Date Received: 2023-07-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a basic checking account at PNC Bank on XX/XX/2016. Starting in XXXX this year, they began charging me a monthly maintenance fee of {$25.00} without any prior notice. According to the account opening documents at that time, I should not be required to pay any account maintenance fees as long as I maintain a minimum balance of {$500.00} per month.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: PNC Bank is engaged in unfair and deceptive practices i have a XXXX savings account -- i lowered the balance and got hit with a sevice fee was told the mimium balance sghould be XXXX per month they did waive it after multiple calls and horrendous time with their VRU the udap is that the service fee is not on their public fee scheduled -- because its an old account the next month, with the XXXX balance i got another service fee this time i got it waived again but was told the minimum balance is XXXX i raised my balance again to meet that -- but have not idea what the balance should be to avoid a fee The PNC representatives are clueless -- warn me they wont waive fees again but wont give me a fee schedule for my fee ( XXXX ) -- i spent almost a half hour to resolve this this month and over an hour last -- They engage in practices harmful to consumers and make it difficult to address
Company Response:
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX weeks ago PNC was contacted about an account they had closed and the same account they have been previously reported on to lend credence to a prior complaint I filed and they responded to, that they were guilty of libel stating the reason for the closure was the use of inappropriate or offensive language. This is clearly not the behavior of an innocent party but of an institution that has something to hide. I have yet to receive the bank statements from PNC that I requested ; XXXX and XXXX XXXX. I am now adding XX/XX/XXXX. They have also falsely sent documents to a credit collector that I owed PNC over XXXX dollars after it was their employee who falsified records and took money out of a linked account. After being ordered to return it, someone decided to become creative and added false balances so in the end only {$50.00} out of the {$300.00} was returned when that individual caused overdraft fees to post to an account that they accessed over a false allegation that my account was frozen when it was active. He/she also claimed a {$400.00} deficit on an account that did not exist prior if there was money transferred from the same account to the new account AND if it was in part returned making the allegations of a deficit a criminal act. This latest slight and PNC 's claim of conduct unbecoming as a reason for closure is nothing short of open racism and prejudice as financial institutions know they will be believed over the customer and abuse the power given for as long as they can. PNC 's regulations of code of conduct is a code of impunity that continues to defraud past and present customers based on reviews. However, it is not too big to fail. It is a XXXX-month cycle of harassment and discrimination levied against me that is personal and predatory in its bias. The checks will be returned after copies are made as they were deposited and rejected prior. I am thereby stating in writing that I will not succumb or allow the person or persons to continue the bigotry and hate by depositing another bad check. I know what was cleared and what was not. I asked for the same type of checking on the CLEARED accounts to be sent as a replacement and PNC has refused to comply to that demand letter sent. I am also requesting that this be sent to the regulatory body to prove that this institution is actively engaging in activities in direct and continued violations of a protected class and has behaved in a manner that I find both threatening and bigoted for personal gain t the financial expense of not one but TWO innocent parties to cover up a crime. I have always maintained and shown evidence of damaging behavior committed by this bank. PNC has not. They have changed their story several times, sent checks that will cause continued financial distress without refunding monies owed, lied about balances that if they were truthful would have resulted in records received, and not yet another complaint and now have again committed another violation under the FOIA act. This bank is racking up charge after charge and has made the victim who is not their customer, but a third party, suffer needlessly with deceptive business practices in order to undermine my integrity and, by refusing repeated letters of demand, is attempting to defend their actions by offending my intelligence. That said, this is a letter of demand that ( 1 ) the institution remove this false allegation of a debt that they invented by contacting the collection company, XXXX, file no. XXXX within XXXX business days from today, XX/XX/XXXX to avoid records of this act being sent to the agency as proof of PNC 's intent to defraud along with ( 2 ) a letter of confirmation in writing mailed to my address of their contact. I also ( 3 ) demand that a direct deposit/wire transfer be set up to deposit funds owed including those not received within that 3 day timeframe which is a reasonable accommodation request. ( 4 ) Records requested of ALL banking activity from XX/XX/XXXX to XX/XX/XXXX is to be mailed and confirmed also within XXXX business days or intent will be established as fact. ( 5 ) PNC is ordered to cease any further attempts to entrap and/or undermine my credibility and ordered to comply with the law including direct funding requests made on three separate occasions after invoking ADA rights and all repeatedly ignored. Since the checks sent has a routing number that proves they do wire transfers, refusing to do so is against policy, code of ethics, and an overt act of discrimination due to XXXX. I also have observed a disturbing pattern employed by the department in question ; all implicated in this incident are female despite having spoken to various males within the same. I believe this is not accidental but a misogynistic approach of intimidation by gender. Therefore I believe the guilty party to be male as they are typically less scrutinized and with higher positions than their female counterparts in the same field and therefore generally see women as 'weak ' and less likely to ask questions. I had requested at the time records from XXXX that can prove without doubt violations did occur and records tampered with having removed the link between banks before any records can be changed. PNC can be reasonably assumed to be uncooperative knowing that disclosure was sent in an attempt to resolve the matter previously. To delay after confirmation was made they will be sent is an indication of guilt. However, it is also a violation of Federal law. That means the original reason, not the secondary alteration is still intact. PNC was well aware of the wrongdoing of their employee and decided that their only recourse to avoid scandal was to create a situation of their own making. It has not only failed ; they chose to behave in an unprofessional manner toward a third party and not their intended victim. There are now TWO witnesses to their actions. Replacement checks from PC are in violation of a request that the same account and routing numbers be used. All banks have different accounts, The excuse that was given when I contacted them on refusing to comply, but the customer should not be insulted to the degree that it is assumed the different accounts are not for specified actions. Yet PNC did just that. Consumers are also well aware of the dreaded internal email made evident by long pauses between question and answer and it is unfortunate that their employees chose themselves over the law. Doing so, gave weight to the opinions of their value in the workplace and certainly worked against them in advancing their own careers. But I digress. This is now the XXXX demand letter of non-compliance. The checks will be returned as this violated the previous demand agreement and am without doubt that if deposited they too will be rejected. PNC 's continued treatment of customers who are receiving 100 % of their income from XXXX should not go unpunished or unnoticed. I am going on record to inform PNC that I will not be giving any reason to make their false claims of offensive language stick. I will lodge all my dissatisfaction and discrimination on this site and you will be dealt with through intervention only. In short, you will need to get your evidence on my conduct the old-fashioned way. I am very well-versed in the game being played here and why. PNC in refusing to do the right thing, in the continued mailing of rubberized tender, using the exact information that was rejected on a prior attempt to deposit forcing that account closure, in a dangerous and twisted attempt to undermine my credibility and nothing more and is now placed on notice. Doing so and closing a second account by their direct involvement also means they have no future access to it either and only solidifies my case as I have the direct link of their actions and the reaction it caused. I am certain the intent of PNC was not to clear my name as a victim but the end result proved just that. Unfortunately, banks do not reverse closures despite their claim but the industry through submissions like mine is changing. PNC has only strengthened my claim of discrimination with intent to defraud, slander, libel, violations of my civil rights as a consumer and citizen, and refusal under ADA law to several accommodation requests of direct deposit of funds after their check was rejected. It may even be classified as a hate crime. What it will NOT be, is successful. One or more of their employees committed conduct ethically unbecoming at a minimum and no amount of internal emails sent to offer no assistance will work in their favor. I will continue to fight indirectly and in a professional manner in writing to avoid any further slanderous accusations levied that describe perfectly their own conduct of manipulative and abusive behavior towards the public at large by refusing access to their own funds. I will also like to add here that the information on the accounts was NOT changed until they were forced to split the check via a letter of demand. It was only in response to the demand that the routing and account numbers became different. The original check, saved for my records, and in anticipation of discrimination later realized, had DIFFERENT account and routing numbers, the kind in all my checks that were accepted and cashed. These new numbers started after numerous phone calls to split as it was too large to deposit, were met with statements suggesting money laundering ( layering ) was in play by Verizon/Sedgwick . It is clearly and provable case of retaliation by PNC employees and I hope someone in one of these two institutions sees this posting claiming checks can not be split because it is 'layering ' when it could if it subsequently was. I am happy to post numerous emails sent by PNC and letters kept of their lies in written form. I will do so after day 3 to this or the governing body if no agreement to a wire transfer is made by PNC but there will be no entrapment via calls made when they are fully aware having spoken to that third party and continuing the harassment.
Company Response:
State: GA
Zip: 30813
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: Funds not received from closed account
Consumer Complaint: In response to my first complaint XXXX XXXX XXXX XXXXXXXX XXXX called me and said there were 2 cashier 's checks sent to me on XX/XX/XXXX and a third check was sent on XX/XX/XXXX for the 3 accounts PNC bank closed without good reason, totaling {$29000.00}. I reminded XXXX on Thursday, XX/XX/XXXX that I am very low on funds and I must get some money as soon as possible. She made a reference to her need to stop payments on the original checks after so many days and promised to expedite payment to me. I asked her if she could wire funds to my bank as I am in financial distress. She answered no they won't do that. She promised to check back with me today but she did not call. It has been 18 days since PNC closed my accounts and I have yet to receive a XXXX of my money while I am going to be in arears with my bills and financial obligations. They are not being helpful nor are they expediting anything. They don't even call back when they promise to. How long must I suffer this financial hardship while they disinterestedly drag their feet? When I ask them why they have done this to me, a customer in good standing for 38 years, they answer that they aren't required to disclose their reasons for taking this action against me.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was a victim of a rental property scam in XXXX, NC. I submitted an application through XXXX XXXX XXXX XXXX company and was contacted the next morning by an individual by the name of XXXX XXXX stating that the property I applied for was taken and he had another property available. He provided me with the code to the XXXX I agreed to wanting the house he sent me an invoice for the security deposit of XXXX which was to be sent via XXXX. This invoice was on XXXX letterhead. After receiving and signing a lease I sent another {$1500.00} for the first months rent. After contacting XXXX and being made aware it was a scam I reached out to PNC to dispute the charges on XX/XX/2023 and I also opened a police report with the XXXX, NC Police Department. XX/XX/2023 PNC sent communication letting me know that my request had been denied.
Company Response:
State: NC
Zip: 27704
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XXXX XXXX I applied for a personal loan through my current bank. The reason for the personal loan was to consolidate my debt Ive accumulated. I applied for the maximum amount and submitted the application online. My application was denied. Due to Title 15 USC 2611 PNC bank failed to provide me all factors that were involved in this consumer transaction.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Mortgage Underwriters mis-interpreted a guideline regarding furniture that was being conveyed with the subject property. The addendum with the contract stated that buyer and seller agree that furniture conveys with the property. It was not offered as a concession by the sellers nor was a price stated or requested from the buyer. The seller 's simply did not want to keep the furniture and have to move it. They decided to just sell the house with the furniture in it at no assessed value whatsoever. The Underwriter requested a separate appraisal of all furniture items with pictures and valuations for each last minute, a week before closing. The MLO called the VA directly to confirm if this was needed. The VA guidelines and appraisal department stated, that due to the furniture not being listed or included in the appraisal report, a second appraisal or valuation is NOT allowed as it would be an additional cost to the VA buyer and could also delay their closing. Being that the furniture is not included on the report or the sales value of the home, the VA stated that it is irrelevant. When the MLO shared this information with Underwriting management, they responded stating that the VA 's guidance was incorrect and that they had to go by their internal company guidelines. The MLO followed up stating that those are just internal guidelines with lender overlays, the VA set the actual, federal guidelines. The Underwriting manager responded stating that this would be a GNMA requirement as the secondary investor. According to the VA, neither the lender nor investor can require this of the client. I find it puzzling that GNMA wouldn't follow the guidelines set by the VA. As a result of all this, the file 's closing was delayed and according to the VA , puts PNC Bank out of compliance. Please look into this. Thank you.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: ( XX/XX/23 ; XXXX ) I received a scam call from the PNC Bank Customer Service Line . They informed there was a fraudulent charge through the XXXX XXXX. I told them I made no charge through XXXX. After activating the XXXX account while on the phone with the scam caller, there was one transaction already made on the app, to XXXX XXXX. Talking further with the scam caller, they informed me that to refute the charge, I had to send {$100.00} labeled as " void '' to be able to refute the first charge. I argued with them on why it needed to be done and they tried to reassure me that they were PNC Bank, but referring to the phone number on the back of my card, stating it matched the number they called me from. Once I confirmed the number, I asked more questions about why I had to send money, and from what was said, it sounded like some of the things the bank told me in a ( XX/XX/23 ; XXXX ) earlier phone call about other fraud charges that resulted closing my card on the same day. I have tried to dispute the charges multiple times ( XXXX XXXX XXXX XXXX XXXX ). On a phone call today ( XX/XX/23 ) was essentially told I am at fault by their Escalation Department and they do not protect scam, even though one payment of {$59.00} was not made by me. I will admit I sent the {$100.00}, as described above was apart of the process in refuting the transactions. Neither PNC Bank or XXXX will help me in receiving my money back, even though I have explained I do not know who the money was given to and I was called from the PNC Bank Customer Service Line. I have also been told that PNC Bank is not affiliated with XXXX, yet they have a personal link to XXXX in the PNC Bank mobile app and receive promotional emails from PNC Bank to use XXXX through their mobile app.
Company Response:
State: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
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 contracted to get a loan with PNC through a dealership and my first payment was due XX/XX/2023. I log into the website XX/XX/2023 and request that my personal banks information be linked to my account. The bank notified me their processing time would be longer than I had to make a timely payment - thats easy, I make the payment over the phone. On XX/XX/2023, I received an email from PNC including my name, my banks name, my bank account number, the character of my bank account, and several other key data points in an unsecured, unencrypted email. I recognized this as enough information to compromise my identity and have incessantly reached out to PNC for resolution, and they done very little to nothing in the last XXXX business days. I confirmed with them that this is not their standard business practice. I confirmed the origin of the email is PNC - meaning it isnt a phishing attempt. I confirmed that it is their policy to redact account numbers in electronic communication. They simply did not and couldnt explain why this incident was different. The only thing they have done in XXXX Business Days is continue to escalate the matter internally, while my information continues to be compromised.
Company Response:
State: MO
Zip: 65802
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have ( had ) a money market account with PNC Bank that was an account I was not going to be using. When the bank moved from Compass to PNC, I asked them if it would be a problem to keep it without use in their bank, as with Compass, I did not have that problem. They assured me it was not an issue with them as well, and my money would be secure and making small interest ... Come XXXX, when I received and was looking at my bank statement, I see that my balance says XXXX with a deduction of XXXX. Escheat closing... I immediately called the bank, and they told me that due to me not using the account, it was closed. I explained that this was not going to be a used account. I received no help from the phone person ( XXXX ), who only gave me a number to call, when I did call it says they do not have to mail a letter. Getting no help or call back from the number given to me. I Went to the bank, asked why I never received a letter telling me I could possibly loose the account if I did not go in. They had no good answer and I have been getting the run around from them there. I was told I had to contact the state ( they now have my money ). They have not tried to help me. I need to know who to contact. Or what to do, where to go to get my money back. This is just not right that I have to chase my money around.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A