Date Received: 2019-04-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received the sum of {$8200.00} in my checking account with PNC bank from one XXXX XXXX my business contact on Thursday the XXXX day of XX/XX/2019. I went into the bank the next day to get this cash, so as to be able to complete my part of the business. My bank refused me access to the funds in my account and outrightly declared the transaction fraudulent. I have reached out to the bank for reasons for such action and have also called them on several occasions to no success. They said that my account is under investigation and wouldn't give me anything to prove to XXXX XXXX that I have not scammed her off her money until the investigation is done. I write to have this remedied as I think this is the best thing to do
Company Response:
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I made a check payable to the US Treasury Department on XX/XX/2018. A PNC customer ( named XXXX ) deposited the check into their own account ( it seems to be a business customer ). I have contacted PNC and XXXX and neither have responded despite my 3 times to contact them
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to purchase a puppy online for {$950.00} on XX/XX/XXXX, on XX/XX/XXXX the seller never mailed the puppy which was the day I was suppose to receive the animal. Once I noticed the puppy wasnt sent a police report was filed on XX/XX/XXXX at around XXXX due to the scam. Police have proof and evidence that I didnt receive any merchandise which in this case was a dog. I tried to contact the bank on 3 separate occasions the first one was on XX/XX/XXXX and they denied my claim a couple days later because in there terms I authorized the payment. On XX/XX/XXXX I called again to refile the dispute which as of yesterday XX/XX/XXXX was denied again. It's just crazy because I tried to make a purchase and never recieved what I intended to buy now the bank doesnt want to work with returning my funds.
Company Response:
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2019-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I use an online merchant to make purchases using my PNC Bank debit card associated with my savings checking account ... Immediately upon making the transaction on the site, it is recorded by the merchant and also appears on my PNC Bank online account in the pending transactions and the amount is removed from my balance ... I may make many such transactions in the same time period using the same debit card and with the same merchant ... All such charges initially appear on my PNC Bank online account and alerts are generated by my PNC online Banking account and I also receive both a text message to my phone and an email verifying each of these purchases almost instantaneously ... then some time later without my prior knowledge or consent PNC Bank arbitrarily removes some of the charges and adds the amount back into my account balance and the charges completely disappear from my account ... NOT even showing as pending and then sometime between three days to one week later the charges begin to arbitrarily reappear in the posted category and again are removed from my balance ... I have contacted PNC Bank customer service three times and the initial explanation given was PNC Bank contacts the merchant to verify that I made the charges and that merchant billed me for the charges ... I also directly contacted the merchant business and billing department in between the contacts with PNC Bank.. The merchant told me that they never verify charges with PNC or any bank ever ... I have spoken to PNC Executive Client Relations ... at no time did anyone from PNC Bank deny manipulating my account by removing legitimate charges without my prior knowledge or consent. The only solution offered by PNC Bank was that I am free to choose any other financial institution ... I only request that PNC Bank stop manipulating my online bank account by removing legitimate charges under false pretenses and with out my prior knowledge or consent..I have previously sent this complaint to the Office Of The Attorney General of the State of Indiana and received a letter stating the complaint had been forwarded to the CFPB ... when i contacted CFPB the representative could find no such complaint or information from the Indiana Attorney General ??? I believe this is a scam to enable PNC Bank to charge overdraft fees ... my opinion Thank you XXXX XXXX XXXX
Company Response:
State: IN
Zip: 46135
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I should be over drafted a little over {$300.00} but PNC is taking advantage of eveything and has charged so many overdraft fees i dont know how ill recover. Where it sits PNC has my account overdrafted almost {$600.00} most of which is overdraft fees charged over and over. They refuse to help me and refund such fees to allow for me to be back on my feet. My family is going without food and our water is about to get shut off because when my check does hit its not going to cover anywhere near what PNC has charged to my account.
Company Response:
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2019-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-12
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: None of my credit card companies will defer payments.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: PNC bank in XXXX New Jersey in the year 2013 claimed that I took money out of my minor children 's accounts of nearly amounts of XXXX XXXX XXXX XXXX XXXX XXXX which caused me to get a judgment where I had no knowledge of those accounts and they were not supposed to be enter into XXXX with my account I had a bond on those account with my trust attorney I would never kept in the loop I hate the me get my due diligence I with never this close to meet all of the out of the acts of going on and it was intentionally set up that I that money become XXXX and I want an investigation subpoenas that have might thing court even though statue the limitations the as 'd be exe exe a different circumstances here I with ill and thick in-and-out of hospitals and I deserve my right in court
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is not a problem with my mortgage so much as it is with an insurance claim to my mortgage bank, PNC Bank. I had a house fire in XX/XX/XXXX. My insurance company and I sent the bank the adjusted estimate check at the first of XX/XX/XXXX. The bank released the funds as described in their literature. No problem. In XX/XX/XXXX I sent another check I received from the insurance company for the cost of demolishing the house and cleaning up the debris from the fire. On XX/XX/XXXX this check appeared in my mortgage bank escrow account. Fine. Since that date I have been trying to get this mortgage bank to release those funds so that we can pay the subcontractors who have been rebuilding my house. They first wanted additional information on the adjusted estimate. I had my insurance adjuster contact them to give that information. I waited a week and called their claims department to ask why they had not released the funds. They said they had not received the information from the adjuster. I had the adjuster again sent them by email to a particular person in the claims department. No check. This has been going on in the same manner for over 3 months. I have the subcontractors filing liens on my property since they have not been paid. I call the claims department of this bank every day to ask why they haven't released these funds. I get a variety of answers. Now it's they are converting from and old records system to a new one and it will take 5 or 30 days ( depending on who you talk to ) to be able to review by records. I ask for a supervisor. None are available. I ask for a supervisor to call me. No call. I emailed and wrote a letter to the person on charge of account services. No reply. At this point I believe I'm going to have to file a law suite to get this money released. But that will take more time than I have. Can anyone get these XXXX to release these funds?
Company Response:
State: OR
Zip: 97701
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed. I met a guy on XXXX dating site. After months of communicating, he claimed he couldn't get into his bank account in US, ( he was suppose to be working on a building a mall in XXXX ) because he had been hacked before. Two months later he came up with a plan to to put me on his bank account and I would cash the check to pay his workers so that he could return back to US. He had checks made from XXXX XXXX in my name. I thought he was sending a check with our name on it. Checks come to me with only my name on it, he tells me to write a check for {$4900.00}, deposit it and he would call his bank to clear it. He told me to go the next day take out {$4600.00} and put into another account. I wasn't able to do that because we didn't have that bank in Maryland. He told me to place money in a book and place in a box and mail to an address. I mailed it. That night my bank card declined. I tried to stop the mail from being delivered. Too late. I went to bank and explained what had happened, got a police report. I know I am responsible for paying this money to the bank, but I don't have any money now. I lost my money also. I need an attorney but I can't afford one and I don't know what I am suppose to do. The bank has me down for fraud.
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had a checking and/or savings account at the PNC XXXX XXXX Branch, XXXX XXXX, NJ since XX/XX/XXXX. At one time, my wife and I had joint accounts for each of our XXXX children. So, I understand custodial banking accounts. Until recently, we have never had any problems accessing our accounts or resolving any issues that arose. So, over a 28-year period, we have never had any issues with our service or bank personnel. In early XX/XX/XXXX, I received a telephone call from a XXXX, NC PNC branch customer service person about assisting my niece in opening a PNC account at that branch. Without explaining the issue, he stated that my niece needed support to open a checking account. And, since I was a long-erm PNC customer in good standing that would help. Of course, I agreed. We had no discussions about opening a custodial account. And, I never spoke with or had any further contact or interaction with any NC-based PNC personnel. Nor, did I receive any correspondence or bank statements. Since my niece opened the account, a few times a year, my niece would ask for money and I would make deposits into her account. In late XX/XX/XXXX, I received a frantic call from my niece that her bank account had been overdrawn. In her hysterical and emotional state, she claimed that it was my fault because I had been taking money out of her account. Her explanation about the overdrawn account did not make any sense. In response to my nieces frantic telephone call and accusation, I called PNC customer service and visited my local branch. Interestingly, when I initially called PNC customer service, they insisted that I receive permission from my never to discuss to account Since my involvement in this matter, I have spoken to or interacted with PNC customer service personnel, at least 20 times. The issue has not been resolved. The problem from my perspective is as follows : 1. The account that I helped my niece open in XX/XX/XXXX was a regular checking account. In fact, when I initially called PNC to help understand the issues, PNC customer service required that I receive permission from my niece to discuss the account. 2. It is apparent that without consulting or informing me, the PNC customer service personnel in NC enabled, assisted and guided my niece to open multiple connected accounts without my involvement or knowledge. 3. These new connected accounts, while they may have provided some enhanced services to my niece, they also incurred additional costs and obligations to the account holder. 4. Further, PNC allowed ( most likely encouraged ) my niece to use her debit card as if it were a credit card while accumulating multiple overdraft charges/fees for each transaction. 5. During the multiple conversations that I had with PNC personnel, they alleged that the problem with my nieces account was attributed to a wage garnishment in NJ that occurred in XX/XX/XXXX. To date, PNC has not provided any documentation to support that claim. 6. On XX/XX/XXXX there were 68 Debit Adjustments to my nieces PNC bank checking account that totaled {$3200.00}. This series of transactions caused the account to be overdrawn by {$3000.00}. This overdrawn status has not been resolved. 7. None of he PNC personnel that I contacted could explain the legal and banking justification for all of the Debit Adjustments to occur in a single day. And no one could explain the connection between an alleged NJ wage garnishment in XX/XX/XXXX and the actions taken on XX/XX/XXXX to a NC PNC bank account. 8. And, worst of all, more than one PNC account representative suggested that my niece just walk away and close the account because I would be responsible as the long-term parental PNC customer. 9. After months of conversation, to no avail, on XX/XX/XXXX, I received a notice that PNC had referred the matter to a collection agency for the amount of {$3200.00}.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A