Date Received: 2019-05-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX a charge came in from XXXX for XXXX. I was charged XXXX for this transaction. I have been in contact with XXXX my account with them is currently on hold. Pncs reason for not refunding this charge is due to a refund given back in XX/XX/XXXX. {$36.00} is excessive for {$1.00} charge. I also believed I had an at work checking account and therefore would receive no charges such as monthly fees. For one month I fell below and was charged a fee of XXXX.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2019, I was arrested on a XXXX XXXX. During my XXXX my ex boyfriend withdrew {$1100.00} from my bank account. I was released on XX/XX/2019. the following day I went to my local PNC bank and explained the situation. I was told to file a dispute and my money would be refunded due to him taking my money while i was incarcerated. I provided the proper paperwork to show proof and the bank even printed out a report on how the money was withdrawn while I was XXXX. I filed 3 disputes and as of yet the bank denies returning my funds. I even showed proof on how fraud charges and breaking and entering charges were filed with the local police. I was told I should not have a problem with the money being returned due to having enough proof. As of today, they denied me again and claim it was denied due to merchant history. PNc bank had me running around getting all necessary paperwork for NOTHING. If i gave them enough proof, why am I being denied what I had left in my account before I was XXXX. Video surveillance even shows him Taking the money.
Company Response:
State: NC
Zip: 28304
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-22
Issue: Overdraft, savings, or rewards features
Subissue:
Consumer Complaint: On XX/XX/2019, I received a notification from my budgeting app advising that my PNC account was no longer linked and I would need to contact my bank to authorize the access. I contacted PNC around XXXX XXXX. I explained the circumstances and the gentleman advised PNC recently updated their security settings on XX/XX/2019 which prevents Third Party Apps from accessing the bank account system without an authorization from the owner which is completed thru a text verification process I inquired about how consumers were notified of the new security measure put into place and the rep advised I should receive the notice via mail this week. ( As of today I still have not received any notification ) I explained to the gentleman the app I have linked to my PNC, monitors my spending with the linked accounts instantly credits my account when it is a possibility an account could go into an overdrawn status. I recently enrolled into overdraft coverage with PNC to ensure my transactions process when using my card and I used the Third Party app as back up to ensure the funds would be instantaneously available in the case that I do overspend. However, due to PNC disconnecting the account from the Third Party apps ; the app was unable to monitor the account, as it paid to do. I advised my account was now in an overdrawn status with additional fees pending due to the lack of communication from PNC. The rep advised he def understood my frustration and that he would refund the fees that had already been assessed to the account. While he worked to refund the fees, he advised me to disconnect my banking information from the Third Party app and re-enroll with my PNC log in as the app requests. Once I attempted to log into my account via the Third Party App, PNC would be notified and send me a text verification that would allow the app to sync with my PNC account which would prevent additional fees from being assessed to the account. While on the phone with the rep, I disconnected as instructed and attempted to reconnect PNC banking information thru the app. The app advised, online access was not authorized and I would need to contact my bank. I explained to the rep the error message I received from the app again. He recommended I shut the Third Party app down completely and try again. While completing this task, he advised the system would not allow him to refund the fees and he would need to have a manager complete the refund. He placed me on hold to retrieve the manager while I continued to sync my account with the app. Upon his return, he advised the manager would have to return my call because there was not one available at that time to resolve my concern. I accepted the return call option. I then requested assistance to resolve the access issue via the third party app. The rep advised When I attempt to access my account via the app the new security measures should prompt PNC to send me a verification text. I advised that has not happened as of yet after numerous attempts of trying to connect. He asked if I was enrolled in mobile alerts. I told him I believe so. He asked to verify my enrollment by logging into online banking under the Alerts tab. I looked and it showed that I was not enrolled He then explained I would need to enroll in the Text message verification process to allow the App to access the account. I attempted to enroll in the mobile alerts & received an error message that I am already enrolled although the system says I am not enrolled. ( verification attached ) He said that was odd and proceeded to confirm that I have not previously enrolled and no one else has my number to enroll. I denied both inquiries. He transferred me to online banking after advising a manager would call me back to confirm when my fees were refunded. Once connected to an online banking rep, I explained the error message. Once again we went thru the enrollment procedures as according to his system I am not enrolled in mobile alerts. The results stayed the same. He advised he would submit a ticket for this error to be fixed. We disconnected the call under the pretense that a manager would follow up with me the next day confirming my refund was processed and mobile alerts had been fixed. On Wednesday, XX/XX/2019, @ XXXX XXXX. I called PNC again because a manager had not returned my call. The rep told me a manager would be unavailable until after XXXX XXXX and I should call back after that time. I called back at XXXX XXXX and went thru the prompts to get to online banking in an attempt to resolve the mobile alert/verification issue first, where the phone just rung for 9 minutes and no one answered. Eventually, I hung up and called back at XXXX XXXX and went thru the prompts to access assistance with my checking account to confirm the refund had been processed. I spoke with a rep where I explained the situation again ( y arent the notes on the account? are the calls recorded?? ). She then transferred me to a manager where I had to explain the situation again. After explaining again, he did state there were no notes indicating I would receive a refund but a manager would review the account for a refund. I explained that was inaccurate and I was told the fees would be refunded because PNC 1- did not notify me of the updated security measures and what would be required from me as a consumer who should have access to my account, which prevented the funds from being transferred to the account to prevent the account from being overdrawn status 2- the mobile alerts are not communicating to my device due to a system error on their side. The manager then explained that he does not have the capability to refund the fees because the funds did not transfer from XXXX XXXX. I advised him that was inaccurate summarization, the transfer was not from XXXX XXXX but thru a third party budgeting app that prevents the account from going into the negative status when it is a possibility of an overdraft occurring. He reinstated he is unable to waive the fees. I requested another manager that could actually assist me in my concerns as I was previously told the fees would be refunded. He then explained PNC bank policy would not allow the funds to be refunded ; He explained the decision would not change because this is PNC 's policy. He then placed me on a brief while transferring me to his supervisor. A young lady stating she was a Corporate Manager then connected on the line, and she summarized the situation as " requesting the fees to be refunded because the funds did not transfer from XXXX XXXX to credit the overdrawn account '' I explained that was inaccurate summarization and I once again explained the circumstances. The rep then explained " PNC Is not responsible for how Third Party apps transfer funds & the fees would not be refunded and I am accountable for the account '' She then attempted to sale me overdraft protection credit. I responded with the explanation that I do understand PNC is not responsible for Third Party apps. My problem is I was being proactive by setting up an instant credit onto my account to prevent this from occurring ( if reviewing my transaction history which is attached as well there is a credit " earnin '' to my account which is the app crediting the account to prevent overdraft activity ; the " earnin '' credit is later deducted when my direct deposit from work clears ) however, PNC implemented security measures ( which I do appreciate when notified ) which removed this proactive measure causing avoidable fees. I have taken the steps to avoid these fees and it was working until PNC disconnected the Third Party app. 2- When attempting to reconnect the Third Party app, based on the instructions provided by the rep, to avoid additional fees. There is a system error that is preventing me from doing so which can cause additional fees due to the account needing to be credited by XXXXXXXX XXXX. The manager who advised she was with the corporate office and will not refund the fees due to PNC not being responsible for Third Party apps which is not what I was/am expecting PNC to do. I am a firefighter with Washington DC and unfortunately, I am currently in the middle of my 24-hour shift and I am unable to access an ATM. The only access I have currently is thru online access. Even if I transfer funds, they will not be received until Tomorrow ( which is thru XXXX an online app thru PNC that was advertised that transfers could credit same day but turns out they do not ) I do not have a problem paying for fees I caused but this could have been avoided if proper communication had been in place.
Company Response:
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2019 I deposit a check at ATM In XXXX on XXXX XXXX in XXXX Ga. I paid the express fee. And then I went in the Branch and tried to get a money order and the XXXX XXXX gave me such a hard time about my funds and said that my funds was pending and wouldnt give me a cashier check. So I had to with draw from ATM and go to XXXX XXXX for a cashier check.
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I responded to a promotional offer to apply for a PNC Cash Rewards Visa Credit Card. The offer was a {$200.00} cash bonus for a {$1000.00} spend within 3 billing cycles of account opening. I complied with all requirements. I have made multiple phone calls to the call center regarding non-receipt of this bonus. I have a dated/timed screenshot of the offer on the website. To date, I have not received the bonus, nor any satisfaction with plans to address. The only response has been we will file a compliant for you. I do have a screenshot available for your review as well credit card statements confirming my compliance with all offer requirement.
Company Response:
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/19, PNC Bank incorrectly charged my checking account {$100.00} in overdraft fees ( 3 fees of {$36.00} each ). The fees forced my account into a negative balance of {$100.00}. Absent these fees, my account had a positive balance of {$7.00}. I work 2 jobs to cover my expenses and do not have excess funds to give the bank for excessive fees. Therefore, I have not deposited any additional funds into my PNC checking account. I called PNC customer service on XX/XX/19 to ask if PNC would reverse the fees. The representative said he could not. He stated that the ( cash ) deposit I made on XXXX on XXXX was pending. I pointed out that the items for which I was charged overdraft fees were pending as well ( {$38.00}, {$1.00} and {$12.00} ). I then asked to speak to a supervisor. After being on hold for about 10 minutes, I was told there was no supervisor available but one would call me within 24-48 hours. I never received a call. As a result of the situation created by the bank, automated debits since XX/XX/19 have been returned, resulting in 10 fees, for a total {$360.00} in fees. I am requesting that the bank reverse these fees and credit my account for {$360.00}.
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hi there, This morning, I got a notification that my saving account at PNC bank has an overdraft. I then logged on my online banking and found out {$36.00} Returned Item Fee was charged due to an autopay of {$0.00} to my XXXX credit card on XX/XX/XXXX. I immediately contacted PNC and raised this issue. They refused to refund the fee. There is no notification of the {$0.00} overdraft until the {$36.00} Returned Item Fee was charged. It is very unfair to a client like me. Other banks I have accounts with, like XXXX bank, even if the account has an overdraft, they will notify me immediately, so I can transfer money in and correct it ASAP. Moreover, they can simply deny the transaction if my account has insufficient fund. It is a rip-off of charging {$36.00} fees for an overdraft of {$0.00}. Please help me get the refund for the {$36.00} Returned Item Fee. Thanks in advance for your help.
Company Response:
State: FL
Zip: 33174
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I was charged multiple times by XXXX inaccurately. After speaking with PNC a few times about this an investigation was to be done. I also spoke to XXXX about it as well. The problem was that my PNC bank was supposed to have been disconnected from XXXX but it never was even after calling XXXX to verify it. This began around XX/XX/2019 with a charge of {$12.00} from XXXX which was then refunded because of NSF. This happened numerous more times causing an increase NSF fees and other transactions to bounce as well due my account becoming overdrafted. Even though I attempted to balance out my PNC account by adding money but it was never enough. XXXX even drafted my a letter to verify this. Only for me to later found out that XXXX had once again misused a bank account that was supposed to have been removed. I attempted to get into contact with PNC who told me that they had to forward me to another team to resolve my issue but they couldn't because transferring in house didnt work? However when I attempted to call the number given, that didn't work either. Now I am sent a collection letter for money I shouldn't owe.
Company Response:
State: PA
Zip: 15235
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to PNC Bank. Requested a withdrawal amount of {$1000.00} dollars. The teller provided me {$700.00} only and didn't provide me a receipt. Now, I would like to see the footage from the cameras of the branch for accuracy since they say in their sistem it says {$1000.00}. They aren't willing to help as I need their help clarify this. Please help me, if it takes me to testify in court I will. I need to see the footage of the cameras from XX/XX/2019 in the morning.
Company Response:
State: NJ
Zip: 08075
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have a checking and saving account opened in the XXXX, XXXX, PA area PNC bank. I no longer live in the area but do transfer from time to time to make my account active. However, when I am trying to log on my account on XX/XX/XXXX, I found out that my account was closed. I called the bank and they said that it is due to inactivity. They did more research and cal me on XX/XX/XXXX and said that online transfer does not count as activity, so my account is escheated to the state of Pennsylvania. They claimed that were trying to reach me couple time later but I have never receive any mail, call nor email. Also, when I open my account, the representative never told me that the online transfer is not count as activity.
Company Response:
State: CA
Zip: 94116
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A