Date Received: 2018-10-22
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: On XX/XX/2018, I entered the XXXX XXXX XXXX branch of PNC Bank in XXXX, KY in order to close a joint CD. I provided the personal banker with the identification needed. She then went to consult with the branch manager. When she returned, she declined my request. When asked why, she told me that the manager had told her that it could not be closed. When asked for a reason, she referred me to the branch manager. My fiance accompanied me to meet with the branch manager ( I had asked she be an advocate in the discussion ). When first asked, the branch manager said that I needed to speak to Miss XXXX, who is my mother and the joint holder on the account. When I asked again why I was not allowed access to my account when I pay the taxes on the interest, I was again referred to speak to my mother first. My fiance then said that it was against federal policy to not allow a joint account holder access to the account, and that she needed to provide a reason for denying the request. The branch manager again stated that I needed to speak to Miss XXXX. I asked why, she denied to explain it to me. My fiance told her she had to at least explain why I was not allowed to have access to my account at the very least, because it was in violation of policies that protect joint account holders, ones that even the bank stated they have when we called in to request what the bank 's policies were on CD accounts. The branch manager then stated that she refused to speak in front of my fiance. I stated I wanted her there, and she said she would not speak with her present because she was not an account holder. My fiance reiterated that this was a violation of an individual 's rights, but walked away so I could speak to the branch manager. Once we had complied, the branch manager offered no explanation as to why I could not access the funds in the joint CD other than I had to speak to " Miss XXXX '' who was the other holder of the CD. I continued to ask why I had to do this but received no additional information. On XX/XX/2018, I contacted the XXXX XXXX branch of PNC Bank to discuss the nature of joint CD accounts. A branch manager explained to me that both parties in a joint account have equal access to that account and do not need the other party to access it. They also confirmed that all accounts were FDIC insured. On XX/XX/2018, I went to the XXXX XXXX XXXX branch of PNC Bank in XXXX XXXX, KY in order to withdraw funds from the CD. I was notified that the account was already closed and was provided the information of the closure. The entire amount of {$59000.00} was removed, and the account fully closed by the other party on the joint CD account on XX/XX/XXXX at the XXXX XXXX XXXX branch of PNC Bank in XXXX, KY. I was later informed by " Miss XXXX, '' via text message on XX/XX/XXXX, that she was given access to view our visit to the bank as recorded on bank cameras. Should any documentation be needed, please contact me, and I will send what I have, such as proof of the closure and my tax documents.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2018-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I wrote a letter and mailed it certified mail return receipt to stop contacting me. I continue to get daily calls and voice mail messages despite instructing them to stop calling me. I am a senior citizen and they are scaring me.
Company Response:
State: GA
Zip: 31605
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
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: Paid off Vehicle in-full at Bank Branch in Maryland more than 45 days ago, and called Customer Service 20+ Times over the same time span. Consistently receive different information that the " Lien Release '' has already been mailed, that it was already processed, that it's never been processed, etc. Considering contacting state Attorney General since PNC is likely operating outside of legal limitations to release Lien after Vehicle has been fully paid off!
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Credit limit changed
Subissue:
Consumer Complaint: I applied for personnel loan to consolidate bills online. got text to call PNC bank at ( XXXX ) XXXX to get verification, wanted las5t four of social and hung up. Called back and when different person answered I asked if this was PNC and the lady hung up. I believe this is a scam to get peoples info. Check this out please
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am the guardian of property for my mother, a XXXX year old XXXX adult. She has had 3 CD 's at PNC Bank for many years. I renewed all CD 's at 0.75 % INTEREST rate on 3 different occasions from XX/XX/2018 to XX/XX/2018. PNC Bank reassures me that the interest rate will remain at 0.75 %. Then, someone at PNC changes the rate to 0.05 %. I did complain and they returned some of my mother 's lost interest in XX/XX/2018. It keeps occurring and they keep lowering the interest rate of return to near zero. They did it again in XX/XX/2018.
Company Response:
State: MD
Zip: 21209
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A reaffirmation agreement was made with PNC Bank in XX/XX/XXXX on my home equity line of credit. The line was closed at that time, but payments have been made faithfully and on time throughout the entire loan. In XX/XX/XXXX, PNC did a system update and forgot to include a bankruptcy disclosure on their statements. Since that time, they refuse to send me a bill or statement. After contacting my attorney and providing PNC with a copy of the reaffirmation agreement, that PNC was not able to find ... my attorney advised that there is no reason PNC can not provide me with billing statements. I have been been faithfully making payments blindly not knowing if they are posting to my account. PNC was also told about an inaccurate report they posted on my credit report in XX/XX/XXXX ... .stating account was included in bankruptcy. Since then, they have changed it to show paid as agreed, then changed once again to show closed as of XX/XX/XXXX. This is not the case, as I am still paying. Or should I not be paying? I would not know as they refuse to issue a statement. I have made at least 4 attempts by phone to them. Also a few attempts by email with a XXXX XXXX phone number XXXX email XXXX. He has not reached out to me since XX/XX/XXXX, when he was to be forwarding to the proper department for resolution. I also asked for many of my phone complaints to be documented and sent to me ... but they have not. All I ask is for statements to be provided or the account be absolved, due to their lack of incompetence. Thank you!
Company Response:
State: PA
Zip: 16001
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I continue to receive calls from what is listed as XXXX XXXX - Debt Collector at XXXX. These calls have come off and on for over two years. The latest calls came at XXXX and XXXX XXXX on XXXX XXXX, XXXX XXXX on XXXX XXXX, and XXXX XXXX at XXXX XXXX. The caller claims to be looking for an XXXX XXXX. I have informed them on several occasions that I do not know an XXXX XXXX, that this phone is registered on the Do Not Call list, and that I do not desire any more phone calls from them. I further informed them that
Company Response:
State: OH
Zip: 44070
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I stopped at this PNC branch to cash a check drawn on said bank by XXXX XXXX XXXX XXXX. My XXXX was refunding an over-payment I made of {$200.00}. Teller told me it would cost 2 % of check to cash even though it was drawn on PNC Bank! I asked to speak to branch manager who wasn't in at that time. ( Approx. XXXX ) Instead, teller supervisor XXXX XXXX came to speak with me. Though she was polite, I would have been better off talking to a computer, a desk, a chair, the wall, etc. I explained though I didn't have an account w/PNC it was a small check, written by a small business right down the road from this branch ( about a 1/2 mile away. ) I think I may have also mentioned I'm a stockholder, and I emphasized the check was drawn on PNC Bank and that XXXX XXXX XXXX XXXX, obviously was their customer, and they certainly wouldn't want me to have to pay 2 % for the money they accidentally overcharged me! Nothing! No empathy whatsoever. She simply kept chanting her 2 % check cashing fee mantra! Disgusted she wouldn't listen to what I had to say and continued to talk like a robot, I asked for the branch manager 's business card. She handed me the card, and I started to walk away. As I looked at the card, I realized it was her card instead of the card I asked for, and I immediately headed back to the counter. I repeated my prior request, telling her I didn't want her card, I wanted the branch manager 's card. She then handed me his card. Upon getting back to my car, I sat in the car, and I called the branch manager 's phone number. Of course, one of the girls in the bank answered the phone. I asked to be connected with Mr. XXXX 's voicemail, and I was I would be connected, but I was immediately cut off. I immediately called back. This time I got another girl who successfully connected me with XXXX XXXX 's voicemail. After I left the message, I thought to myself, " How XXXX! '' There was hardly anyone in the bank when I was there, it was early, and everyone was listening. They clearly knew who I was, and I'm sure they probably erased my voicemail before XXXX ever got in the office! ( It's XXXX at present, and I haven't heard from, and I'm confident I won't. I'm sure they erased the voicemail I left him. ) I think it's an absolute sham ( and again, I'm a stockholder! ) the way this bank wants to charge me 2 % to get such a little amount of money for which I was overcharged by me dentist WHO IS A CUSTOMER OF PNC BANK!!! Poorest, most arrogant customer service I've ever encountered at any bank in my entire life! The teller supervisor 's lack of empathy and constant, robotic response is what really gets me! It's clear it wouldn't have mattered if the fee was ten cents, a nickel or a penny! She was gon na continue chanting the fee was their policy until her lips fell off!
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2018-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/18 there was {$230.00} in my checking account with PNC Bank. On XX/XX/18, there were three ACH debits which hit the account as " Pending ; '' {$72.00} for XXXX XXXX which was due and payable on XX/XX/18, {$120.00} for XXXX XXXX also due and payable on XX/XX/18 and {$430.00} for XXXX with a due and payable date of XX/XX/18. There was sufficient funds to cover two of these transactions, the {$72.00} for XXXX XXXX Bank and {$120.00} for XXXX XXXX, however, PNC posted the transactions in a manner which I was charged 3 overdraft fees instead of 1 ( the account was overdrawn due to the pending transaction for {$430.00} ). I requested the reimbursement of {$72.00} representing the excess overdraft fees assessed to my account and PNC has yet to rectify the situation.
Company Response:
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2018-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2018, XXXX XXXX XXXX charged {$1400.00} as down payment to move. Contract stipulated if they were unable to complete move by specified date, I would be refunded the deposit. XXXX XXXX XXXX was unable to meet contract requirements but refused to refund money. They claim to be direct movers and do not broker their moves. When I investigated them on DOT, they do not even have any vehicles to do moves. I have disputed transaction 4 times with PNC. PNC denied all 4 disputes, never allowing me to provide documents ( including the contract ) to support my claim. Their explanation for denial stated I did not try to work with XXXX to have reversed by them. I have that email support showing where I contacted them to have them refund the money and they rejected my request. Documents to support this were not on this device, but I can provide.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2018-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A