Date Received: 2019-08-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XXXX/XXXX/19 my checking account was overdrawn by approximately {$6.00} resulting in a {$36.00} charge. I have an alert system with the bank in place that warns me when my balance drops below {$500.00}. On that date I was notified that I had a positive balance and knowing that electronic regular deposits would arrive on XX/XX/XXXX or XXXX I did not transfer additional funds relying on the bank 's notification that I had a positive balance. On the morning of XXXX I learned that a small outstanding check had caused a very modest overdraft ; I called the bank expecting a reversal of the {$36.00} charge but the clerk refused taking no notice of the fact the bank had formally informed me by email on XX/XX/XXXX that there were funds in the account. I asked for a supervisor who subsequently called me on XXXX still refusing to reverse the charge. I feel this is a deceptive practice as I relied of the Bank 's confirmation of positive funds on the same day as the overdraft had occurred.
Company Response:
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/18 i placed an order with the company XXXX with order # XXXX in the amount of {$640.00} I never received the items. I contacted XXXX and attempted to contact the merchant but found it very difficult to speak with a human. After several unsuccessful attempts I contacted my bank PNC and told them I wanted to dispute this charge. They gave me a provisional credit of the funds. I NEVER received a document in the mail asking for more information or telling me that they were going to collect the provisional credit back because my investigation didn't have enough information. Almost 90 days later, I contacted bank when I saw funds were missing they said I could re-dispute charge again. I did and went to bank to fill out form and was not permitted provisional credit this time. My claim was denied again within the week. For the length of time that has been passed since being originally charged. This is unfair and unjust. I was told I was allowed to dispute charge up to three times. So I attempted one last time and claim was denied for same reason. Too much time has passed. I was told to contact merchant so I did and an investigation was held I was told I could receive a possible store credit. At this point, I really wanted my money back but would be satisfied with something. All I was granted was a {$50.00} gift card.
Company Response:
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My wallet was stolen at a XXXX 's in XXXX on XX/XX/XXXX. Within an hour, I notified XXXX Police, and my banks, including PNC Bank ( I have a debit card and checking account ). PNC froze the debit card and issued a new debit card with a different number, mailing it to my address. I received the new debit card several days later. I also submitted an online disputed transaction to dispute the charge to XXXX ( {$110.00} ) right after my wallet was stolen, before PNC could freeze the account. My account was provisionally credited with the {$110.00}. Several weeks later, on XX/XX/XXXX, I became aware that {$1700.00} was missing from my account. After numerous calls, emails, and in-person meetings at the PNC branch bank, I learned that someone entered the XXXX XXXX PNC bank on XX/XX/XXXX and presented my driver 's license, misrepresenting themself as me. Despite not having the correct debit card number, not matching my signature, not looking like me, and the fact that PNC knew my wallet had been stolen, PNC allowed this person to do a cash withdrawal of {$1700.00} from my bank account, effectively wiping out my account. PNC is now also charging me service charges due to a low account balance when my account balance should not be low. I have made repeated requests for the {$1700.00} ( and service charges ) to be returned to me promptly since this is my only account with a debit card. PNC has told me they need 30 days to investigate. The only thing that needs to be investigated is why they ignored my repeated communications that my wallet was stolen and the account needed to be monitored closely for fraud, why the bank teller egregiously breached policies and protocols and what discipline should be imposed on the bank teller and the bank. I would like my money returned ( ideally with an apology ) and to ensure that this does not happen to others, to the extent possible. I am also requesting that PNC cooperate with the XXXX Police Department and send all of the information about this fraud to my active police investigator, detective, XXXX - police report XXXX
Company Response:
State: IL
Zip: 60201
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: PNC Bank is so unprofessional and made me waste my time and money! I walked in on XX/XX/XXXX to apply for a mortgage loan & the first thing I did was ask if I could apply for the loan with my XXXX XXXX because I was XXXX XXXX XXXX. I am under whats called XXXX, XXXX XXXX XXXX XXXX XXXX which allows us to XXXX and XXXX XXXX in the U.S, I am aware not all banks accept that or will only approve your loan untill your XXXX expires and thats WHYY it was the FIRST thing that I asked & I was told that they do accept it. I had all the documents needed that day because I had previously applied at other banks, I had my W2, tax returns, pay stubs, bank statements, proof of down payment, social, ID, EVERYTHING. The lady that helped me took copies of what was needed to send to the loan officer & later on was told I got pre approved. I picked out the house I wanted and went from there. My loan officer almost NEVER called me to let me know anything about the loan it would always be my realtor having to call him and get updates. They asked for the earnest money and due diligence which was {$2000.00} total. I was told that if I backed out I would not get the money back but I NEVER backed out. I was willing to continue untill the house was mine! Then they asked for the appraisal money and that was {$600.00}. My closing date was set for XX/XX/XXXX but they kept asking for more and more documents and asked for a copy of my XXXX XXXX, so the date got moved to the XXXX. Comes XX/XX/XXXX and my realtor has to call the loan officer early in the morning to confirm & the loan officer tells her we can not proceed with the loan because I am not a XXXX XXXX and can not do a loan with my XXXX XXXX, she asked him if he spoke to me already and he said no. I waited all day for him to call me and he never did so I called before XXXX and thats when he told me we could not proceed. My point is I clearly asked before I started the process if I could apply with my XXXX XXXX and was told yes, made me spend {$2600.00}!! Money that I have to work hard for and is not growing on trees for them to say no the DAY OF CLOSING?? and tell me I cant get my money back?? Its YOUR fault for saying you DO accept my XXXX. If they would of said no I would of NEVER wasted my time with PNC.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My mother, XXXX XXXX, who's an elderly senior woman had {$6900.00} with XXXX XXXX ( account number : XXXX ) that allegedly went missing because it was somehow withdrawn by me, XXXX XXXX, her son, who's listed on this account as a Minor. We recently spoke to two different PNC Banks in the XXXX XXXX, Illinois area, to help us figure out what happened to the money, but on both occasions the managers there stated they didn't have access to the records even though PNC Bank acquired XXXX XXXX. The manager at one site suggested writing PNC Bank headquarters because there wasn't an email or phone number to use, so a written letter was mailed to PNC Bank Headquarters. An agent of PNC Bank by the name of XXXX XXXX, Retail Escalation Manager, states letter was received on XX/XX/2019. However, no statement of effort was made in the reply about where the money went or what PNC Bank is doing to find the lost money besides Mr. XXXX stating he wants to talk further over the phone. The correspondence received from Mr. XXXX, dated XX/XX/2019, doesn't ask about what other details they may need, if any ( which we already provided to his colleague over the phone anyway ), or, again, what they're doing to resolve our concern. It appears my mother was a victim of elderly fraud and we hope PNC Bank has an ethical responsibility of helping my mother who's an U.S. citizen with limited-English proficiency. Any help is greatly appreciated in closing this matter in our favor. Thank you for your time and consideration. XXXX bless!
Company Response:
State: IL
Zip: 60544
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: PNC Bank improperly removed XXXX from my account to pay a mortgage payment that was not due. I have done automatic bi-monthly payments on the due date and have been 1/2 payment ahead for almost 5 years. Although I know its a glitch in their system, they have refused to reverse the payment prior to an investigation even though they are well aware that my regular payment has already been made. I have never missed a payment and this change to their procedure on my account was unnecessary. Since they will not immediately return the money that was not due them, I think from a legal standpoint, they have converted my money and have committed theft. They have now advised that the funds will be returned to my checking account in 5-7 business days. I am questioning the method on how this is being handled. If this was a third party fraud, the funds would have been conditionally returned to my account immediately. Since it was PNC who committed the fraud, it make no sense that they are keeping the funds pending their own investigation. PNC is well aware that no payments are due.
Company Response:
State: KY
Zip: 41017
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: PNC has overdrafted my account a total of 24 times inXX/XX/XXXXand XX/XX/XXXX. While I learned economic responsibility the hard way at times, starting in XX/XX/XXXX, it went from genuine overdrafting to re-arranging my transactions so that a posted deposit that would reliably hit my account at the exact same time it historically does would somehow be 'late '. Bank records show that the only times in the past two years my paycheck has posted late was when not posting it on time would result in an overdraft. I had trouble cancelling transactions with an automated app that caused me to overdraft, any refund I would issue in a hurry would also post later than it normally does with the vendor if I would overdraft first, or any other depsoits I could count on would always be later. A few times, a scheduled deposit would come much sooner than it historically tended to, such as a tip from a service that normally posted next day would suddenly post as soon as the transaction happened, very abnormally, and it triggered an overdraft. Any time since XX/XX/XXXX that I saw that I was going to over draft, I would transfer money as pre-emptively as possible from an external savings account in as timely a manner federal law allows. These always post by the third business day, but these deposits would always be much later in the day than average if my account would overdraft before. I overdrafted once on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. While the XX/XX/XXXX ones were suspect in the transaction timing per my personal records, they then escalated, 6 times on XX/XX/XXXX, 3 times on XX/XX/XXXX, 4 times on XX/XX/XXXX, 5 times on XX/XX/XXXX, and twice on XX/XX/XXXX when I was abroad and could not call to cancel a transaction with limited service in the country I was in at the time. In XX/XX/XXXX, I called PNC to protest with records at the time to prove that the transactions were re arranged to make me overdraft multiple times, and for a period, I received a partial refund ( still never received the complete 7 times {$36.00}, only for the three ). I have lost, according to bank statements, {$1100.00} to overdrafts in this time, most of them I tried methods for that, if my account was not about to overdraft or re-arranged, would not have resulted in a fee. My statements do not have times on them. This is {$1100.00} that I could have used for medical use, my vacation earlier this year ( and I am submitting a separate complaint regarding an emergency I had that PNC completely dropped the ball on ), or to keep myself afloat inXX/XX/XXXXwhen, during the summer, I had hit economic difficulty and was trying to stop payments or defer payments as much as possible. I even attempted to change the overdraft policy to protect myself from further charges, which did not happen and resulted in the next wave of that month. I was not able to pay my student loans on time in XX/XX/XXXX entirely due to the economic hardship these incidents occurred. It has also incurred a lot of pain and suffering. I only submit this now because I have only learned of this process today.
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I walked into a local PNC branch located on XXXX XXXX and XXXX XXXX XXXX to inquire about a business checking account. At the time I noticed a post card describing details about PNC 's HELOC. I asked the representative a few questions about their product. First question was how does the bank look at the consumers income, since I am a self employed individual. Ms XXXX XXXX the representative assisting me replied : Mr XXXX we look at the gross income. I reply that is great!. I would like to apply for your HELOC. Ms XXXX set up an appointment for me to come back with a list of documents to take my loan application. I came back to my appointment as agree and Ms XXXX took my application and state that I will need to bring copies of my XXXX since they look at the gross income. I follow up with an email with the copies of my XXXX. Ms XXXX called me to thank me for being so quick with my response. Then she informed me that someone from underwriting department was going to get in touch with me to clear some things on my application. I received a phone call from XXXX XXXX XXXX introducing herself as an underwriter and that she needed to clear some things from my application. She started by quoting the interest rate I was already informed of when I did my loan application. And with a discouraging tone she asked me " Are you ok with that ''! to which I replied, of course! If I was not ok I would not have engage in the application process. Then she was questioning something on my credit report that happened during the recession. To which I objected to, and remind of the recession and to keep in mind that even Banks had financial issues to a point that the Federal government had to inject a huge amount of money and how some banks went bankrupt. To which she replied " Ok '' with an attitude. Then about week later I followed up with XXXX and she asked me if I had any other income source I told I also have a few tenants on our office building and send her copies of those leases. The next day On XX/XX/XXXX I received an email from PNC stating the following : PNC BANK Loan Reference Number : XXXX Thank you for submitting your loan application to PNC Bank. You are receiving this notification because the status of your loan request has been updated. You will receive further information via U.S. mail within 3 to 5 business days after receipt of this message. Thank you again for allowing PNC Bank to serve your financial needs. On XX/XX/XXXX Ms XXXX XXXX reach out to me to tell me that the bank had declined my loan application. To which I reacted with the question why!. Then I told her that the whole process was very weird and that I had a feeling that I was being discriminated against. Because I do not see clearly were I felt short. Ms XXXX stated she can go ahead and file a complaint on my behalf. To what I replied : Please do!. By the end of the week Ms XXXX from the resolution department reached out to me and left me a voice mail message. I reached back to her and she introduce herself as the person handling my complaint. I asked her about the reason of my declined application, and she started going over some information that makes no sense at all. I asked her to please send everything she explained to me over the phone in writing to my home address and she refused to do so. She stated that she can only explain it to me over the telephone. I told her that by law the financial institution is require to provide consumers the reason of their denial. Today it is XX/XX/XXXX and I have not received anything in writing from PNC. I truly feel discriminated against.
Company Response:
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: PNC bank advertised a {$200.00} sign up bonus with direct deposits totalling over {$2000.00} within 60 days of account opening and at least 10 debit card transactions. I met both of these requirements and was not credited my bonus. I contacted support and was not credited my bonus and given totally incoherent responses. I believe this bank is engaging in fraud.
Company Response:
State: CO
Zip: 80920
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I have a mortgage equity loan with PNC Bank. I had a 60 day late payment put on my credit report in XXXX of this XXXX. I had been attempting to make the payment and dropping the payment in the night deposit as i do not have any other type of account with them. They were also transitioning all of the accounts do different account numbers at the same time, for what reason i have no idea. So i had written my old account number on the attempted payment. They did not attempt to cross reference the account numbers or anything and instead just held onto my payment. I did not realize this until almost two weeks later when i received something in the mail stating that no payment had been made. Again i do not have online access since i do not have any other type of account with them. I am just trying to get this 60 day late dropped to a 30 day late because of the obvious and strange circumstances that occured during this period of time. I am not current on this account but this obviously affects other credit items with me.
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A