Date Received: 2023-07-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XX/XX/2023. I miss placed my card after paying for some thing at a restaurant I realized I left my card so I went back in and they handed me my card after going back to the restaurant which was XXXX XXXX and XXXX Michigan few days later XX/XX/XXXX my card was stolen. I filed a police report gave my financial institution which is PNC bank a copy of everything that they possibly needed. I did everything on my end. I disputed the charges they gave me a new card but they keep denying the claim it has been multiple charges it has been charges made in areas that I dont live in I live in XXXX XXXX it was a charge made in XXXX for {$700.00}. I dispute the transaction quickly. They have denied my claim at least three times. My account is overdrawn. I am one month late behind on paying my mortgage. Ive had multiple people to try and help me and XXXX me money in my account for me to be able to pay a bill they took the money because my account is completely overdrawn because they reversed, the claims with the charges I did not make it was another charge for XXXX for a hotel. I did not stay at. I filled out the paperwork and sent everything to them as well as the police report. They denied every single claim and now at this point, they are threatening to close my account due to it being overdrawn, I dont want to go into foreclosure I just want my money put back in my account I did not make the charges. Ive stressed this to them. Multiple times I spoke with bank managers I spoken with everyone I possibly can. Everyone keeps telling me it can take up to 90 days, I dont know what else to do if my purse phone everything was stolen I dont even have my car. My car has been broken and unable to get fixed due to lack of funds. I did not make that trip to XXXX all the credits that they issued me they reversed, which put my account in the negative. For XX/XX/XXXX it was a charge made in XXXX Ohio. For XXXX I dont live in XXXX Ohio . My bank at this point is allowing whoever stole my card to get away with it at this point I just want my money back and I just rather close the account and go to another bank but I just need my money back immediately. I do not want to go through a foreclosure. Its almost the first of the month which means I will be two months behind on my mortgage. The bank said to me the reason why they denied the claim is because I used my card that day. It dont make sense. Its my debit card. Of course I used my card that day up until it was stolen so it just dont make sense the reason for them denying me my money I received a XXXX I received money. I went to the ATM and withdrew {$200.00} I had a friend to XXXX me some cash and because of that they denied the claim it doesnt make sense and I feel like my own bank is scamming me by not refunding me my money after it was stolen and a police report has been filed and now theyre trying to close my account after they denied my claims.
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I dispute the inaccurate reporting status on my PNC Bank account, which is negatively affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misleading and are having a significantly adverse impact on my creditworthiness. I want to emphasize that the account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is crucial for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of my PNC Bank account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off. I really do appreciate your attention to this matter and look forward to a timely resolution. Thank you for your prompt action in resolving this dispute.
Company Response:
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was told ( and call was " recorded for quality and training purposes " ) when calling to make payment for XXXX that I didn't owe anything because I had paid ahead on the loan. Both automated and actual person owed {$00.00} for XX/XX/2023. I then found I was reported as delinquent for XXXX to credit agencies. I paid the {$17000.00} loan off in full in XXXX. But still shows I was delinquent in XXXX. I was not. Have had numerous calls, so many I have lost count, and also emails go completely unanswered.
Company Response:
State: WV
Zip: 250XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Having trouble closing deceased family accounts at PNC bank since XX/XX/XXXX. I went to bank location in XXXX MD with family members information and was told accounts were closed and XXXX XXXX would be scanned and placed on file. I returned tio follow up and Manager was no longer at the location and New manager explained info. was not scanned or on file. Recently followed up with another PNC location XXXX XXXX XXXX XXXX on XX/XX/XXXX. Spoke with rep. who advised I needed letter of administration to close account. I explained it's been 4 yrs. and i was told I only need the Death cerfificate and other identifying information to close and remove funds from account. On XX/XX/XXXX, XXXX recieved notice from PNC that an unknown person charged {$55.00} to my deceased familys Debit checking account. That evening no one could help telephonically at PNC from the telephone number listed. There was no signature of who sent this letter. or the other letter received stating an account was paid in full. I am asking for the closing of this account and funds be forwarded. I am the decedents daughter and have been diligently working to close these accounts since XXXX XXXX XXXXXXXX.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On Friday XX/XX/XXXX while attempting to use my debit card to pay for XXXX XXXX, my card was declined. Assuming that the reason that it was declined was an automated security check I proceeded to wait 10 minutes for a phone call or an email requesting my personal information to verify that it was me using the card at that current time. When I didn't receive any security alert I contacted the customer service number listed in the mobile phone app and I was told that my card was blocked for a security check. At which point, I was placed on hold for 15 minutes and then the call disconnected suddenly. I immediately called the customer service number again and again ; the same result. After trying to get the issue resolved I gave up for the day with the intention of contacting the customer service number in the morning. On Saturday XX/XX/XXXX I reached out to customer service to get the security issue resolved and I was told that my account is being restricted due to an event that happened in XXXX of XXXX. However, I have used my card for several transactions since XXXX of XXXX so there's no logical reason for blocking me on a Friday in XX/XX/XXXX behind a " suspicious '' transaction in XXXX.
Company Response:
State: OH
Zip: 44108
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XXXX - deposit check, teller verified check was endorsed properly and completed transaction. Check was deposited, cleared and funds in the account XXXX. XXXX - personal check provided to roofing company, post-dated XXXX. XXXX- Roofing company cashed check, check was cleared by PNC with funds available in account. XXXX - Check returned to PNC for irregular endorsement. Funds removed from account, causing negative balance and previously paid bills were returned for insufficient funds. XXXX - We tried using our debit card and were denied. At this point, we thought we had been hacked, as no communication was provided. We contacted PNC and XXXX XXXX not sure last name, but conversations were recorded by PNC from day XXXX ) let us know the check was returned and to contact the insurance company. XXXX - Contacted insurance company and were told to use the returned check again or they would provide a new check. Was advised to use whatever came to us first. Days later, the check was returned. We brought it to the mortgage company for endorsement. A few conversations were had between me and XXXX XXXX recorded by PNC ). It was stated the teller made an error. We were told our account will be placed in ledger more, so it would not be closed until we figured things out. Our direct deposits continued to be accepted by PNC each week and deducted from the negative balance. We did not have access to these funds during the entire time this ordeal went on. XXXX - Check deposited by PNC teller, once again, stating endorsed properly. Check deposited, cleared and funds available in account XXXX. We proceeded to pay our now past due bills a second time. XX/XX/XXXX - Check was returned to PNC for irregular endorsement. Funds were immediately removed from the account and previously paid bills were once again returned for insufficient funds. We received the check again and drove to the roofing company for endorsement. The check now is endorsed by us, roofers, and mortgage. XX/XX/XXXX - Deposited check into the savings account, teller certified check was endorsed properly. Check was deposited and cleared. Funds were made available and we proceeded to pay our severely outstanding bills. ( Since we no longer have access to our account, we are not sure of exact dates moving forward ) Check was returned for the XXXX time. The insurance company voided the check without our knowledge. We went through the process of getting proper endorsements with the new insurance check. That process took several weeks. XXXX - New check with proper endorsements was brought to PNC to be deposited and right our account. The teller let us know our account was closed on XXXX and could not explain why. We immediately called XXXX and she PNC is choosing to no longer do business with us. We have spoken to several other PNC employees and have not gotten any help. XX/XX/XXXX - We had to miss work to open a new bank account at XXXX. We deposited the insurance check and they let us know it would take XXXX days to clear. XX/XX/XXXX - Received notice in mail we were denied opening an account at XXXX. PNC reported us to XXXX and we can not open a new bank account. We have no place to deposit our paychecks. Our credit reports have dropped over XXXX points in XXXX months. Our lenders have charged us late fees. We make over {$200000.00} a year and can not access our money. We still have a $ XXXX insurance check that we can not cash.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I recently contacted PNC Bank, XXXX XXXX XXXX concerning an online PNC Bank SCAM/FRAUD in the amount of {$700000.00}. PNC Bank response was : 1. ) I was responsible for the SCAM/FRAUD 2. ) PNC Bank refused to apologize for the SCAM/FRAUD 3 . ) PNC Bank refused to acknowledge that someone at the bank knew intimately about my checking and savings accounts and stole my money 4. ) PNC Bank refused to acknowledge that an Audit of irregular activity occurred 5. ) PNC did not conduct Know Your Customer ( KYC ) and Anti-Money Laundering ( AML ) of my accounts 6. ) PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( This is a Federal Offense ). 7. ) PNC Bank closed both my checking and savings accounts due to Suspicious Activity. This is also Financial Elder Abuse since I am over XXXX yrs. old. ( This is a Federal Offense ). PNC Bank is denying that this is Elder Abuse. This is really wrong and the more I contact PNC Bank, the more the bank becomes disorganized and inept in customer service. What really hurts is I was a Valued and Model Customer for almost 10 yrs.at PNC Bank and now the bank is treating me like a Criminal. My Credit Score is ruined and I am being a FRAUD victim by SSA, IRS, Medicare, Social Security and the Credit Reporting Agencies. This is a total mess of my life!
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I moved to Georgia from Oklahoma. Opened an account with XXXX. Everything was fine for a while. Was remodeling my home and got several withdrawals. to pay contractors. Went to the bank to withdraw more cash. They said no my account was frozen due to suspicious reasons. The Manager said, she did not know why. I have been there in person and called several times with no response. The branch manager even hung up on me. I then received an email with a phone number to call. which I did. Supposed to be corporate.. I would speak with an agent, and they would say please hold on while I investigate. and would transfer me to a different agent. same thing happened to me. I spoke with at least four different. Agents, kept being put on hold. At last after an hour, I was cut off. In other words, hung up on. I was not discourteous, I do not yell or curse I am almost XXXX XXXX XXXX. I truly need your assistance. Please advise me. They have over {$5000.00} dollars and will not release it. Sincerely, XXXX
Company Response:
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I was defraudes and PNC ( my bank ) is not helping me out at all. It's wrong on their part because the customer is always right.
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was at a pnc ATM at a XXXX gas station I used my XXXX XXXX card to withdraw {$220.00} it said it couldn't do the transaction an then gave me my card back an then {$220.00} was all the sudden taken out of my account for the transaction but never dispensed any cash I went to the manager they said they don't deal with it to call the ATM place. I called PNC. They told me to go down to the nearest branch. I did that and they wouldn't give me any help or money. They told me I had to refute the transaction with XXXX XXXX so I did that and they said it could take 10 days if they'll even do it when PNC is the owner of the ATM and it didn't give me any money but took the {$220.00}
Company Response:
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A