Date Received: 2019-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I hired an attorney to file an application for garnishment and writ of garnishment pursuant to a Judgement I received against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for {$1100.00} on XX/XX/XXXX. These garnishment papers were sent to PNC Bank , National Association in XXXX, PA attn XXXX XXXX, Branch Manager on or about XX/XX/XXXX. This Bank returned notice to my attorney stating that the account number and name of the account did not match the FEIN we furnished them. The name on the check drawn on this PNC account is clearly stated as XXXX XXXX XXXX XXXX, XXXX and below it the words " A wholly owned subsidiary of XXXX XXXX '' The only other name on the check is XXXX, which is not a business but the name of the US Defense Department Health Care program and could therefore not possibly be the name on the account. My attorney instructed the branch manager to process the garnishment with the account number attached to the following possible FEIN 's as provide by a private investigator : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX There should not be a problem processing the garnishment unless the name on the check does not match the name on the account. If that is the case then the name on the check is a misrepresntation and therefore should not be allowed by the bank. My complaint is that the bank is allowing XXXX XXXX XXXX XXXX, XXXX and or XXXX XXXX to have an account with checks that do not correctly state the name of the account holder, therefore making garnishment impossible. Either that is the case or this bank is giving me incorrect information in an attempt to protect their account holder and prevent the garnishment. In either case this would most likely be a violation of banking regulations.
Company Response:
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I FINALLY WAS ABLE TO LOG INTO ONLINE ACCOUNT AFTER I WAS DENIED BOTH ACCESS ONLINE AND BY PHONE WHEN I FIRST OPENED ACCOUNT. THE LAST TIME I SUCCESSFULLY LOG IN WAS XX/XX/XXXX. I HAVE NOT MADE ANY ATTEMPT TO LOG IN OR EVEN CALL SINCE AND NOW ALL OF A SUDDEN I GET THIS EMAIL STATING MY ACCOUNT IS SUSPENDED DUE TO MULTIPLE FAILED ATTEMPTS. I DO NOT KNOW WHAT IS GOING ON WITH THIS INSTITUTION BUT I AM TIRED OF THIS FOOLISHNESS AND FEEL I SHOULD NOT HAVE TO LOG IN ANYWAY! WHY CAN'T I JUST CALL LIKE I DO WITH MY XXXX PERSONAL ACCOUNT OR LIKE WITH XXXX XXXX. THIS TACTIC OF FORCING SOMEONE TO REGISTER FOR THIS VIOLATING ONLINE ACCOUNT WHEN OBVIOUSLY THERE ARE BREECHES INVOLVED IS BOTH XXXX AND DISCRIMINATORY AGAINST THE ELDERLY AND/OR POOR WITH LIMITED ABILITY TO WORK COMPUTERS OR ACCESS TO EVEN INTERNET SERVICE! I SIMPLY WANT TO JUST CALL TO CHECK MY ACCOUNT AND FEEL I AM DENIED ACCESS TO MY OWN ACCOUNT BECAUSE THESE BEINGS KEEP SUSPENDING BOTH ONLINE AND BY PHONE ACCESS!
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Good Afternoon, 3 weeks ago, I filed a fraud report with PNC ( my bank ). There were {$710.00} worth of fraudulent checks cashed, and the money was taken out of my account. This occurred over a span of 2 weeks ; XX/XX/XXXX-XX/XX/XXXX. There were approximately 9 checks, written for various amounts, all totaling {$710.00}. The person whom stole my checkbook, and wrote the bad checks, is my mother. I also followed-up by filing a police report against her, which I have offered my bank as evidence that this matter is being taken seriously. This claim was opened with my bank going on a month ago. I have contacted their fraud investigation team, as well as my investigator, who was working personally on my case ( her name is XXXX ), countless times. I still, to this moment, have not received any contact or correspondence back from anyone working on my case, nor from PNC. I made a call in to PNC today, and I spoke with a standard Representative, who told me my fraud claim was denied because the signiture has been consistent since XX/XX/XXXX. Apparently, my mother had also stole and written a bad check in XX/XX/XXXX, and because of this, they are saying its consistent. I was in the hospital, and incompetent, from XX/XX/XXXX to XX/XX/XXXX ( in which I have paperwork to prove ). I did not know my Mother was stealing and writing bad checks. I have been banking with PNC for 8 years now. It is their job to protect my money, as they advertise safety, security, and guarantee reimbursement of all funds if they confirm fraud on your account. What PNC is practically saying, is that since there has been this same handwriting in XX/XX/XXXX, that its excusable. This is absurd. Again, I have been with PNC for 8 years. I write, authorize and sign 1 check a month, and that is to my landlord. There is clearly suspicious activity, as there has been {$710.00} in checks cashed. Ive never done such a thing. Also, I had ALL of my checks cancelled. Why would I have all the checks *I* paid for cancelled if this wasnt genuinely fraud? I would appreciate PNC seeing that there is clearly check fraud, reimbursing my money in the amount of {$710.00}, and offering additional protection, as again, I choose PNC to protect my money.
Company Response:
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2019 my direct deposit went into my private checking acct ar PNC ( I had opened the acct because I had asked my husband for a divorce and was trying to separate our finances. He had no clue what my new acct number was ) When I got up that morning to check my balance and move money to XXXX to pay my rent I was shocked to discover that a phone transfer had taken place moving money from my private acct to a joint acct I had shared with my husband and two atm withdrawels totaling {$1000.00} dollars. I was unaware of this and immediately called my bank to dispute it. I was told by the bank that since it was a phone transfer all he needed was my social and not my acct number to access my funds. I was not happy and went into the local branch in XXXX, Alabama and was told that they were unclear how he was able to access my personal acct without my PIN number and to call back on the XX/XX/XXXX when the transaction would no longer be pending. From there I was told that the funds never officially left my person since it went into an acct that had my name on it. Even though I did not give approval for any transfer and the person who did the transfer was not on my personal acct.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Invasion of my privacy XXXX XXXX XXXX Received a phone call from XXXX ( refused last name ) claiming to be from PNC Bank Customer Outreach. Phone number from caller id XXXX he began to ask me very personal questions regarding my account. At first I complied and started to get suspicious after he told me he had googled me. He refused his last name and contact info telling me to go to my branch to verify if he was an employee. At which point he began to get nervous and that upset me. I hung up and called back the number from caller id. The same man answered hello and I asked why he didn't id with his name and company if this indeed was PNC. He said he knew it was me. I hung up and called the customer service line at XXXX After being on hold for over 20 minutes I finally spoke with XXXX XXXX ( sp ) who did not know why I was not the full name of the employee I spoke with in customer outreach, and she was not familiar with the department. She opened a case with immediately with the escalation department ref # XXXX. I was put on hold and she was able to verify the employee XXXX by calling the number I provided. She said all employees are required to identify themselves. I also spoke with a supervisor XXXX XXXX ( sp ) He apologized and gave me the corporate office number. By the way ALL CALLS ARE RECORDED AND DOCUMENTED I was told. The number for corporate was not correct and I was given XXXX and spoke with XXXX XXXX, XXXX XXXXXXXX ( sp ) XXXXXXXX XXXX ( sp ). I was driving to Florida from New Jersey from work so I had to have a passenger take notes and the writing is hard to understand. This also kept me from stopping in my regular branch which I would have done when I was home. I was able to verify that XXXX was an employee and NOBODY could understand why he refused a name or employee number. At this point I felt violated, exposed, threatened, and very stressed which I can not have due to poor health. On Monday XX/XX/2019 I received a call from XXXX XXXX who was in customer retail escalation asking me to call her back at XXXX. I immediately called back left a message. When I heard nothing I called back again and the zero option to speak with someone. At this point I was overwhelmed by the experience and asked to speak with someone in the executive officeXXXX XX/XX/2019 I called the executive office and asked to speak with the person handling my situation to get answers and was told she wasn't available. I was then transferred to XXXX XXXX who read all the notes and told me he would need to listen to all the recordings and review my file. His number XXXX. He seemed to be genuinely interested in helping me but could not address my concern as to why employees refuse to identify themselves with both first and last name. Keep in mind EVERY employee I spoke with did so except for XXXX from client outreach. The answer I was given was it was the employees option for security reasons. He said he would do a complete investigation and I requested a call back by close of business that day. He said he wanted to be thorough and would need a few days but told me to call anytime and he would handle the case personally. I waited till the following week XX/XX/2019 and called several times leaving a message twice. I did so again periodically through the week. To no avail I finally called back XXXX today and got voicemail and zeroed out and spoke with a woman who assured me she would send XXXX an email immediately. I really feel that my privacy was violated by a bank that I have been with for over 20 years. Our relationship has been ok, but there have been other issues. I want something done and someone held accountable for this breach. There was a witness to the original call since I was driving and using hands free. I assure you that this was out of the ordinary and possibly illegal. I am looking into that now. I used to work in the Collection Industry for 30+ years in a VP level. NONE of this behavior would have been tolerated in a call center I operated. I have since left that industry and due to health issues I have devoted my life to helping people and working in the non profit sector. I waited until today to reach out for help because I can no longer accept this behavior and am very concerned that PNC bank, an entity that has access to ALL my personal information would be allowed to conduct themselves in this manner. HELP!!!
Company Response:
State: NJ
Zip: 08109
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I noticed yesterday that my pending transactions were going to put my checking account into the negative. It would've been the last largest transaction. This would result in 1 overdraft fee. This morning, the last largest transaction posted first before the smaller. This resulted in 4 overdraft fees instead of 1. The bank has consistently rearranged my transactions from greatest to least regardless of how they arrived to my account.
Company Response:
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I issued a check ( number 511 dated XXXX XX/XX/2019 ) for {$500.00} to a friend who lives out of town from my checking account with PNC Bank. When my friend went to cash the check at a PNC Branch in XXXX Virginia on XXXX XX/XX/2019, she was asked to pay 2 % of the check amount, in this case {$10.00} to cash the check. When I found out that my friend has been made to pay 2 % ( {$10.00} ) to cash the check, I complained to a Mr. XXXX XXXX, Branch Sales & Service Associate, at the PNC Bank Branch on XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I was informed that it is PNC 's policy to charge for check cashing if the person cashing the check does not have a business relationship, because of the 'risk ' the bank is taking to cash the check. I think this is an example of big banks continuing to exploit their customer by unreasonable charging of fees while returning the money that I deposited into the account. Please enact a regulation, to prevent the banks from charging any fees to cash checks presented to them in person.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello! My name is XXXX XXXX and I am contacting you all in reference to a Debt Collection of {$350.00} made by PNC bank on XX/XX/2019. This collection debit that was made by PNC bank was claimed to be for a payment that was overdue and wasn't received on XX/XX/2019, this payment was late but was not 30 days late and was paid on XX/XX/2019 due to a recent job change and the way my paycheck began falling within the system. On XX/XX/2019 I paid {$360.00} for my auto loan on my XXXX XXXX XXXX that was due XX/XX/2019. Again, while this payment was late it was not 30 days late. While checking my checking account on XX/XX/2019 I noticed another charge of {$350.00} made by a check that was supposed to be authorized by me to transfer this amount to my auto loan which I did not make or authorize. My payment wasn't due until XX/XX/2019, so PNC debited my account for a payment that wasn't due. After their unauthorized transaction of {$350.00} this resulted in my account being overdrawn $ XXXX along with a overdraft fee of {$36.00}. I attempted to reach out to this organization in reference to the {$360.00} that was unauthorized and transferred to my auto loan account without my permission and they stated that this was debt collection for when the payment of XX/XX/XXXX was not paid. I have a Installment payment notice slip stating that I paid {$370.00} which is {$6.00} above my regular payment for the month of XX/XX/XXXX. If this payment was late to PNC and was this overdue to this organization they never attempted to contact or reach out to me in reference to this supposedly overdue and unpaid payment, nor was it reporting to my credit bureau. I spoke to 3 different people including a manager on XX/XX/XXXX for over 3 hours. The first spokesperson I spoke to was very understanding and was going to attempt to get my money refunded to my account. While on the phone he attempted to transfer me to Online Banking which later disconnected me resulting in me calling back concerned for my bank account. When contact was made back with this organization I spoke to a female that was very rude and irate towards me and unwilling to help me resulting in me asking for a supervisor of which when I was transferred to a Manager. Once on the phone with the manager this female stated that my payment for XX/XX/XXXX was late and I had not payed this payment resulting in their collection agency removing {$350.00} from my checking account without my permission. The manager stated that I could dispute the charge but it would be too late for them to refund it to my account due to the upcoming payment for XX/XX/XXXX, she informed me that she would be providing me paperwork for a dispute to stop the transaction which I have never received 3 days later. The manager then refused to help me or look any further into my account after I stated I would be contacting my attorney in reference to this complaint. I contacted PNC Bank again on XX/XX/XXXX and I spoke to XXXX on in reference to the incident and XXXX confirmed that all of my loan payments had been made, while I had paid payments late - not one time had I ever been 30 days past due or sent to their collection department. PNC Bank still refuses to do anything in my favor to help me. I have attempted to reach out to this organization in an attempt to get my payment date modified to better fit my new paying schedule but they are unwilling to work with me. I have done everything possible to work this out within this organization and they refuse to help. Thank you for your time.
Company Response:
State: KY
Zip: 409XX
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My hardship began in XXXX, when the economy was at its worse. I lost my job in XX/XX/XXXX causing me to fall behind in bills until I found fulltime employment. When I found employment back then it still was not enough to cover all of my bills. I notified PNC Bank of my situation. We agreed to a repayment plan. I paid almost {$3500.00} and continued to pay {$1800.00} per month for 18 months that I have receipts for to confirm validity. PNC made an error on my account after paying the arranged repayment agreement. My payment plan was stopped in which I escalated to a supervisor for assistance to get back on my repayment plan. The supervisor restarted my payment plan back up. I paid every month as agreed. This plan began in the early month of XXXX and continued to fall XXXX. PNC made another error to the repayment plan stating that I owed another payment after the repayment plan finished. Once the payment plan was finished I made two months payments of the original monthly payment ( {$1200.00} ) before I fell behind. My payments were rejected and this is why we are here today trying to save my home. I am now employed with stable, fulltime, consistent income on a monthly basis. I am respectfully asking for you to help me keep my home as I have now owned since XXXX with a modification. PNC refuses to review and keeps closing it for review after they ask me to submit a modifciation. I escalated to the CEO of PNC name XXXX XXXX who sent it to his escalation team. The liaison name was XXXX XXXX. I was shocked on how XXXX handled this. SHe never reviewed the documents after confirming receipt. She relayed only messages from loss litigation or her contact person who was assigned to it. I faxed the modification packet and docs numerous times just for them to say the XXXX tax were not signed when they were so I resubmitted them again directly to XXXX of what was sent. I was also told that there was not 30 days of income and they wanted YTD income that was also submitted and resubmitted. I recent paystub was also sent so there were no issues. Yet, it was. XXXX sent a message to her contact person in loss litigation while we were on the phone letting loss litigation know the docs are there. I had to check back with XXXX on the status for her to tell me the same thing she was told. It was closed out for review. I had to ask why she said usually when its 2 weeks before the sale date it wont be reviewed. She also said it was already in denial. I was so confused of her position in this. I was shocked she never looked at the docs initially. She was also in charge of the modification being resubmitted. It was handled poorly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Since I open my new account with PNC BANK .. in XX/XX/2019. I had problems..first I deposit XXXX in cash, but when I when in person 3 or 4 times and call the corporate number a couple of times they made up a story. Stating that I deposit XXXX. Second, I try to prink out statements but this bank do not give you a full detail statement.. they only show the balance.. which is not how banking supposed to work.. please help I report them to people who promise that they would call back and they never do.. I just want my money back that PNC BANK stole ... thank you
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A