Date Received: 2019-04-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am being charged overdraft fees when the account is not negative. However after the overdraft fees are charged, this puts the account in the negative. This has happened on more than XXXX or XXXX occasions. The last XXXX dates were XX/XX/19 and XX/XX/19. On XXXX a check went through the bank for {$550.00}. This left the account with {$13.00}. XXXX days later on XX/XX/19 I was charged an Overdraft Fee of {$36.00}. This now left the account - {$22.00}. This happened again XX/XX/19 when the last withdrawal of {$150.00} left the account with {$17.00}. Once again was charged an Overdraft fee of {$36.00} however the account was not negative until after the overdraft was process. When calling the bank, they can not explain why overdraft fees are being charged when the account was NOT in the negative. First time it happened, PNC assisted with fees and refunded the overdraft fees. The past XXXX times, I get told sorry wont allow a refund. I have black and white proof account was not in negative! I should never of been charged over draft fees!!
Company Response:
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Had a PNC virtual wallet account that was in good standing, and I closed it over 2 years ago, in person, at the branch. I kept, however, getting statements that showed a {$0.00} balance and notices from PNC that my account address had changed after every time I moved, and every time I called PNC bank they told me that their system had been undergoing maintenance, so they were unable to even locate my account, let alone close it. 1 year ago the representative assured me that my account was closed, but today I got another letter from PNC bank telling me that it was to " confirm an address change request submitted by you or a joint account holder either to PNC directly or through the US Postal Service. ''
Company Response:
State: NJ
Zip: 07652
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Hi I believe I have been retaliated by PNC Bank for contacting the Consumer Financial Protection Bureau. I called on XX/XX/XXXX and spoke to a woman, XXXX and was told all my checks and I asked her to order them and they would be free and she would call me back on XX/XX/XXXX and tell me why this was not handled correctly in the first place. I never heard back and filed my complaint. I called today to make sure my check were actually order. XXXX told me because I filed my complaint XXXX XXXX was handling this matter. I was never notified that XXXX XXXX was handling it. XXXX did not order my checks and then tried to tell me checks were only free on the the master account which is not disclosed on the fee schedule. All checks are free on the Performance Select Checking. It does not say only the Master Account. This should be disclosed to the consumer. Finally she ordered the checks. XXXX refused to overnight the checks even though the check order was delayed by 2 days as retaliation by XXXX since I contacted the Consumer Financial Protection Bureau. It should be mentioned that I called XXXX Bank and requested that I receive a check order on all my accounts as they are free on the fee disclosure.
Company Response:
State: PA
Zip: 17543
Submitted Via: Web
Date Sent: 2019-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Other service problem
Subissue:
Consumer Complaint: FridayIdepositedacheckandwastoldIneededtopayafeetoaccessmymoney.However,myaccountwasalreadyoverdraftedandIcouldn'taffordthefee.SoIcalledandwastoldmycheckwouldbeavailableMonday,whichwasalie,andothertoldmeTuesday.Pncbankisnotgoodfortheworkingpoor.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2019-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: PNC is manipulating payment transaction dates so that they can unfairly charge excessive overdraft fees to their customers. On XX/XX/2018, my account had a balance on {$21.00}, I used my debit card for a purchase amount of {$7.00} which would have brought my account balance to {$14.00}. On XX/XX/2018, XXXX XXXX extracted {$44.00} from my bank account which would have overdrawn the account as I thought the debit was coming out of my XXXX XXXX XXXX account and did not realize it was scheduled to pull from PNC. Once I realized the error, I deposited funds on the following business day to cover the transactions. The {$7.00} transaction did not post until the 7th and the {$44.00} transaction did not post until the 10th so funds were in my account at the time the transactions posted. When you review my account history the only transactions that overdrafted the account are he fees that PNC charged. However, PNC decided to manipulate the postings and reduced my available balance with the XXXX debit before the {$7.00} transaction which was from the XXXX at XXXX XXXX and charged me overdraft fees for both, when in reality, funds were available when both cleared, and the funds were available for the first transaction when it was pending and posted. I called PNC multiple times to try and come to a reasonable agreement for the excessive fees that were unfairly charged. Each time ended with me being hung up when I insisted on holding to speak with a supervisor. PNCs website is flooded with advertisements about how they can help with achieving your financial and investment strategies. Im struggling to understand with how manipulating payment postings to charge excessive overdraft fees to someone who is obviously struggling financially is helping someone financially? Also, how customer service assists by hanging up and then mailing my correspondence to my old address which is my parents house and was updated years ago? Unfortunately, Im basically helpless as I am one customer that is being stomped on by a large bank. I file this complaint in hopes that regulators will step in and make this behavior illegal so that more customers are not taken advantage of.
Company Response:
State: PA
Zip: 18704
Submitted Via: Web
Date Sent: 2019-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The supervisor Mrs. XXXX from the PNC bank, yesterday, XX/XX/2019, re-opened a claim on one of the transactions of my debit card, but hadn't informed me that she also closed my debit card. Today, I was trying to get funds from my debit cards from 2 ATM 's, one at one of the PNC branches, and could not see neither my balance nor withdraw the money. Having not informed me about the fact that the supervisor had closed the card, Mrs. XXXX had violated 1. the Act about the Free Access to Information ; 2. my Human Rights ; 3. my customer 's rights. She inhumanly put me at the situation, that I can not freely use my own funds, having spoiled my weekend and having stressed me, which is not advised by my doctor.he I spoke with another supervisor Miss XXXX, who said that there was no way for me to get the necessary funds today. She advised to go to one of the branches tomorrow, which is impossible, as they are opened before the time I can reach them : I am working during their business hours. Their service is bad, and I will inform about it everyone I can. XXXX XXXX P.S. Having made a mistake, the Bank SHOULD have a way to reopen the card as quickly, as they had closed it not violating Human Rights of a customer!
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2019-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: from XXXX to early XX/XX/XXXX my debit card was used at an online casino for a total of {$2500.00}. I went into the bank filled out a dispute got a new debit card and given intial credit of XXXX, then in XX/XX/XXXX pnc took my hard earned money back and said they completed there investigation. Really? This money was stolen from me and pnc allowed this to happen.
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2019-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Hi my husband and I called PNC Banks direct banking center on XX/XX/XXXX to order checks and spoke with XXXX. She said there would be no charge for my checks and she would change my account so there would be no charges for checks on any of my accounts and there would be no fees. On XX/XX/XXXX I received 2 notices from PNC Bank saying my account had been converted and there was a fee schedule attached. On XX/XX/XXXX My husband and I called PNC Bank and spoke to XXXX the supervisor for an hour and half. We were told we were being charged for checks it does not matter how much money you have. She refused to put my accounts back to what they were prior and insisted if I did not keep certain balances in each account I would be charged. I told her there were months that I did not keep that balance level and was not charged. She did not believe me and I asked her to look at old statement and she refused. I had to get my statements form the basement to prove to her I had Performance Select Accounts. She refused to provide free checks on all my accounts. On XX/XX/XXXX I was so frustrated I said I was going to use XXXX to get help and then she refused to help me at all as retailation. On XX/XX/XXXX I was looking at the fee schedule and saw that I qualify for Performance Select Accounts which requires {$5000.00} of deposit in checking ( I have {$49000.00} ) or {$25000.00} of checking and brokerage investment ( I have {$150000.00} ) These balance allows for 8 free accounts and free checks on all my accounts. XX/XX/XXXX I spoke to XXXX at the executive escalation and she confirmed that I had enough money to receive free services. XXXX would not explain why I was lied to and kept on the phone. She said she had to listen to the call. She said she would listen to the call and give a me a call back today and she did not. She also referred to the fact that I complained once before a customer service representative tried to charge me for an new bank card which should be free too. I think customers should be give fair and honest information and not retaliated and discriminated against if they complain that are not getting the services they are entitled to. I am not sure but XXXX was a manager and should have been able to review my accounts and offer the correct product and honor the free services. She did the contrary and refused to provide the free checks I was entitled to. It seemed to deliberate and retaliatory.
Company Response:
State: PA
Zip: 17543
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Other transaction problem
Subissue:
Consumer Complaint: To Consumer Financial Protection Bureau TO WHOM IT MAY CONCERN RE : Complaint against the PNC Bank NA., Transection Code # XXXX Dear, CFPB Authority XXXX I am a victim of fraud and scam. I wired {$32000.00} from the PNC bank, XXXX, MI to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX ) on XX/XX/XXXX at XXXX XXXX EST. The transection Confirmation number # XXXX. After the transection, within the 5/10 minutes I realized that it was a mistake and immediately within 15/20 minutes I went back to the Bank. I asked Mr. XXXX, the banker who completed the initial transection to cancel my wire transection. Mr. XXXX, denied the cancelation and dismissed me. I was in XXXX and felt XXXX XXXX XXXX XXXX. I was heartbroken and distressed and disappointed. The banker did not help me nor advice me what should I do. Then I went back to my home branch of PNC in XXXX, Michigan. I was denied the service and been mistreated by the local bank manager as well as. lack of professionalism and absent of professional conduct and dismissive towards me was most challenging than my financial loss. I was dismissed and discriminated on my rights to cancel within the 30 minute clause that was printed on the receipt. Meanwhile we been to few different PNC branches location to seek help. I demand that the PNC would be investigated for breaching the contract of " 30 Minutes Clause '' as well as their " Punitive & reckless action of denying my federal rights of Consumer Protection '' After 2 months of battle between me and the PNC bank I was denied any legal help and service and I received email from them that they can do nothing about the funds. Also the executive top officials informed me that they are not responsible for the funds. I understood, that I was given a receipt which clearly states that, I quote " You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. '' Me, my family we suffered just not only financial hardship but the added reckless treatment from the PNC, a corporation of financial industry 's discriminatory dismissive unreasonable conducts which is a violation of my " Consumer Financial Protection rights '' a federal right reserved by the Bureau of Consumer Financial Protection. Here are the five claims against the PNC I am seeking justice from : Claim ( 1 ) Breach of Duty : # The PNC Bank know or should have known that the transection is cancelable and fully refundable as long as the a consumer cancel any transection within 30 minutes, unless the funds have been picked up or deposited. Merit of my claim : On XX/XX/XXXX at XXXX XXXX, I XXXX XXXX completed the transection and I was given the receipt. I left the bank immediately and I realized the transection is not good for me and I need to cancel the transection. I sat inside my car and I didn't know what to do but after checking the receipt and speaking to my family I was advised that I should go back to the PNC Bank and request for the cancelation. I believe at around XXXX XXXX- XXXX XXXX I went back to the same bank cashier ( Mr. XXXX ) and asked him to cancel the transaction and I asked for refund of {$32000.00}. I was dismissed and denied even I had the receipt and I went there within 30 minutes. As because their reckless disregard action I was denied my federal " Consumer Financial Protection Rights ''. The PNC Bank must be held libel for their federal violation and must be compel making sure they do not deprive any one again in near future. PNC Bank has a Duty to perform and follow the contract ( the receipt ). PNC Bank was being negligence. PNC Bank breached the duty and that caused the damage of my {$32000.00}. Therefore, they should pay me back {$32000.00} and nay other incurred amount that would be added for the time from XX/XX/2019 until the refund. Claim # ( 2 ) Punitive Damages to deter the wrongdoer : A claim of Punitive damage in nature against the PNC Bank to uphold the federal standard of Consumer Financial Protection. Merits : As a client of PNC Bank I was mistreated, I was dismissed, I was denied my service, I was denied my rights, I was bullied and discriminated by the PNC banking System. PNC created a total XXXX XXXX and financial hardship from their misconduct and misappropriation of funds and the suffering of Infliction of XXXX XXXX causing by their punitive nature in conduct. The bank Manager of XXXX Branch discriminated me when I went to resolve the issue. I was denied my consumer protection right at the initial bank where I made the transection. Matter of fact, I was un welcomed and the manager did not even offer me to sit and did not allow me to enter his room, it was a total disrespect, unprofessional and mistreatment from a corporation like PNC BANK NA., ( Corporate headquarters at XXXX XXXX XXXX, XXXX XXXX PA XXXX ) and their local branch in XXXX XXXX XXXX MI, USA . I demand a judgement for Punitive damage. I demand and claim that making sure in future, not only PNC Bank NA., but also any other financial corporation do not mistreat and misappropriate when it is consumer rights. This is so important for the public policy and to up hold a very consumer federal rights I am seeking this punitive damage for the purpose of deterrence. Claim # ( 3 ) Intentional Infliction of XXXX XXXX : Intentional Infliction of XXXX XXXX : Since XX/XX/XXXX I have been suffering from XXXX XXXX. The XXXX of XXXX XXXX ( XXXX ) caused by the reckless financial action and conduct by PNC Bank and it's employee. The PNC Bank have a duty to safeguard the clients and their financial status as long as permitted by the rules, regulations of federal and sates codes and statues. In the entire time of past 10 weeks, my family and I, we as a family been deprived from the financial freedom and added the XXXX XXXX causing me emotionally impaired. Merits : I am having XXXX XXXX, I am having lack of sleeping, I am having loss of appetite, I am having lack of confidence and overall I am dehumanize by the PNC Bank and it's employees. I assert that PNC bank is solely responsible for my XXXX XXXX. I demand Justices and seek remedies. Claim # ( 4 ) Negligence Claim : Merritt : PNC Bank and it's employee had a duty to refund me the full amount of {$32000.00} within the 30 minutes of cancelation and they denied me from my service and rights. As a financial organization and a corporation their duty is higher than any individual and the employee of an organization is treated the representative of the PNC Bank, therefore the PNC failed to follow XXXX simple direction which is their negligent action and such conduct of negligence should not be tolerated due to the public policy and because of their higher burden of duty, it's very clear and convincing that PNC Bank NA was negligent in their action on XX/XX/XXXX. Therefore, The PNC Bank NA., should be found liable for negligence claim against their corporate misconduct and employee misappropriation 's of clients ' funds. Claim # ( 5 ) Consumer funds misappropriation Merritt : The PNC bank NA failed to properly handle its client 's funds and still today I have no knowledge and idea when and how I will be able to get my money back from the PNC Bank NA., or not. It is clear and there should be no doubt that PNC Bank misappropriated my funds whereas the cancellation of the transection would be fairly a norm and easy process, yet I was denied that simple process and I met the requirement of full refund which is a 30 minutes window of cancelation. I demand that PNC Bank must answer to the federal authority for their consumer funds misappropriation. Conclusion : 1. Breach of Contract ( Violation of 30 Minutes window ) : I demand full refund of {$32000.00}. 2. Violation of Federal Consumer Financial Protection Rights : I demand Punitive Damages & establishment of Public Policy. 3. Intentional Infliction of XXXX XXXX : The employee 's action was so reckless and dismissive on purpose and volitional that caused me and I sustain Emotional Distress. I seek torts claim against the PNC Bank. 4. Negligence Claim : Due to PNC Bank 's negligence action I sustained financial harm and still I am suffering from their negligent conduct. I seek negligence claim against PNC Bank NA., and it is clear and PNC banks negligence caused me all the harm and mental and emotional tortures and suffering. 5. Consumer funds misappropriation : PNC Bank NA., has misappropriated my funds, sums of {$32000.00} and they must be hold accounted for. I demand full refund of my funds plus the bank should be held liable for their action as well as they must be deter from the future conduct of " Consumers ' Funds Misappropriation ''. Request for Relief : Please advice me how I can get my {$32000.00} back and the government must take appropriate action to deter PNC Bank from future misconduct and misappropriation that I seek punitive dames and remedies for all above claims. Thank you. ( Victim of a Corporate Misappropriation and violated my federal Consumer Financial Protection Rights )
Company Response:
State: MI
Zip: 48212
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I inherited the home from my mother and it had a loan on the home. I was paying the loan and received a call from PNC after the house was going through probate, telling me they forgave the loan. Then I found out that the bank filed foreclosure saying that my mother had no heirs and the house was abandoned. I was never notified of the foreclosure. I wrote the judge and the sale was stopped. Since XX/XX/XXXX I have been working with PNC to lower and work out payments but they still send everything in my mothers name. Now on XX/XX/XXXX I found out that the bank is up for sheriff sale again and once again I was never notified of the foreclosure process.and still getting letters from PNC bank saying that they are willing to work out payments with the heir of my mother.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A