Date Received: 2019-04-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Friday, XX/XX/XXXX at approximately XXXX XXXX, I electronically initiated a transfer of funds ( {$29000.00} ) from my XXXX XXXX account to my PNC Bank checking account. On Saturday XX/XX/XXXX at XXXX I received a e-mail from XXXX XXXX stating that the funds transfer I requested had been sent to PNC Bank. ; The problem is that PNC Bank did not credit my account until Wednesday XX/XX/19. I can not understand why with the technology we have today, the transfer of funds should not take any longer than one day. I was in the process of purchasing a new vehicle and needed the funds.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been trying for several years to get this item removed from my credit report. I have contacted the credit bureaus and the creditor to get this item removed. Back in 2013 I was a victim of identity theft and I informed both the credit bureaus and creditor of this matter. I need this item removed immediately as It has been hindering me from moving forward with other financial matters
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I made a XXXX purchase for vintage clothing that was to be shipped to me immediately after purchase in the amount of {$130.00} with the description for clothes. The merchant never sent the items and I sent a XXXX XXXX request for the amount I paid which was rejected. I contacted the merchant several times with no response for a refund ( email and social media which I can furnish proof ) Ive since filed several claims with XXXX and each time has been denied ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX thats as far as i could go on my phone but there are several more ). I also filed claims with my funding bank ( PNC ) on 2 occasions which were both denied as well which i truly dont understand. I dont think its fair that its going on 7 months and both PNC and XXXX continue to give me the run around on processing this fraud request.
Company Response:
State: MO
Zip: 63146
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I received a letter from PNC stating my account should be closed by XX/XX/XXXX as a business decision by PNC bank. I spoke with XXXX from PNC corporate office in XXXX, PA on XX/XX/XXXX. I have sent him numerous emails and calls and he has not contacted me back. I am being charged fees from my credit line and service charge fees as my accounts are still open. All my accounts need to be closed ASAP and all fees waived by PNC Bank as they did not execute the closure by XX/XX/XXXX.
Company Response:
State: NJ
Zip: 08002
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: I attempted to purchase from an online retailer on XX/XX/XXXX who claimed to use XXXX as a means of payment, as it was most safe. After receiving a confirmation number and not being able to contact the seller I contacted PNC bank, where I made the transaction, after getting suspicious on approximately XX/XX/XXXX and inquired about how XXXX works and asked to cancel the transaction. I was told to let the payment go through then to file a dispute. On XX/XX/XXXX I received a letter dated XX/XX/XXXX, reference # XXXX saying the dispute has been resolved and was denied. I called to request more documentation on why it was denied and was told all XXXX disputes are denied because of the nature of the payment.
Company Response:
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XX/XX/XXXX, {$25.00} service fee XX/XX/XXXX, {$25.00} service fee The customer service representative also mentioned to me that there are service fee charges for XX/XX/XXXX. When I opened this account, no one from PNC told me that I had to maintain a statement balance over {$5000.00}, and otherwise, I would be charged for a service fee. When I called PNC today to dispute the service fee charges, it was the first time that they informed me about the benefits associated with this account and the balance requirement. I have never used any of those benefits.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2019-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2019 at approximately XXXX XXXX EST, I awoke to an email alert, timestamped XXXX am, on my phone and it stated my account was over drawn. I immediately checked my account through online and mobile banking. I was surprised to see an ACH debit I forgot about did in fact overdraft by {$10.00} usd. I also saw that I was charged the overdraft fee of {$36.00}. I am set up for account alerts so I was shocked to see as soon as I was in receipt of the alert the fee was already assessed. I contacted PNC Bank customer service and expressed my concerns but was told by the representative " it looks like the fee was properly assessed. Me personally, I don't use those alerts. I use xyz alerts. They are in real time. '' She informed me there was nothing she could do about the situation. I asked to speak with a supervisor. She said she could take my number and a manager would call me another time to discuss ways to avoid this in the future. I told her that was unacceptable and I would like to speak with someone at the present time. I was put on hold for a few minutes. The manager came on and said the alert is not in real time and there are a different set of alerts to sign up for that are in real time. He said " I see you have online/mobile banking so you can check your account at anytime. '' I'm not sure what this had to do with my situation. He said the account is processed at XXXX and that is when the account actually shows overdrawn and the fee is assessed at that time and the alert is emailed after the fact. I asked him " If the card was not physically used by the customer what reason would you have to just assume your account needed attention. '' Bottom line is that neither the representative nor the manager even attempted to assist with the situation. I am really considering closing all accounts and cutting all association with this institution. If you are told setting up banking alerts are a great option so you do and later when an issue happens you are told you should have signed up for another specific set of alerts just does not seem like you are concerned with customer service nor satisfaction.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2019-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged 2 overdraft fees in the amount of $ XXXX/fee by their manipulation post dates on my direct deposits and charges.
Company Response:
State: KY
Zip: 40047
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: On XX/XX/XXXX I tried closing my account at PNC Bank. I withdrew my money and started an online chat with their customer service to close the account. Apparently the account was not closed and I was charged a {$25.00} fee the next day because the account went under the required balance. After realizing the situation I called PNC on XX/XX/XXXX and they refused to credit by account for the service charge and also refused to close out the account. They also said I would continue to be charged {$25.00} a month as the account can not be closed with a negative balance due to the fee I was charged by them not closing my account in the first place.
Company Response:
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I attempted to open a high yield savings account in XXXX, and PNC said I'd receive a response by email within a few days. Not only did they not email me, they rejected my application citing the Patriot Act saying they were unable to verify my identity. At no point did they give me a chance to submit further material. I submitted my driving license information and several attempts to rectify this resulted in " I don't know what happened '' from the company, including from the escalation agent, the consumer verification department, and the Patriot Act compliance branch of the consumer verification department. Nobody has been able to tell me what's going on, and numerous people straight-up just said they had never heard of this issue before. The Patriot Act compliance branch was also a third-party company and the person there was going on about some nonsense about how adverse credit events can be a cause for rejection, but still this person had never heard of a Patriot Act rejection before. She said she could try to fix the issue if I handed over an inappropriate amount of my personal information to this third-party company but there were no guarantees.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A