '' property. This information was not disclosed when initially applying for the loan, nor was it addressed until the first appraisal came in ( at agreed up sale price ). While FHA loans require this additional step, conventional loans do not have any " anti-flip policy. '' Not only are we finding out 2 weeks before we are supposed to close that we must have this 2nd appraisal, we are also being told we must pay for the appraisal ourselves. For FHA loans, the buyer can not be the one to pay for the 2nd appraisal ; it must either be the lender or the seller. Furthermore, had we utilized a different lender, we would NOT have been required to perform a 2nd appraisal ( this was confirmed through our realtor who discussed it with one of their commonly used lenders ). Given that the rule is " the lender is responsible for ensuring that the subject property provides adequate collateral for the mortgage. XXXX XXXX requires that the lender obtain a signed and complete appraisal report that accurately reflects the market value, condition, and marketability of the property, '' we are requesting that the lender be responsible for the payment of this lender-specific 2nd appraisal. If they would have disclosed this information at the beginning of our process, we would have been able to move on to a different lender. However, now that our credit scores have already been pulled, and we are two weeks out from our closing, we are stuck in this situation. Despite providing information to PNC in regards to the responsibility of this 2nd appraisal cost, our mortgage lender has made it clear they will not cover this expense and we will be required to pay for the subsequent, lender-specific, appraisal.
Company Response:
State: PA
Zip: 17022
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This morning I checked my account at PNC Bank and saw a withdrawal of {$100.00}, which I knew nothing about and did not authorize. I called the bank about it and they said that they did the withdrawal and placed the funds in another account that my social security appears on. I AM NOT THE OWNER OF THAT ACCOUNT! That account is owned by by XXXX XXXX, and my name is on there just for oversight. I have NO MONEY, NOT EVEN TO BUY FOOD, because PNC illegally withdrew my money to put into another account I dont own, and which is overdrawn only 17 days! The Bank claims they are doing whats within their rights but its not true. The bank exercises collection right AFTER 30 DAYS OF A NEGATIVE BALANCE. That account was overdrawn only 17 DAYS, and does not fall within the time frame for collection activities. Also, Ive had transactions coming in on my account before, and didnt have enough money, and the other account had money but PNC have never taken money from that account to pay anything for me, they returned my transactions and charged me fees, so how is it now, that they can take money from my account to that account, when they have never done that when my account couldnt pay transactions??? Also, IN THE SPACE OF 17 DAYS, THEY HAVE CHARGED FEES ON THAT SAME ACCOUNT IN THE AMOUNT OF {$240.00}!!!! SEVENTEEN DAYS!!! {$240.00}!! Which includes {$7.00} PER DAY EVERYDAY! The fees that PNC Bank charges, needs to be investigated! Its robbery!
Company Response:
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: ON XX/XX/2019 I WAS TO RECEIVE INTO MY CHECKING {$4000.00} ACH FROM TAX REFUND. SEE ATTACHED.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2019, my mother passed away, unexpectedly. As she did not have a will and her estate was well under {$100000.00}, I was able to fill out a Small-Estate Affidavit pursuant ot 755 ILCS 5/ART. XXV of the Probate Act, Illinois compiled statutes, as amended by Public Act 98-0836. I had the affidavit notarized at the XXXX County Court House in XXXX, Illinois, on XX/XX/2019. I then took the affidavit to the PNC Bank branch at XXXX XXXX XXXX XXXX in XXXX, Illinois, in order to close out her account so that funds would be available to pay her remaining bills and funeral expenses. The funds, in her account, are as follows : {$10000.00} in checking and {$1100.00} in savings. I was told that the affidavit would be submitted to their legal team for review and the funds would only be released once approved. I waited until XX/XX/2019 to contact the bank again as I had received no response. I was told that the affidavit needed to be updated to include the exact amount of money in each of her accounts so I did as instructed and submitted an newly notarized copy to the PNC Bank branch XXXX XXXX XXXX XXXX, XXXX, Illinois, on XX/XX/2019. I waited until XX/XX/2019 and contacted the XXXX branch as I had still not received any communication from PNC and was told that the documents were still under review. I then contacted PNC Bank on XXXX ( as I could find no other way to contact them ) and was told I would hear something within two days but as of XX/XX/2019, I have heard nothing. In the meantime, my mothers accounts are accruing late charges and I am unable to even purchase a headstone. This is unsatisfactory and I feel PNC Bank is unlawfully holding her accounts in violation of 755 ILCS 5/25-3 ( recovery upon refusal to pay or deliver ). I would seek the assistance of an attorney, however, I am unable to afford such.
Company Response:
State: IL
Zip: 61611
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Since opening my loan with PNC Bank they have failed to correct an underwriting issue regarding my auto loan. For over a year and a half I have been denied access to online banking, requested said access due to an admitted underwriting error from PNC at the time the loan was created. I have tried to resolve this dozens of times, since the first payment due for the auto loan over a year and a half ago. Dozens of calls, visits to the branches, and each time it was not resolved and/or followed up. I am not able to make any payment unless PNC calls me directly, past the due date of the loan. I can not go into a branch, call in, or go online because of the underwriting error. Each month to lead borrower and co-borrower information are either mixed, out of organization, or incorrect. This leads to an impact on each borrower 's credit, including a direct impact across the entire credit portfolio for incorrect debt-to-income information. Furthermore, the flip flopping of information prevents either person from being able to make a payment via phone, online, or in branch. This compromises credit standing, and account standing incredibly. On XX/XX/XXXX at XXXX EST, I called in to PNC Customer Service XXXX place my payment. I was told that sensitive information such as my social security number, date of birth, and linked bank account were not matching records. I spoke to a " XXXX - XXXX XXXX XXXX '', who consistently brushed off my complaint about the handling of my account, and PNC ignoring my request for their underwriting error to be fixed. XXXX continued to request personal information from my co-borrower, which had never been needed making any prior payment. I consistently told XXXX my issue, she told me she wouldn't be able to help without the information. I asked several times to speak to a supervisor, she refused. I asked to be transferred to someone other than her, she ignored me several times before abruptly and rudely placing me on an endless hold. PNC has compromised my, and my co-borrowers sensitive information. Furthermore, their continued mishandling of not only my account/loan, and refusal to properly address it has compromised my financial budgeting and puts my, and my co-borrower 's credit standing at risk, at no fault of our own. As i already had an account with PNC bank, the auto loan was sold to me as an " easy '' venture and I chose and trusted PNC with this because of our already-standing relationship. They have been misleading, deceptive, and outwardly rude in handling my matter, showing no effort or interest into fixing my issue. My issues go beyond customer service, they go beyond compromising credit scores and account standings, they go beyond protecting sensitive information. I called back in to PNC around XXXX EST and spoke to a supervisor by the name of XXXX XXXX . She was able to access my account via my Auto Loan number and saw the error of information, such as social security numbers, being mixed up. She admitted that this was " ridiculous '' and " unacceptable '' and understood how this could impact our credit. She also told me that I had been assessed a {$25.00} late fee each month of my loan, which was never told to me before. XXXX escalated me to their Executive Client Relations and filled it with their legal team as well ( Ref : XXXX ). XXXX closed by admitting that the error made it impossible for anyone to make a payment on time, saying she would be furious as well. PNC has flagrantly violated my credit and account, assessed late fees that were not communicated or warranted, and did irreparable damage to the borrowers
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have been struggling with PNC Bank and there ridiculous overdraft fees and nonsufficient funds fees. I have paid in excess of {$1200.00} in fees due to Payday loans ACH and automatic withdraws that I had asked to stop payments on. They said that it was not possible to stop these payments when I had asked before. But after doing some research, I discovered that I had been opted out of their overdraft protection feature by default after I had asked if there was a way to stop automatic withdraws and them telling me no. Had I been made aware that this was an option this overdrafts fees and insufficient fund fees would have never been inflicted sending me further into the red. I have made several calls and spoke with PNC asking to overturn the overdraft fees but they only have an allowance of 1 {$36.00} fee to be overturned. I have paid 15 in the last month, this is just another classic example of a big bank taking the consumers hard earned money unjustifiably to add to their 8 % of annual revenue in overdraft fees.
Company Response:
State: OH
Zip: 45242
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A