Date Received: 2018-10-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: To Whom It May Concern : On or about, XX/XX/2016, a friend of my daughter asked me to help her cash a cashiers check in the amount of {$2400.00} ( Exhibit 1 ). My daughters friends name is ( redacted ) After questioning ( redacted ) about how she came into possession of the check, and being satisfied that the check was authentic, and not obtained through fraudulent means, I consented to aid ( redacted ) to cash the cashiers check, as she was the payee of the check. ( redacted ) and I drove to my bank, XXXX XXXX XXXX ( hereafter referred to as XXXX ) and I informed the teller that I desired to cash the cashiers check. The teller informed me that ( the payee ) should sign the back of the check, and print her drivers license number and date of the drivers license expiration on the back of the check. ( The payee ) signed the back of the check with her signature, and printed her drivers license number and date of expiration of the license on the back of the check. ( The payee ) also added her phone number, which was later crossed out by the teller. The teller also requested that ( the payee ) place her thumb print on the front of the check, which ( the payee ) did. ( The payee ) then handed the check to me and I handed it to the teller. The teller instructed me to sign the check on the back under the information and signature of ( the payee ), which I did ( Exhibit 1 ). I then handed the check to the teller. The teller compared the information, and the signature, on the payee 's drivers license with the signature and information that ( the payee ) had entered on the back of the check. The teller inspected my drivers license, and gave me {$2400.00} and I gave the {$2400.00} to ( the payee ), and in accordance with, U.C.C. Article 3 Sections 302, 305 and 306, I became a holder in due course of the cashiers check shown in ( Exhibit 1 ). Several days later, I received a phone call from my bank ( XXXX ) informing me that PNC Bank denied payment of the cashiers check, because of suspicion of fraud, and my bank ( XXXX ) was debiting my account for {$2400.00} ( Exhibit 2 ). I went to my bank ( XXXX ) the day I received the phone call informing me that PNC refused to pay the cashiers check, and asked personnel at my bank ( XXXX ) to contact PNC Bank, and inquire as to why PNC Bank suspected fraud. The personnel at my bank ( XXXX ) informed me they would not contact PNC Bank, because PNC Bank would not tell them ( XXXX ) the reason PNC Bank suspected fraud. XXXX informed me I would have to contact PNC Bank to inquire as to why PNC Bank suspected fraud. Thus, began many frustrating phone conversations with PNC Bank personnel who were ignorant, or pretended to be ignorant, of the provisions of the U.C.C., as it relates to bank checks or cashiers checks. The PNC Bank personnel I communicated with were, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I was told XXXX XXXX is a branch manager of a PNC Bank. All of these individuals appeared to be ignorant, or pretended to be ignorant, of the contents of the U.C.C., as it pertains to banking. XXXX XXXX informed me that, The check was denied due to an endorsement issue. It was not endorsed properly. I informed XXXX XXXX that the check was endorsed exactly the way the teller at my bank ( XXXX ) instructed. XXXX XXXX told me that the payee, XXXX XXXX, had to endorse the check as payable to me, in order for me to be a holder in due course. The U.C.C. in section 3-205 states that a blank endorsement by the payee of a check renders the check payable to bearer. XXXX XXXX made a blank endorsement on the check and handed it to me, so I became the bearer with the right to cash the check. Either XXXX or XXXX, told me they were suspicious of the check because it was issued by PNC Bank on, XX/XX/2016, and was presented for payment in XXXX XXXX, Nevada, XX/XX/2016. I explained that the check was mailed from a payroll department in XXXX, Ohio to XXXX XXXX, Nevada by Express 1-Day mail ( Exhibit 3 ). They ignored my explanation. XXXX XXXX or XXXX XXXX told me that she could not decipher the signature, and that was another reason they considered fraud. If not being able to decipher a signature were a reason to suspect fraud, the majority of negotiable instruments would be suspected of fraud. This cashiers check was presented to PNC Bank for payment by my bank ( XXXX ), and XXXX XXXX and XXXX XXXX should have been aware of that fact. They should know that the bank submitting the check for payment would have verified the signatures on the check before cashing it. XXXX XXXX told me I should seek reimbursement from the payee on the check. The payee is not responsible for paying me the proceeds of the check, she did not do anything wrong, to my knowledge, and if XXXX knows of any wrongdoing by the payee, she should tell me. When I asked to speak to someone in their legal department they refused to do so. When I asked to speak to a supervisor or someone higher in their hierarchy, they directed me to XXXX XXXX, who I was told, is a branch manager of a PNC Bank. XXXX XXXX informed me I would have to initiate a conference call between XXXX XXXX XXXX, who I assume is the remitter for the cashiers check, herself ( XXXX XXXX ), and myself. There is no reason for me to talk to XXXX XXXX XXXX, if he is the remitter or if he is the representative of XXXX XXXX, if XXXX XXXX is the remitter. No matter who the remitter is, the remitter does not have ownership of the cashiers check once it is issued by PNC Bank. The check is the obligation of PNC Bank to pay. The fact that XXXX XXXX is instructing me to talk to XXXX XXXX XXXX, is further evidence PNC Bank is asserting a defense of the remitter, which is a violation of the U.C.C., unless the bank has been indemnified or ordered by a court not to pay the check, and if that happened in this instance they would have to tell me. XXXX XXXX or XXXX XXXX never denied that PNC Bank issued the cashiers check to the payee. They never claimed the check was a counterfeit or was not a genuine PNC Bank cashiers check. I repeatedly told XXXX XXXX and XXXX XXXX that I was a holder in due course, and not subject to the remitters or PNC Banks defenses, except for real defenses, as defined in the U.C.C., and none of the listed real defenses applied in this case. They refused to acknowledge my status of a holder in due course. It is probable that XXXX XXXX and XXXX XXXX were directed to succumb, or they succumbed, to the request of a valued customer, and agreed to deny payment of the cashiers check in detriment to my rights as a holder in due course. XXXX XXXX and XXXX XXXX never suggested to me a method by which I could alleviate their assumptions of fraud. They were recalcitrant in their denial of payment, offering flimsy assertions of fraud, and never showing any desire to reconsider their decision.
Company Response:
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2018-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-27
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I reviewed my credit report, and noticed charges that were not mine. I was told to file a police report. After jumping through all of the hoops to do that, which we followed exactly, the unauthorized accounts were said to not have been removed. I FILED A POLICE REPORT and showed it as proof of me having this terrible issue, and so many accounts are still reporting negatively and ruining my life. Ive reached back out to fix the issue, and not having any luck. This is literally ripping me apart, and i dont know what else to do.
Company Response:
State: MI
Zip: 49506
Submitted Via: Web
Date Sent: 2018-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-26
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I went to close a bank account with PNC. I went through the dialog on their online banking to close the account. I asked where the remaining amount of money in my account would be sent, and the representative said they would keep it as a " closing fee. '' The fee was not transparent and there was no warning. They are preying on working class Americans, and it is unacceptable.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2018-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My account came low and. Got overdraft. I made deposit .. but PNC charged me overfraft fees and NSF reverses fees. Figuring everything up.. they charged me doubt the amount for it all. I was {$1400.00} negative and they charged me {$2200.00} .. ten they return few things and charged me twice for reverses fee ins twice for overdraft fee for one item.. it makes more sense to cover the check and left me pay one fee which is the overdraft fee..
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have ( 2 ) monthly reacurring charges from XXXX XXXX University ( XXXX ) in the amount of {$25.00} and XXXX XXXX in the amount of {$17.00}. On XX/XX/2018 the charge for {$25.00} from XXXX XXXX University posted to the account making the account negative - {$23.00}. I made a deposit to my account in the amount of {$50.00} on XX/XX/2018 at XXXX CST at a PNC ATM at XXXX XXXX XXXX XXXX, IL and found it strange that the {$50.00} didnt become available in my account immediately. I didnt think anything of it at the time because I normally dont have any issues with making deposits at the ATM. The next day I checked my account and noticed I was charged a {$36.00} NSF ( Returned Item Fee ). I reached out to PNC and expressed my concern in a very professional manner and explained to not only 1 representative but 2 and not only 1 supervisor but 2 that I made the deposit to secure the funds in my account and cover the {$25.00} charge on the same day the charge posted to my account and was still charged a {$36.00} NSF fee larger than then my actual charge of {$25.00}. I think thats highway robbery and shouldnt be legal and very unfair to your customers and a bad business practice. Not only did I deposit the funds the same day and still got a fee I experienced horrible customer service ... .from 2 supervisors on your Money Management Team and only 1 representative I spoke with named XXXX was empathetic, friendly and understanding. I appreciated that because the 2 supervisors were in my opinion dry, very condescending, unprofessional and not empathetic at all to my situation and never tried to resolve the simple issue but, they represent PNC in a management position ... thats horrible and disappointing. Instead of amicably resolving the issue your ( 2 ) managers quickly shut down any option to resolve or descalate the issue but instead provided contact information to file a compliant and stated they were the highest level and refused any other assistance .... thats horrible customer service from management level ... and to say it was not a bank error and the deposit was made 11 minutes after cutoff so, unfortunately me being a customer with PNC doesnt matter and a courtesy couldnt be extended. This fee has caused a snowball effect causing not only for me to pay a fee to PNC but, to pay a fee to XXXX XXXX University because the {$25.00} was returned although I made a deposit to my account to cover the funds in my account. I am contemplating closing my account because this was a very disappointing and horrible experience and Im very shocked at the way your selection of management handled this situation. Instead of making things right and showing value to your customer they handled it in a very unprofessional manner and caused your customer more harm financially.
Company Response:
State: IL
Zip: 60645
Submitted Via: Web
Date Sent: 2018-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred, until they already take the money out of the account. Basically PNC is charging me for viewing images of checks. That is fine in principle. But the problem is that the consumer has no idea of what they are getting charged in total. There is absolutely no notice that tells the consumer how much charges they have incurred. The notice only indicates in a general way that fees will apply. For the last two months they have taken the following amounts out of my account : XX/XX/2018 SERVICE CHARGE {$350.00} XX/XX/2018 SERVICE CHARGE {$400.00} Yes that is right {$400.00} per month to see images of checks. Absolutely crazy. I complained with them and they did reimburse {$150.00} XX/XX/2018 SERVICE CHARGE ADJUSTMEN {$150.00} But then I got charged again on XXXX. This is absolutely unsustainable for me. No business can ever afford to pay that to see images of their checks. Some banks actually allow that as a free service. My complaint focuses around the fact that they did not provide proper notice as to the cumulative impact of viewing check images. They have a list of confusing pricing but it is not clear to the consumer if the fee applies to them in that instance, nor is it clear what the total fees are incurred. This is why it is such a shock to see {$400.00} taken directly out of the account for two consecutive months. For this I demand a full refund of {$610.00}.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2018-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a large deposit with the teller ( 03 ) at my PNC Branch ( XXXX ) on XX/XX/XXXX at XXXX. I also requested a new ATM/Debit card because my existing card had a degraded magnetic stripe. I gave my old card to the teller and was told it was deactivated. The teller then told me she was unable to provide me with a new card, and that it would take 7-10 business days to be mailed to me. This leaves me without electronic access to my account until next month. I use this debit card to pay my monthly bills, buy my groceries, buy gasoline, and order dog food off XXXX. I do not feel safe carrying large amounts of cash. The teller offered no recourse and was dismissive of the disruption this will cause me. Furthermore, the funds from the {$10000.00} deposit I just made are unavailable until the checks clear, so I can not just close this account and go to a different bank that is able to offer me a working debit card. I have been a PNC customer since XX/XX/XXXX.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2018-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-23
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I purchased a car from my now ex-husband as a part of our separation agreement. The car was financed with XXXX XXXX XXXX XXXX when he was the owner. I applied for, was approved, and signed loan documents for the auto loan on Wednesday, XX/XX/2018. The bank manager that was at my document signing ( stated ) had not only " never done this before '' but was also being walked through the process by someone on the phone at corporate. Not only were documents missing, my ex husband having to be called back in to sign more documents, more phone calls to corporate, but he also told me that PNC would handle the title and I would have nothing to worry about. I would like to add that I do not feel at all this was his fault, but a lack of training from his superiors on the common products and processes that PNC offers. After numerous calls from him, XXXX messages with PNC bank, dozens of calls made to PNC corporate, including speaking with representatives from their Retail Escalation Unit to include XXXX XXXX, I have been told these conflicting instructions from varying members : PNC would handle the titling, I have nothing to do XXXX would send the title to my ex husband who would give it to me XXXX would send the title directly to the DMV, who would issue the registration XXXX would send the title to PNC corporate in Pennsylvania, who would handle the titling XXXX would send it to the local office, who would handle the titling XXXX would send it directly to me, to take to the DMV PNC needs more time to process the request I have called multiple times and been told multiple things. It has now been over three weeks since I signed my loan documents, with the first payment coming up on a car I can not even drive because it is not registered to anyone, and neither myself nor PNC hold the title currently. Yesterday ( XX/XX/2018 ) I was finally reached out to by XXXX who told me XXXX was sending it directly to me, to my address, which I confirmed with XXXX. She stated they either sent it out on the previous Friday, or they were sending it out that day. Today, ( XX/XX/2018 ) I received notification from my ex husband that he received the title ( XX/XX/XXXX ), at his address, with the title still in his name. I yet again reached out to PNC on XXXX and was asked for a third time for my name and number so someone could resolve this to me. I told them multiple times I would be submitting a CFPB complaint over this atrocity.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2018-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have maintained a personal and business checking at PNC Bank since on or around XX/XX/XXXX. My system of personal finances operates on a cash-to-account basis. This means I will make several cash deposits through the week, as needed for purchases. I also frequently check my account balance via the PNC Mobile application, and have account alerts setup when my balance reaches below {$100.00}. On Sunday XX/XX/XXXX I received an email notifying me my available balance was {$33.00}. Again on Saturday XX/XX/XXXX notifying me my balance was {$5.00}. Seeing no issue as I was coming in the next day to make a deposit, I refrained from making any purchases that would overdraft my account. On Tuesday XX/XX/XXXX I received an email notifying me my account was overdrawn and balance was negative - {$85.00}, of which {$72.00} was 2 overdraft fee 's ( {$36.00} x 2 ). I attempted to resolve this with a banker on XX/XX/XXXX at the PNC branch office ( XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). The banker advised me that their systems do not update the balance from over the weekend until Tuesday which is why the available balance information was incorrect, and recommended I call the automated system instead of relying on the mobile app. I can not FATHOM, with the mechanism 's and technology available between PNC and the consumer, why I have to not only make a phone call to get information, but why the information readily available on their mobile/online banking system IS NOT ACCURATE. Had I known that they were going to slow roll my purchases over the weekend and carry them to almost middle of the week, I would have made the necessary deposit to keep the account from going over.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Early XX/XX/2018, PNC bank advertised on the its own website ( pnc.com ) that if a consumer opens a " PNC Performance Select Checking '', and performs the listed actions ( {$5000.00} direct deposit and ten plus debit transactions ), the consumer will receive {$300.00} account opening bonus ; I have uploaded all related promotion images with this complaint ; I opened the " PNC Performance Select checking account on PNC.com on XX/XX/2018, I made required $ XXXX direct deposit on XX/XX/2018, I did ten debit transactions by XX/XX/2018 ; But I do not see {$300.00} account opening bonus to this day ; I called PNC bank early XX/XX/2018, the representative told me that when I opened the account on PNC.com, the promotion code for the {$300.00} bonus was somehow not included in my account, that is why I did not receive the bonus, and she could not do anything to correct the issue ; This is apparently a technical issue/error on the PNC bank for not including promotion code in my account, I as a consumer should not bear the consequence of a technical error of PNC bank ;
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2018-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A