Date Received: 2019-09-09
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 XXXX XXXX my Employee requested the card information for a payment for supplies. At that time I sent information to XXXX XXXX the card information, by error I sent the Card information to both XXXX XXXX and XXXX XXXX due to a prior text within the three of us. I realized I sent the card to XXXX XXXX and I sent a text immediately after I sent the Card info DO NOT USE THIS CARD. XXXX XXXX than stated what card cant receive pic. I have all text correspondence. On Monday XX/XX/XXXX I notice multiple unknown, and unauthorized pending transactions in my account. I called customer service at PNC and they stated that it was from XXXX XXXX Mobile. I disputed the cards after the transactions were cleared as instructed my PNC customer service. On XX/XX/XXXX I filed a Police report with the XXXX XXXX police department of fraud on my Card in the follow amounts ; {$1500.00}, {$760.00}, {$1000.00}, {$2000.00} for a total of {$5300.00} against XXXX XXXX. I have made a sworn statement under oath that I did not authorize and of the above transactions. I instructed XXXX XXXX he had no authorization to use my Card with the account end in in XXXX. I have the following text correspondence stating ; XXXX XXXX returned the funds ( but he did not ) XXXX stated that he can not get pictures of my card, That I never authorized payment and that XXXX XXXX authorized charges ( which he did not. ) PNC preformed a very hasty and poor investigation of a large amount and has not advocated and has not protected my company against fraud. I called 10 times to speak to an investigator on this matter and have not spoken to anyone. No documents or police reports were reviewed.
Company Response:
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I DID NOT SEE PROPER PRODUCT OR SERVICE TYPE WHICH APPLY TO MY CAUSE. 1. XX/XX/XXXX my bankruptcy I filed for bankruptcy ( Chapter XXXX ) 2. While my bankruptcy had been in full effect, payments plans had been ordered by the Bankruptcy court/Trustee Office. 3. I never miss a payment 4. XX/XX/XXXX, I received notice that PNC had filed a Motion to have my Chapter XXXX plan dismissed or discharged 5. I continue to pay my mortgage payments while the lawyer ( supposedly ) forth against the PNC proposed motion. 6. I continue to make my mortgage payments. 7. XX/XX/XXXX, I received letter in the mail that my bankruptcy was dismissed. 8. PNC and trustee 's office mailed back to me my last payments 9. I learned from the Trustee 's office ( have voice recording as proof ) that there was a court date which would have addressed PNC ' Motion, but I was not made aware of it and neither my lawyer nor PNC lawyer showed up for that court date. 10. Because no one showed up at court, my case was dismissed. 11. XX/XX/XXXX, I received a letter from PNC that they received my letter to redeem my home and they would get back to me in about 15 days. 12. XX/XX/XXXX, I was evicted from my home. 13.XX/XX/XXXX, PNC Mortgage reversed my VERY active bankruptcy back to foreclosure.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: PNC bank put me in a fee generating account two years ago without my knowledge and has been charging me {$13.00} a month for the last two years. I believe it all started when I visited a branch and one of the tellers tried to up-sell me into an interest checking account. I told her that I wasn't interested because I don't keep enough of a balance to cover the minimum they were demanding. The teller must of done it anyways because I just noticed that I have been getting charged {$13.00} for nearly two years. I didn't realize they were charging me because I don't look at my statements often enough, because this is NOT my primary use account it's only a backup account for me. I immediately called them to complain after realizing this and they were accusing me of being negligent. I provided them statements showing that before the fees were bing applied, my account was a free checking account and I asked them to provide me the evidence that I chose to convert it to this new fee account. They refused to discuss the issue and told me to just close the account if I wasn't happy. I believe that the teller from my visit may have converted my account to meet a quota and never expected me to find out because I don't check the account often enough. All my attempts to reach their corporate office were met with them refusing to admit their mistake and greed attempt to capitalize from my account. I am left with only this option and I hope that it gets somewhere.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: I had refinanced my home and paid off my mortgage with PNC mortgage on XX/XX/2019. I was unable to stop my bill pay, although I had forgotten to do that then. On XX/XX/2019 an automatic payment was sent to them in amount of {$700.00}. I called them to make them aware of the error. I was to.d that they did get the check, but that they had to hold it for 6 days. Why, I asked? It isnt yours to hold, and I dont owe you anything. I was told it was to make sure I had the funds to cover the check?. What? You plan to cash my check? I requested that they simply return the {$700.00} to my PNC checking account. There should be no waiting as the sending and receiving bank was the same bank! Just verify and return ... .click, click, done. For me a 10 day wait is detrimental. I am on a fixed income and this just screwed up my budget royally. I tried several times to stop payment but screen went gray n locked as soon as I hit thr stop auto pay button. So I just deleted them from my list of bills. Why did they need to keep my funds when they were drawn on their bank?
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was purchasing a phone on XXXX XXXX for a reasonable price. It was listed under sellers that can ship section on XXXX so I went ahead and contacted the seller. After agreeing to a price and shipping location and method of payment I transferred the money via XXXX which seemed to be safe since it was backed by my bank and found in my Banks app. After that, the seller said she would ship the item the next day. She never sent me a tracking number, then she stopped answering my messages and now blocked me. Now I am out of my money and have no phone. The transfer via XXXX happened on XX/XX/19 for {$300.00}. The description of the transfer included a Note : XXXX XXXX XXXX XXXX like new. The {$300.00} was for half of the total price of the phone. The other half would be sent once the phone arrived.
Company Response:
State: PA
Zip: 16801
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: The purpose of this communication is to make PNC Financial Services Group , Inc., CFPB, FDIC, XXXX, as well as any other party aware of the events my wife and I experienced including fraudulent bank charges, negligence, unacceptable customer service and the creation of bank debit cards in me and my wifes names without expressed consent. Also we believe there is the possibility that PNC never closed our accounts as it is XX/XX/2019 currently and my wife is receiving daily checking account balance email updates. My wife and I have / have had checking and savings accounts with PNC Bank. On XX/XX/2019 we discovered a fraudulent charge on our bank account, in the amount of {$200.00}. The charge was from an ATM in XXXX. Over the course of the next few days my wife and I contacted PNC at least 4 separate times both on the phone and at our local PNC officer. My wife, a joint account holder was told on the phone while speaking to customer service that she did not have the authority to take any action on our accounts. As a side bar I would like to add that this is not the first time she has been told that only I, XXXX is permitted to make account changes, which is unacceptable. Each time we contacted PNC, they refused to dispute the transaction until we contacted them again at a further date in the future. When I visited my local branch to dispute the transaction a member of the staff apologized to me for our experience with customer service on the phone, and told me that there is no reason my wife should have been denied access to dispute a charge, however still I could not dispute the transaction. Finally my wife was able to get the charge disputed, and PNC notified her we would be receiving a fraud packet from PNC in the mail. My wife visited the PNC branch and gave PNC a copy of the police report we filed, and later that day we were issued a provisional credit of {$200.00}. My wife and I decided that the customer service we received and the negligence on the part of PNC in their failure to deal with the fraudulent charge with a sense of urgency was unacceptable. We promptly opened a new bank account with a local bank and began the process of moving our funds out of PNC and switching our direct deposits. On XX/XX/2019 the final day we were set to close our accounts with PNC and end our relationship. On this day we learned that additional debit cards had been created under both my name, and my wifes name. We had not authorized PNC to create these cards. We contacted PNC and were told that what we saw online was correct at least 4 new cards had been created. At this point we had also realized we still had not received any fraud packet from PNC. Very upset at the end of the day we visited our local PNC branch located at XXXX XXXX XXXX. XXXX XXXX. XXXX, NC, XXXX and met with XXXX XXXX, the branch manager at that location. When we inquired about the creation of the multiple debit cards, he told us that PNC has no way of tracking who created the debit cards, online or at a branch location. We asked that he escalate this issue to upper management, and close our accounts. We informed him that if the issue was not resolved we would be making a formal complaint with various financial regulatory agencies. Mr. XXXX informed us that he was unable to close our accounts until Monday. On Monday XX/XX/2019 Mr. XXXX was kind enough to stop by my work place and deliver a check for {$0.00} that was interest that had accrued over the weekend. Later that day he confirmed via email that the account was closed. It is XX/XX/2019 and my wife continues to receive daily checking account email updates, which leads us to believe our checking accounts were never closed. She has called PNC and they are telling her she can only get these turned off at our local branch. On Friday XX/XX/2019 my wife asked me to visit the local PNC branch. During my visit I explained the situation and keeping with the theme of poor customer service the employee offered very little help, and again told us that the PNC representative my wife spoke with was wrong and they could have done it on the phone. She also was not able to see why PNC is continuing to harass us with daily account balance updates even though our account is closed. I sent a follow up email to MrXXXX XXXX on XX/XX/2019 asking for him to double check that alerts have been disabled, and also requested bank statements to be mail to our house. It is currently XX/XX/2019 and I have not heard anything back from Mr. XXXX and my wife continues to get harassed daily by PNC with checking account balance updates for an account that is supposedly closed. I feel as if my wife and I have been extremely patient and generous with PNC, while dealing with poor customer service, and their negligence in handing our accounts. For this reason we are submitting this written statement to appropriate parties and asking that PNC Financial Services Group , Inc., provide satisfactory documentation by mail proving our account is actually closed and complete an internal review of the above described events. Also this letter serves as a written request for copies of all bank statements for the last three years to be mailed to the property listed below.
Company Response:
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: The XXXX XXXX XXXX XXXX is treating me unfairly. I am trying to legally change my date of birth to remove all old debts and false info which is affecting my ability to receive my USPS mail. They refuse to help me find scholarships and are not helpful. This is affecting my credit score. I think this school is suspect of fraud. This is a full time class. I need a large scholarship or loan to cover this.
Company Response:
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I purchased a house in XXXX of XXXX, this mortgage has since been purchased by PNC bank. The issue is I've paid ahead on my mortgage, one of the primary reasons was to remove PMI from my loan. I called to understand how to go about getting this removed, the lender states I need to get an appraisal on my house that costs {$500.00}. In reading up on removing PMI, it appears that a lender is required to remove PMI at 78 % loan to value. I was notified by PNC that this is not the case, a disclosure I signed in the original loan states " ambiguously '' that this is date driven, and calculated at the time of origination. This means that I can wait until XXXX when they are required to remove PMI or I can pay them to have their " appraiser '' come out, and re appraise my house. At which time it will be removed. How is this legal?? This is a form of extortion and a primary reason the CFPB was created.
Company Response:
State: MI
Zip: 48348
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, Treasurer XXXX ( H ) XXXX ( O ) XX/XX/2019, I received the first of several emails from someone fraudulently posing as President of our club, XXXX XXXX. XX/XX/2019 Received another fraudulent email from the person posing as club President, XXXX XXXX, requesting I mail a check ( # XXXX ) made payable to XXXX XXXX, Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Washington, DC, XXXX in the amount of {$750.00}. XX/XX/2019 mailed check # XXXX for {$750.00} to the person and at the address stated in the XX/XX/XXXX email. XX/XX/2019, Saturday, As soon as I spoke to XXXX XXXX, the real President of our club, I found out he was not the one that was recently emailing me. I immediately called the main number at PNC Bank to stop payment on the check but was told the check was cashed the day before on Friday. I asked how could they cash it, doesn't it have to be cleared. They said it was cashed at a local PNC branch. I told them to freeze our bank account. The bank said to wait a couple of days and then contact my local PNC Bank branch. XX/XX/2019 Tuesday, I called the local PNC Bank branch and told them a Fraud was committed and wanted them to open up a fraudulent case. I spoke with XXXX, the local PNC Bank branch rep, and told her I had requested this past Saturday that our account be frozen and that I would open up a new account but wanted her to start a fraud investigation. XXXX said our account was not frozen but only a note was put on it that I called. I immediately told her to freeze our account and scheduled an appointment for Friday, XX/XX/XXXX. She said only the local branch can freeze an account and I should not have been told that it was frozen but it was now frozen but for some unknown reason it would not be closed out. XX/XX/2019, I received another email from the person who was posing as the President of our club, XXXX XXXX, and without opening the email I could see on the subject line that they were requesting another payment by check. It was then that I contacted the local XXXX police department in the town where my business office is located and the place where the fraud was committed. Patrolman ( PTL ) XXXX, Badge # XXXX responded. I gave him copies of the email correspondence between me and the person posing as the president of our club. With PTL XXXX present, I opened the next email from the fraudster and it was requesting an additional {$5500.00} be mailed to same person and same address. PTL XXXX said to see if we can stall them by saying that I was on vacation and would not be back until the following Monday. PTL XXXX asked me to contact PNC Bank to request a copy of the cancelled check. Both PTL XXXX and I spoke to XXXX and requested that she email me a copy of the canceled check. She said she couldnt because it had bank account information on it but then PTL XXXX reminded her by saying what does it matter since the account is now frozen. XXXX then agreed to email the check. PTL XXXX then opened up case number XXXX, said he will turn this case over to the XXXX detectives and left my office. Later that afternoon, XXXX emailed a copy of the canceled check and it was then that it was discovered that our check was not cashed but was " For Deposit Only XXXX '' - XXXX XXXX XXXX XXXX. Apparently it was not cashed at a PNC branch bank as I was initially told. I emailed a copy of the canceled check to PTL XXXX. Later that evening PTL XXXX called me at home and said he discovered that the payee of the check, XXXX XXXX, was listed as one of four residents at the address where the check was mailed. We now had the bank account that the check was deposited along with the persons name and address. I XXXX the address the check was mailed to and called a local XXXX bank branch located within 10 minutes of the address trying to get them to put a hold on the account but they refused. XX/XX/XXXX, I met with XXXX at the XXXX XXXX PNC Bank, closed our account, opened a new account, gave her copies of the fraud email correspondence, the police report case number and asked her to file a fraud complaint in the hopes of getting our money back. I received another fraudulent email and forwarded the email to PTL XXXX and that I had filed a fraud complaint with PNC bank. Also stated that I have not heard from anyone at the XXXX Police Dept. He could not answer for the detective bureau because he stated that they will respond based upon their workload and recommended that I not to entertain anymore emails. XX/XX/XXXX, Received another fraudulent email asking if I had returned. XX/XX/XXXX, I received two letters from PNC Bank, one dated XX/XX/2019 and the other XX/XX/2019 stating that our Service Request was denied. I called the number in the letter ( XXXX ) and spoke with a Mr. XXXX, I explained about the fraud and mailing out the check in error. He said a service request was filed not a fraud investigation. In disbelief I could not imagine how only a service request was filed as opposed to a fraud investigation. I explained the events to Mr. XXXX, asked if I could email him the correspondence I had received to date about the fraud and he said he did not have an email address and I could not sent it to him. I told him I gave XXXX at my local PNC branch copies of the emails and that I wanted to open a fraud investigation. He assured me he would start one. I called my local PNC Branch asking for XXXX to find out why only a service request was initiated but she was on vacation and would not be back until XX/XX/XXXX. I spoke to the branch manager, Mr. XXXX who researched the case and said a fraud investigation was ongoing and was assigned to a person named XXXX. He said if I didnt get a phone call this week, to call back on XX/XX/XXXX when XXXX returns and I can speak to both of them. XX/XX/XXXX, Received an email from a club member forwarding another fraudulent email from the Fraud XXXX XXXX requesting gift cards from our members. That club member was present on Saturday when we found out about the fraud so he forwarded the fraud email to all members telling them it was a scam. I forwarded that email to PTL XXXX. Received an email from the same Fraud XXXX XXXX requesting my assistance. Did not respond to it. XX/XX/XXXX, Received a letter from PNC Bank, dated XX/XX/2019, stating if I believed the check was fraudulently negotiated to please visit my local PNC Branch. This letter included a copy of the cashed check along with the routing number, posting sequence, and other bank information. XX/XX/XXXX, made an appointment at my local PNC Branch at XXXX.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I tried to send monies to my mother of {$150.00}, & {$2500.00} and she did not receive it. She went online looking for a number to call for customer service to XXXX. After she called a number that was online this is when she was connected with this guy named XXXX. XXXX explained to her that she needs to get me on the phone. Once I got on the call, I was told that he needs to secure my account. The guy sent me a request for another {$2500.00} and I asked why he stated again needed to secure my account and the money will be transferred back to my account. He sent several more requests and I declined because, at this point, I felt something wasn't right. After contacting my bank, they stated nothing was refunded only withdraws. I checked with my mother 's bank that day and she did not receive any of the funds totally {$5100.00}. In the beginning, my mom felt this guy was part of XXXX because he sent links to her phone asking to verify her information. He did the same with me. He used this number for me to copy and paste the link and send to him at this # XXXX.
Company Response:
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A