Date Received: 2019-07-23
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Well on XX/XX/XXXX i received an certified check through the msil for XXXX i took it directly to my bank PNC on XXXX and XXXX in XXXX i told the Teller i wan na know if it is real she stated once we process it if it is no good it want go thru the next day it was cleared i went shopping then 5 days later i get and e-mail that the check bounced now they telling me my account is negative XXXX plus recruing fee that's not fair because a bank suppose to verify these things throughly if it went through the bank processing system
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Well this how it came about when I tried going to the PNC Bank on XXXX XXXX XXXX XXXX XXXX Indiana trying to open an account in which I was given a Smartaccess card ending in XXXX O.K. Then it wasn't even a month later I was able to create a account with three different accounts involved O.K. Then a check was written and deposited into the new account number ending in XXXX O.K. Now the check was deposit and I got a receipt saying it would be available within a few days O.K. Now I went to the branch letting them know about the XX/XX/2019 deposit of {>= $1,000,000} on the card ending in XXXX. They ended up closing the account saying someone may been trying to get ahold of the funds without my consent they closed my account without giving me a reason. I have a copy of the check that was mailed to me with a message saying this is A LEGAL COPY of your check and could be use the same way but at the same time my account was closed without further response. I need some assistance with this matter would be great ly appreciate it when this is resolved. Check number XXXX?
Company Response:
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: PNC Bank offered me a checking account, which I opened with a {$100.00} deposit in XX/XX/2019. After receiving my ATM card, I tested it by depositing {$10.00} cash into an ATM. Thereafter, I received a letter with no explanation from PNC stating that my ATM card was closed. In addition, PNC did not make the {$100.00} nor the {$10.00} available to me. OnXX/XX/2019, PNC Bank 's " claims department '' withdrew my {$110.00} and kept it. PNC Bank refuses to discuss the account. PNC Bank violated the terms of the deposit agreement and the Funds Availability Policy. I engaged in no action to warrant PNC 's breach of fiduciary duty. PNC also appears to have used consumer reporting agencies without disclosing the identity of said agencies in contravention of the Fair Credit Reporting Act.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Earlier this year, in the spring time, I believe in XXXX, I was informed that my PNC Credit Card ending in the numbers XXXX was past due. This was odd, as I always pay my bills when I receive them. I immediately paid the amount past due. I couldn't find the bill. I receive paper bills and pay them with checks via regular mail. I know I am archaic, but that's just the way I do things and it's within my rights. After being unable to find said bill, I just assumed I had lost it or my mail person misplaced it, although I remained suspicious. I continued to place all my credit card bills in the same spot and keep a very close eye on them. This past week, on Friday, XX/XX/XXXX, I was contacted via telephone and informed that my payment was past due on the same credit card, ending in XXXX. This time, I knew I never received the bill. I have three other PNC credit cards and had received the bill for each of those three. Just not the one ending in XXXX. I paid the amount past due over the phone. After confirming I had never received a bill in the mail, I decided to file this complaint. I am concerned PNC is purposely doing this to either collect late fees or coerce me into setting up automatic payment from my checking account. They won in the last matter, I did set up automatic payment so this does not happen again. At this point, all I want is for PNC to remove any negative hits on my credit report from these two alleged late payments. I am fine with them keeping the late fees, they can have them. I just want these negative events off my credit score because I am not at fault for them because I never received my bill.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XX/XX/2019, I first became aware of significant unauthorized access and transactions on several of my financial accounts. I had been XXXX for several months and was unable to directly manage or protect my personal information, financial information, and personal affairs. My mother was acting on my behalf with a fully executed Power of Attorney. My mother filed a dispute for numerous unauthorized transactions to my XXXX XXXX XXXX Visa Debit Card ( issued by PNC Bank ) with XXXX XXXX XXXX through XXXX XXXX, the " partner bank '' that administers XXXX XXXX XXXX accounts. It was my XXXX XXXX XXXX account that had been compromised through unauthorized use of my debit card and my mother was directed by XXXX to file a dispute claim directly with XXXX XXXX. The dispute was for numerous transactions which were obviously unauthorized and not made by me as I had no ability to perform transactions during the time period in question, which was from XX/XX/2019 to XX/XX/2019. I did not become able to directly manage my own affairs until XX/XX/2019. In early XX/XX/XXXX, my mother filed a dispute with XXXX XXXX over the phone on my behalf, explaining that the transactions were fraudulent and the result of Identity Theft, home burglary, and extensive thefts of a great deal of my personal effects and property, including my vehicle, my cell phone and computers, my wallet, personal papers, mail, and numerous other personal items. A couple of weeks later, my mother received a letter from XXXX XXXX dba XXXX XXXX XXXX which was dated XX/XX/2019, and stated that the dispute claim had been denied based on the investigation result being that the transactions had been found to be authorized, which is absolutely not true. The letter did not offer any explanation as to how the investigation came to this determination or what information was used to ( erroneously ) support such a determination. About a week after receiving the denial of claim letter, we sent a handwritten letter requesting reconsideration based on the adamant assertion that none of the disputed transactions were in any way authorized and that the perpetrator of the thefts and identity theft crimes against me was not acting with my knowledge or consent. This letter was sent by mail to XXXX XXXX dba XXXX XXXX XXXX to a XXXX, Delaware address. XXXX XXXX/XXXX XXXX XXXX never acknowledged receipt of this letter nor was a response ever received. When I was able to personally and directly manage my affairs again beginning XX/XX/2019, I contacted XXXX XXXX/XXXX XXXX XXXX by phone and inquired about the letter we had sent. I was told they had no record of having received the letter. I explained the situation and the issues that we had been having, and after numerous phone calls over the next couple of weeks, was finally told to submit an Appeal addressed to the same address as the previous unacknowledged letter, but was given the option to fax my documentation instead. On XX/XX/2019, after conducting my own independent and extensive review, audit, and investigation into all of my personal accounts with regard to the crimes that had taken place against me while I was XXXX, I faxed to XXXX XXXX/XXXX XXXX XXXX a detailed written narrative, along with copies of reports of Identity Theft that had been filed with the FTC, property and financial information theft that had been filed with local police, information related to the suspect and his presumed accomplices, and an itemized list of all unauthorized and fraudulent transactions that had been made against my XXXX XXXX XXXX account without my express or implied knowledge or consent. I received a confirmation that the fax had successfully and completely transmitted to the given fax number. The next day, I contacted Card Services customer service to confirm their receipt of the fax, and was told that it had been received and would be reviewed soon. It has been over three weeks and I have not received any communications from Card Services regarding this appeal. I have contacted Card Services customer services on numerous occasions since faxing this very comprehensive information and documentation, and have not been able to receive any definitive responses regarding the status of this issue. Every time I contact the only number I have for Card Services, I reach a customer service representative who tells me that the Fraud Department is handling the matter and that there is no resolution as of yet. The representatives with whom I have spoken on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each have told me that they can not connect me to the Fraud Department, that there is no direct number to reach the Fraud Department, and even they are unable to reach the Fraud Department except by email. On each of those dates, the representatives with whom I spoke each told me that they would send an email to the Fraud Department requesting that someone in that department reach out to me right away, same day, to discuss my appeal, the current status, the expected date of resolution, and what is causing the excessive delays. I have NEVER received a call from the Fraud Department. It has been well over two weeks since I submitted my appeal, and it has been over three months since this entire nightmare began. I want an immediate resolution to this matter, and I want my stolen money returned without further delay. My car has now been repossessed because of my inability to pay my obligations due to XXXX/XXXX XXXX XXXX engaging in bad faith, unethical and deceptive trade practices. I have also contacted Visa regarding these companies violation of the card issuer rules they agreed to abide by with regard to issuance and administration of Visa-logo debit and credit cards, specifically, the requirement to provide reimbursement for unauthorized transactions within 5 days of receiving a consumer dispute claim.
Company Response:
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have paid the account and I was told it will be reported paid in full and removed. there are incorrect late payments. the PNC BANK failed to report according to The Fair Credit Reporting Act ( FCRA ). IN XXXX XXXX they get paid. I waited 31 days but they failed to reported paid so in XX/XX/2019 I called asking them to remove the account from my credit report a violation of law. The Fair Credit Reporting Act ( FCRA ). yet they failed again to correctly report it. and it still hurting my credit score causing me hardship and finance problems. I requesting a removal of the account.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was fraudulently sent emails from a clients email address with fraudulent wire transfer information. The transfer originated at XXXX Bank and was wired to PNC/National City Bank in XXXX OHIO to the criminals account. XXXX attempted to retrieve the funds but PNC said the recipient refused to refund the stolen money and would not provide any further information about their client. I notified local law enforcement, the FBI and PNC in XXXX. I have since saw online that the scammer is continuing to use the same account at the same bank under the same name to steal from other consumers. The bank should be held accountable for my loss and others as a direct result of the bank permitting and harboring criminal activity.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: This concerns PNC Bank in XXXX NC. I deposited XXXX on Sunday XX/XX/2019, at a local branch ATM. The ATM malfunctioned and kept my XXXX bucks but didnt credit to my account. Of course first thing after I contacted PNC customer service. They filed a dispute as this is the procedure in order to have missing money returned to the customer. This so called dispute procedure takes 10 days according to the policy in place. I just got the news my dispute has been denied. So in other words they kept my money. Understand that machine malfunctioned and it was indeed in need of major repairs. Yet and still I was denied my own money that was literally stolen from me via PNC ATM machine. This is not only ridiculous but shows what kind of company PNC really is. I just want my money back ASAP
Company Response:
State: NC
Zip: 27217
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ive noticed several unauthorized inquiries on my credit profile this is an illegal per usc section 1681 which states that there must be written consent in order to authorize inquiries also section 609 of the fcra states the same there must be written this is grounds for a suit and if they are not removed by these unauthorized companies i will persue every matter in court
Company Response:
State: GA
Zip: 31210
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I authorized PNC Bank via Online Banking Pay Bills to issue a check XX/XX/2019 to XXXX XXXX for a maintenance fee. The check never reached the payee and was cashed at XXXX XXXX on XX/XX/19 with an endorsement " XXXX XXXX XXXX '' on the back. I reported these facts to XXXX XXXX, Manager of the XXXX branch of PNC Bank on XX/XX/19 and after signing a notarized affidavit was assured the money would be replaced in my account within the week. On XX/XX/19, I received a request for the payee to sign an affidavit which he did. After many calls to the Fraud office of PNC, reassurances by multiple PNC Branch managers, the answer is " XXXX refuses to reimburse PNC. '' And until that happens, I will not get reimbursed for their mistake. In addition to the stress and aggravation, late charges are accruing. In addition to the possible adverse effect on my credit rating, if this was a mortgage payment or insurance payment, more serious consequences could occur. I think the public should be made aware of the careless handling of our money. I am appealing to your office to investigate this matter as it does not show signs of being resolved.
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A