Date Received: 2018-10-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Approximately 8-12 months ago, PNC bank changed it's online banking system. My first statement after that double billed me for the monthly payment. I called and they said to ignore it as the system was buggy. The next month, I noticed that the " explanation of amount due '' section had incorrect amounts listed, but they totaled to the correct monthly payment amount. The principal and interest amounts seemed to be reversed, except they were still each off by a few XXXX dollars. I called to ask about it and they said they were working on it. I called again a few months later and they said they were still working on it. I called again a 3rd time and 4th and 5th in the following months and they can't fix it. The amounts don't add up. I requested an amortization table on the loan, but they said this is not something that they have. The payment breakdown changes every month depending on the number of days in the month. They did update my online banking statement to show payment history now ; but for record keeping purposes, future bank loan applications, and so that I can check on the progress of my loan payments ; I would like the monthly statements corrected. I have previously also requested that my past statements be resent with the correct breakdown amounts and correct remaining outstanding principal shown ; but they can not do that either. I have nearly a year of loan/mortgage statements that make no sense. I'd just like accurate records. This type of long term mistake on basic paperwork and the inability to correct it is concerning.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I visited XXXX XXXX, XXXX XXXX on XX/XX/XXXX-XX/XX/2018. On XX/XX/2018 my account info was hacked/stolen. I wasn't aware until my return on XX/XX/XXXX that my PNC account was compromised. I contacted the bank, that day, filed a claim, and requested a new card. I contacted PNC again on XX/XX/2018, because 1. I have heard nothing else about my claim 2. I have not received my new card. It was then that I was advised by the claim specialist that my file was closed because it has been determined that I was responsible for the charges. When I asked the person how that determination was made, I was advised that because I purchased a plane ticket to XXXX XXXX prior to this incident, and the card was present, I was responsible. I advised the rep that I travel all of the time, this has never happened, and as they can see these transactions ( 2 separate ) are not normal for me, and that the 2 transactions, same day, same location for {$26.00} and then {$870.00} should have been a red flag. I offered to provide documentation from other card providers who sent a tex/email then declined charges once unable to verify. The end resolution was the rep advising me to open a new claim-and wait another 10 days.
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2018-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I received 3 recent overdraft fees for the same basic issue. 1 each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( One of those was refunded after a prior CFPB complaints. The 2 still need to be refunded ). I have online banking, I use the PNC app, and I am set up to receive a daily email warning when I have a low balance. It is common to check online banking manually, and/or receive the alert email, and see a positive - but wake up the next day to find that not only has the account become overdrawn overnight, but the cooresponding fee has already been added. Basically a charge or charges post retroactively, creating an overdraft, and a fee is added. This creates a situation where the customer has no opportunity to correct an overdraft before it occurs, because it occurs retroactively in the past. This despite using all tools the bank provides to track balance in real time. I have described this scenario in long detail to PNC reps. They agree that this happens, but will generally not refund the fee.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is a formal written complaint about the matter related to my PNC Bank complaint reference # XXXX. In a PNC offer I received that had an expiration date of XX/XX/XXXX. I took the offer to mean that both the balance transfer amount and the amount of any purchases during the promotional APR period would be subject to the 0.00 % rate through XX/XX/XXXX. Then as the offer states, After XX/XX/XXXX, you will be charged the standard variable APR for purchases. I spoke with three members of the complaint escalation team, all helpful, but the conclusion being that PNC intended the offer to apply to the balance transfer only. I find the offer to be deliberately misleading and as such am filing a complaint on the CFPB site as well. I am further surprised that now the only way to prevent further finance charges to my credit card account is to pay off the entire balance and not just the purchase portion of it.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2018 my PNC account XXXX was overdrawn by {$.00} ( XXXX XXXX cents ). I was subsequently charged {$280.00} in overdraft fees despite depositing {$600.00} on XX/XX/18. Among other things I was charged an overdraft fee of {$36.00} for a {$14.00} fee charged by the bank itself. I tried to e-mail the head of the bank but since their is no e-mail address on PNC 's website, there is way to address my complaints about this matter.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: 1. PNC Bank closed Holders account on XX/XX/2014. 2. XXXX XXXX left the Holder of the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an any way at any point in time. Account Holder died in this state. Medical Records Attached. 3. Holder of the account required 24-hour, 7-day a week XXXXXXXX XXXX XXXXXXXX. 4. Holder of account was in XXXX XXXXXXXX ON THE DAY PNC Bank closed the account Holders. Records Attached from XXXX XXXX XXXX. 5. Holder of the account was unable to manage affairs. Letter Attached. 6. Holder of the account was elderly - approximately XXXX years old. 7. Holder could not communicate - PNC allowed UNAUTHORIZED family member to close Holder 's Account. 8. Holder of the account was XXXX XXXX XXXX to bank or XXXX to PNC Bank. ( Obviously ) 9. PNC Bank was negligent in closing the account and failed to recognize Financial Elder Abuse. 10. PNC Bank needs to be accountable.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have had over {$1000.00} In overdraft fees and extended overdraft fees since XX/XX/2018. PNC says they can't refund any of the fees because they have already refunded some in the past. My account is currently over {$800.00} negative because they allow these fees to continue and allow my account to get more and more negative.
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: A while back, I had filed a complaint against PNC Bank with CFPB because they were repeatedly sending spam mail. At that time, PNC Bank had responded to the CFPB complaint and permanently opted out my name and mailing address from the mailing list they use for sending spam mail. Now, after a long time, I have started receiving new spam mail from PNC Bank. I have attached scanned copies of the front and back of the new spam mail.
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear CFPB, I contacted PNC Bank last week in regards to a check that I wrote to myself from my XXXX Account. I deposited the check on Monday XX/XX/2018. The disclosure on PNC mobile bank state that funds would be deposited within 2 business day. I waited the 2 business days and no funds were deposited to my PNC checking account. I contacted PNC on Friday XX/XX/XXXX and the representative told me I had a hold on the check and would be deposited to my account on XX/XX/2018. I checked my account today XX/XX/2018 and no funds were deposited. I contacted PNC again in regards to my missing funds and now are telling me because it is a new credit card now the funds are being held until XX/XX/XXXX. I advised the PNC representative that I have written numerous checks payable from myself from my XXXX account and do not understand why the bank is withholding funds that I need to pay a bill with. No one has helped me at all and I feel the bank is taking advantage of me. Without the funds, I can not pay a bill and is negatively impacting me. It is extremely unfair that PNC is withholding funds and keep being changing their reasoning why they won't give me my money, and if anything keep changing the story on their end. It appears to me that they simply want to take advantage of me and the situation. I am writing for assistance from the CFPB to help in this matter.
Company Response:
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: I sent a XXXX scammer some money through XXXX, they never delivered on their side of the agreement. I tried to have the transaction stopped by PNC IMMEDIATELY AFTER I sent the money and realized the sale was a scam but PNC REFUSED to even open an investigation before the funds were delivered the next day. I filed a police report ( attached ) later in the evening. The following day I contacted PNC and they initiated the claim. They said they would investigate the transaction and that they would be contacting the other bank scammers bank ( XXXX XXXX ). A few days later I received a letter saying that my claim was denied and there was nothing I could do. I asked them if there was any way they could shut down the scammers account and PNC said that was up to XXXX XXXX. They also said I should contact XXXX to retrieve the money since it was through their service. XXXX XXXX will not discuss another account with me because I'm not their customer. I've tried contacting XXXX but they will not speak to me since the transaction was filed from my bank and said I should resolve the dispute with my bank. PNC and XXXX seem to be pointing the finger at each other. Bottom line : XXXX doesn't take their security seriously and PNC doesn't care about it's customers or trying to stop fraud before it happens.
Company Response:
State: OH
Zip: 44108
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A