Date Received: 2018-11-07
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I used the PNC Mobile APP XXXX to Transfer money to an individual to purchase Football Tickets for the XXXX XXXX vs XXXX XXXX XXXX on XX/XX/XXXX. I sent the buyer {$200.00} to his XXXX email address out of my checking Account and the seller never sent me the tickets and disappeared leaving me out {$200.00}. I immediately called both XXXX and PNC both of which who said there was nothing they could do as XXXX did not offer any buyer protection and it should only be used with friends and family. PNC took my dispute but spent less than 1 day researching anything and sent me a denial letter of my dispute. I was fraudulently scammed out of {$200.00} and my bank is doing nothing to help me retrieve my funds. They said i authorized the transaction therefore its my fault. This is no different than using XXXX or XXXX and authorizing a transfer of funds why is XXXX any different? I feel I am wrongfully being cheated out of {$200.00} by both my bank and XXXX.
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: Your bank will be shown to have not performed a proper security of their own account holder that impersonated one of your legitimate account holders to authorize the payment to my company. Your security was breached and the person acting on your behalf should have performed a more thorough security check by going off line and making sure this is the person that was intended to release such money and as a result of your lack and regard for who your client supposedly was and not properly authenticating same you authorized payment to my account that was clawed back.. In addition to this security breach because they were able to obtain information of your client they put this information and paid my initial credit card balance of 44K or so and therefore induced us to spend more money on this scam ... Because they were able to steal your clients personal information and bank information this allowed this SCAM to take place. This will be shown in court and you will be liable for damages. This will go to the media etc to show that your bank allowed these scammers to violate and steal information. I want you to pay XXXX the XXXX and I will not pursue this further. XXXX already admitted that were are flaws in the banking system and loop holes.. IF you dont want this to go further I would recommend you address this with XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: PNC bank claims that my son took out two loans using me as a co-applicant in XX/XX/XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency XXXX XXXX XXXX. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. I contacted XXXX XXXX XXXX and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. I then started to seek help regarding these loans to I asked for proof of them loans and PNC bank was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. I have no direct communications with PNC bank but XXXX XXXX XXXX representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now PNC bank attorney drawn up an agreement for me to make payment and settle which I did NOT agree to.
Company Response:
State: NY
Zip: 12304
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Trouble using the card
Subissue: Problem adding money
Consumer Complaint: On Friday Night XX/XX/18 at approximately XXXX-XXXX XXXX I went to PNC Branch in XXXX , GA to use the drive-up ATM to load my PNC Smart Access prepaid card with {$580.00} in cash. I inserted the money into the deposit door and it counted it and verifed {$580.00} was inserted. I verified the amount and the screen started processing it then suddenly said transaction failed, contact financial institution. I waited for a minute or two and my card finally came back out, but none of the {$580.00} ever came back out of the deposit door. The door opened and closed multiple times like it was trying to give me the money but no money ever appeared and finally the machine went back to the welcome screen. I immediately called the number on the back of my card while still at the ATM machine and let them know what was going on, they apologized and said they could see where I attempted to make a {$580.00} deposit and it did not go through. I informed the lady that the money never came back out and she started the process of filing a claim. She later told me that since there was no transaction she couldn't file a claim but would take down everything I had told her and send it to the appropriate person and/or bank for investigation. I asked her what to do at the ATM and rather I should leave or not because I was afraid the money may come out after I leave and she said no it won't come out if it hasn't already as the atm won't do that. Fine. I leave the ATM and finish up our conversation and ask for claim number. She claimed that since she couldn't file an actual dispute that she couldn't provide me with any sort of reference number and told me not to worry it would be forwarded to the appropriate people. Fast forward to Monday XX/XX/18, I called to follow up on this matter and spend 1 HR 32 MINS on the phone getting transferred to 10 different people and hearing 3-4 different stories about the matter. The stores I got are as follows : 1. ) The claim has been denied as the ATM reported no errors and it balanced. 2. ) The claim is still open and hasn't been assigned 3. ) The claim was filed incorrectly on behalf of whomever I spoke to Friday night and that they entered XX/XX/XXXX instead of XX/XX/XXXX. 4. ) That the claim was denied but they didn't understand how it was denied in the first place as no audit had even been done at that point on the machine. 5. ) Finally, the 10th person I spoke with told me that he didnt understand what was going on because it appeared the dispute department handled the claim incorrectly and that he would forward me to someone who could reopen it. I got forwarded to someone who reopened it and they told me that XXXX was assigned to the case and would follow up. Tuesday XX/XX/18 I call again to follow up and again get put on a 1.5 hour merry go round of a phone call and get told everything from the claim was again denied, to the claim was still open and finally a manager who told me the claim was denied as no errors were shown, the atm balanced and that they saw no record of me even attempting to make a {$580.00} deposit on Friday Night. I told her that was impossible as the agent I spoke with on Friday Night was able to tell me that she saw where a deposit was attempted and did not go through and the lady responded that she didn't know what they were looking at cause she saw no evidence of that and told me there was nothing they could do. Finally, I got off the phone with her after getting no help and called back again and specifically asked the agent if she could see an attempted deposit on my card for {$580.00} Friday Night ... she looked and said yes. I explained to her that the manager of escalations just told me that she never even saw evidence of a deposit attempt and doesn't know what yall are looking at. The lady on the phone then told me that it was on the log clear as day and didn't understand what was going on. She put me on hold multiple times, talked to some folks and finally came back and said well it has been denied and there is nothing we can do. What the heck is going on here? Multiple stories, lies and transfers and I have no results and none of my money back to me. I even asked the manager on the phone if cameras were looked at, what was investigated and said video footage will clearly show me putting money in and nothing coming out. The lady told me that the atm video will not show that because they have no coverage of the deposit or withdrawal doors. I demand a through investigation into this matter including every angle of camera footage, total checks of all areas inside the ATM, a investigation into who verified this ATM and an internal review of every recorded phone call to verify this run around I have gotten. My money is missing and PNC Bank is acting like I don't matter and they don't care enough to look into it further. At the end of the day {$580.00} of my hard earned money is missing and I demand justice for this matter. How can I even trust them when they couldn't even get their story straight and even admitted to the claim being mishandled and keyed incorrectly? Nothing makes sense!!
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XX/XX/2018, upon re-entering PNC Bank at XXXX XXXX XXXX in XXXX North Carolina to inquire about a fee I was charged to cash a check that was drawn on PNC Bank, I was told by the Assistant Branch Manager by the name of XXXX XXXX. XXXX that my check, issued by XXXX, was a fraudulent check. ( The check had already been cashed by the teller prior to my involvement with Mr. XXXX ). I proceeded to ask Mr. XXXX what was fraudulent about the check. He began to tell me that the paper that the check was drawn on was regular copy paper ; that the check was blurred and some something pertaining to the font on the check that raised some red flags. He then begin to proceeded to call XXXX, I presume in his attempt to verify the check. Again, the check had already been cashed minutes before. I re-entered the bank to ascertain the veracity of the fee that I was charged to cash the referenced check. One teller told me it was {$2.00}. Another said it was a 2 % fee. I asked if there was a policy available for me to view re : this discrepancy. After I told him if it was a fraudulent check that I've been receiving the check for the past 11 years. Upon apologizing, Mr XXXX continued to tell me that it appeared that the check was fraudulent. I informed Mr. XXXX that he conduct was disingenuous to the customer to make such allegations without providing proof. Mr. XXXX made me as a consumer feel that I was not welcomed or valued. although I am not an account holder of PNC, the check was drawn on an account holder of PNC Bank. This kind of behavior was not only inexcusable, but as an African-American, it appeared to be stereotypical and made me feel that Mr. XXXX was racial profiling me. The two tellers were both XXXX-XXXX. However, I inquired upon Mr. XXXX, how he could tell if a check was fraudulent just by looking at it. Originally I went back into the branch, after cashing the check because I was told upon entering that if I did not have an account there would be a 2 % fee or {$2.00} fee. Based on the amount of the check the amount would have been less than the {$2.00} fee that I was charged. However I was then told that it would be 2 % or {$2.00} whichever is greater. I asked if I could see the bank 's policy regarding what I was being either there or online. No policy was made available for me. I informed Mr. XXXX that I would be lodging a complaint with the Consumer Financial Protection Bureau regarding his unprofessional and unethical behavior. He then said that the bank 's policy had recently changed. As a consumer I felt very humiliated and frustrated at the whole experience. Consequently, I never did get a resolution for what was originally intended. All rights reserved
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I do not know the company. Through security questions concerning my credit. I'm trying to rent to own my first new home. Through these questions I found XXXX insurance taken in a poe, jackel, clod, blunder animal. There was also a mortgage taken in my name on XX/XX/XXXX and I've seen one for XX/XX/XXXX for between {$950.00} to $ {$2200.00}. I came to this knowledge through XXXX saying it's in their records. Credit bureaus only show each year report, but, this clearly shows it stays on record even if it doesn't show on each years report. Someone help me find who is committing identify fraud.
Company Response:
State: NJ
Zip: 08205
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband past away a year ago and I found out the loan we have with PNC is a interest only loan. We have paid XXXX since XX/XX/2006 and the loan was only for XXXX and I have already paif XXXX. I'm wondering what I should do plus I thought this was against the law and the banks had to notify the comsumer when the housing market crashed due to this kind of practice. I really need help to understand what I should do.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just received an alert showing a hard inquiry from PNC BANK that I do not recognize or have authorise. Please correct. Creditor Name : PNC BANK Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2018-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I spoke with a representative from PNC around XX/XX/XXXX or XX/XX/XXXX. They said that a credit of {$500.00} would be transferred back into the account to compensate us for the confusingly labelled fees to view the images of the checks.The original complaint is XXXX. We never received that deposit. We did receive a deposit for {$350.00} but it was not the full amount that they stated on the phone they would make. XX/XX/2018 SERVICE CHARGE PERIOD ENDING XXXX XXXX {$350.00} This is disappointing to have to go back and request the full amount. What's even worse, we have not viewed any images at all since then. And we received another automatic transfer from our account for {$240.00} XX/XX/2018 SERVICE CHARGE PERIOD ENDING XX/XX/2018 {$240.00} At this point, the CFPB is the only course of action I have to try to remedy this issue and stop these erroneous and expensive charges. I have exhausted all options with the local branch and a top representative from the bank that handles customer service.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-03
Issue: Overdraft, savings, or rewards features
Subissue:
Consumer Complaint: PNC is the first bank I have opened an account with, and anytime there was an issue they always seemed to make up for it in their excellent customer service. My Fianc and I both have PNC accounts, and he has had problems multiple times, as I see many before him have as well, of dissappearing funds on the Virtual Wallet leading to overdrafts. I had never had an issue with it, until now. Our 1 year Anniversary was XX/XX/XXXX. So, we decided to stay in a decent hotel for {$98.00}, plus a {$25.00} pet fee for our dog. We went to dinner ( spending {$22.00} ) and some cookies ( spending {$8.00} ). This was on XX/XX/2018. However, the charges remained pending until XX/XX/2018. The money seemed to already be taken from my account, so I thought nothing of it, and we bought lunch for {$40.00} and some retro candy for {$19.00} the next day. Those purchases were made XX/XX/XXXX, but they also remained pending until XX/XX/XXXX. Still, they seemed to be automatically taken out, so I thought nothing of it. I could keep going with purchases that were made in this process, but I would just be carrying on for ages, so I will get to the point. Purchases that were made on XX/XX/XXXX-XX/XX/XXXX, weren't actually charged until XX/XX/XXXX-XX/XX/XXXX. In the middle of all this, I received a XXXX of {$200.00} on XX/XX/XXXX, which now shows up as being received on XX/XX/XXXX. The pet fee, the dinner, the cookies, and the hotel were all extracted from that {$200.00} and it did not show that way until XX/XX/XXXX. We had gotten gas for {$10.00} on XX/XX/2018 that did not get removed from my balance until XX/XX/2018. I started the day with {$37.00}, spent roughly {$15.00} and now my account is overdrafted. What is even more upsetting, is the fact that I have a student account, so that should not have happened in the first place. I have called twice, once on XX/XX/2018 and again on XX/XX/XXXX. Both times, I was told to wait for a manger to call me back with in the hour, which never occurred. I have never overdrafted my account before and I always keep track of my balance after my purchases, so for this to happen is incredibly upsetting.
Company Response:
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2018-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A