Date Received: 2018-09-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: First of all I will admit I overdrew my checking account because of an emergency XX/XX/2018. It was my payday and that morning I withdrew XXXX dollars from the atm on the corner of XXXX XXXX and XXXX XXXX XXXX in XXXX ohio. I had to automatic payents for XXXX and XXXX dollars and than I made a purchase at XXXX and for XXXX dollars and a purchase of XXXX at XXXX XXXX. this was all done before XXXX XXXX. Later on that day I made a purchase for XXXX at XXXX due to an emergency which I admit overdrew my account by about XXXX. The emergency XXXX purchase was the last time I used my account. I checked my account the morning of XXXX XX/XX/2018 and I had four overdraft charges and the XXXX dollar transaction was still pending. I immediately called pnc to file a complaint about this. On XX/XX/2018 the transaction for XXXX that caused the XXXX overdraft cleared and I was charged another overdraft fee. So one XXXX dollar overdraft has now cost me five XXXX dollar overdraft fees totaling XXXX dollars and one continuous overdraft fee of XXXX dollars for a total of XXXX dollars in fees and counting. On XXXX XX/XX/2018 I received a call from XXXX XXXX which I missed who is from pnc 's fee escalation center, yes they have a special department to deal with their escessive fees. I called the number and was connected to mr.XXXX XXXX and when I asked for XXXX he said she was not available and he would be able to assist me. I explained the problem to him and he informed me the the fees where charged correctly and what had happened is that they had spread the overdraft out over FOUR TRANSACTIONS TO COVER IT. I said that is not how banking works in this country and informed him that I would be filing a complaint with the cfpb.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: PNC refuses to allow me to close inactive accounts with them.
Company Response:
State: CA
Zip: 96007
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I had a XXXX XXXX XXXX for 2 years never miss a payment of been late.. The car was total loss in XXXX in or around XX/XX/XXXX. I got in touch with my insurance company which was XXXX and they did there part as soon as they could and I was pleased with them and during that time I called to PNC bank to report the incident and they was in touch with my insurance company and worked everything out with the payment which they paid over XXXX and Gap insurance was paying the balance which left a little over XXXX. I spoke with PNC bank several times about the payments and to keep them informed and we kept each other informed about the process and PNC new they were getting paid and they proceed to place a late payment on my credit and knowing that they were getting paid and they new the exact date that the check would be process. I would like the late payment removed off my credit because I have never been late with any of my payments on anything and I think it is very unfair for them to place this on my credit.
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Good Morning, I am writing you today as an aggrieved man. I filed an unauthorized charge claim with PNC Bank two weeks ago. I still nit have yet received my money back. I was told it would take 1 business day and I still have not received anything back. There were unauthorized charges that I knew nothing about nor consented to. I demand that my money stolen without permission be returned to my account asap!
Company Response:
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: PNC XXXX XXXX XXXX had sent out a promotional mailing that said the card had a 4 % payback on ALL purchases. After spending a few thousand dollars I went to cash in my XXXX points and the " conversion '' to cash back and applied to my account and the conversion to cash was only {$22.00}! The 4 % points generation ( XXXX ) are actually not worth {$110.00}, which would be the case with all my other 1 % card cash back, like XXXX, XXXX, XXXX, etc. Thus, the net cash back is not even 1 %, but rather only 0.8 %. I call this false advertising!! I talk to a PNC rep today ( XX/XX/18 ) and he said you get less on cash back and most people use gift cards. Well I check the conversion to two gift cards, XXXX and XXXX gas. The conversion is the same, NOT point per dollar, the same 0.8 % conversion of point to dollars. Very deceptive advertising!
Company Response:
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I've received 21 phone calls, just in XXXX from PNC Bank. They never leave a voicemail but their name shows up on caller ID. I've tried twice, once on XX/XX/XXXX and once on XX/XX/XXXX to speak with them regarding the debt I owe. I wanted to arrange a payment plan and discuss my financial hardship, and both times the representatives refused to submit any requests unless I set up an auto withdrawal plan.
Company Response:
State: GA
Zip: 31069
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I'm unable to withdraw cash from my account at PNC Bank which has over {$3000.00} in funds, The account shows the balance as {$0.00} available and I'm not sure what happened to my funds. Called customer service several time they were unable to help me and they can not figure out what happened to funds in my account. This situation has caused hardship and pain. My stress levels increased resulting in XXXX XXXX XXXX. Please help.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: If this does not come up in columns where it is easier to read, I am attaching a copy in XXXX format. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ On XX/XX/XXXX I began receiving payments from XXXX XXXX XXXX XXXX for XXXX claims covering my Home equity loan thru PNC Bank. Since the beginning I have had issues of my monthly pmts received being posted to the wrong due date on my account. In the beginning I tried calling PNC loan dept to resolve the issue but never seemed to get anywhere with them. I followed up going to a local branch of PNC & their customer service dept was able to get the loan dept to correct the entries to reflect the correct month/payment due date. On XX/XX/XXXX PNC closed the local branch I was dealing with and also revamped their computers. At that time EVERYTHING changed. Payments were reapplied, but this time to the wrong due dates, then showing months that they had already received payment on were still shown as due. I had to start dealing with their corporate offices again & yet again could get no where with them, being shuffled between their loan servicing area & escalation dept. Schedule of checks issued by XXXX XXXX XXXX XXXX XXXX loan due date.. All payments prior to these dates have been reconciled & already corrected. ( Dates of posting may be off a day or two from date of rcpt ) All amounts are {$400.00} unless noted. XXXX XXXX issued Date pmt should be applied to XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Deducted add'l XXXX from ckg acct telling me pmt due for XX/XX/XXXX was due XX/XX/XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Communications made ( this is not full list, I didn't keep track of names until I realized follow up was never gon na happen. XX/XX/XXXX XXXX service dept will review & cAll back XX/XX/XXXX XXXX loan servicing area will send copy of acct ( I rcvd this approx XX/XX/XXXX but print was so light it could hardly be read She said they have had problems with their new system but assured me it would be corrected soon. XX/XX/XXXX XXXX service dept transferred to loan servicing XX/XX/XXXX XXXX XXXX loan servicing will reverse & correct posting 3-5 business days.. ( never happened )????? XXXX XXXX Nothing could be done since pmts applied to current month due. I Told him for 6 years they've been applying to correct months but he insisted in his arrogant way, " can't change our policy. '' I informed him, as I had informed several others that They can not just ignore my due date & apply pmts to whatever they wanted. XXXX XXXX was applied for thru PNC. It was not an outside company that I chose. I have contacted XXXX XXXX several years prior when there were 6 months worth of pmts made and not a XXXX was taken off my loan. PNC Bank never resolved that problem either. XXXX XXXX said it was not their issue since it all goes directly to PNC to post. They couldn't change their issue date or send their pmts directly to me to pay out to PNC monthly because of their agmt with PNC. I told PNC they are leaving me no choice but to higher a lawyer to resolve this. He laughed and said " Okay, Be sure to give them my name '' Then I asked to speak to someone higher than him, & I really can't remember what he said since I was so emotional & had to hang up. ( To be honest, I live ( barely ) on SS XXXX and can't afford a lawyer, but I hoped it would motivate him to let me speak to someone higher than himself. I figured since this issue has caused my health issues from stress and anxiety to the point I would have anxiety attack just seeing an envelope in the mail with PNC 's name on it, I would let it go, show a double payment for the month and have it over with. THEN THIS HAPPENED XX/XX/XXXX pmt was already made by XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ( double pmt applied and on XX/XX/XXXX another pmt of XXXX was taken out of my chg acct. I realized this when I rcvd my monthly stmt on XX/XX/XXXX. When I saw this I was literally shaking & had chest pains that I thought I would have to go to the ER. I calmed myself down & had to call yet again. XX/XX/XXXX /?? name will escalate acct. will call back 1-2 business days XX/XX/XXXX ( XXXX XXXX ) Asked again if they could change pmt date or if checks could be sent to me. Gave me same answer as when I called a few years ago XX/XX/XXXX XXXX XXXX looking into changing due date & checking why XX/XX/XXXX pmt was taken out of my acct. Never heard back from her. She told me no other payments would be posted without going thru her so she could regulate how they should be posted.Gave her a month to review XX/XX/XXXX left msg for XXXX XXXX Since I did not hear back from her & and mis payments are still being made, I told her if she is incapable to handle or correct, refer me to someone who could. They are set to deduct another $ XXXX+ today from my checking. There are so many more calls I made than listed above but never wrote down the names for multiple reasons including they just referred me to another dept, or was told someone would call back. Here I am today feeling helpless & being ripped off by my bank. I would refinance my home, but I still have 2 years left on the policy with XXXX XXXX and would be crazy to lose $ XXXX+ in XXXX payments thru XX/XX/XXXX. Please if you can not help me, maybe you can advise me what I should do next. I have copies of the XXXX XXXX payments, if needed, going back to the start and what months they pay & some hand notes of what I have written above.
Company Response:
State: PA
Zip: 187XX
Submitted Via: Web
Date Sent: 2018-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-20
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: PNC Bank fails to give all correct information to customers. I have had numerous phone calls regarding overdraft fees where in each call they have all said different rules and regulations for their policies. The only policy that is consistent is they give one courtesy refund per year. What they don't tell you is that even if they are refunding a fee due to their mistake, it still counts as the 1 courtesy refund. To me, a courtesy refund is when a customer makes a mistake and the bank refunds the fee even if it was a correct charge. I have been charged 12 withdraw fees within a month. That totals to {$430.00} I am currently unable to work due to my XXXX. My husband has taken on all of our expenses. I realized two checks and a car payment were coming out that we did not have the funds for until next week, so I called PNC Customer Service. I explained the situation and the associate told me to OPT IN to Overdraft Coverage. So I did and thought what a great solution! WRONG! The next day my account was negative {$930.00} and not only that, but my bills were not paid. They charged me three {$36.00} fees for my car payment and every other charge they could manage to get on my account. So I called PNC Customer Service. After explaining the situation and what the associate had told me the day before, the associate I was currently talking to advised I do not use overdraft coverage because they charge {$36.00} for every single transaction and they do not guarantee expense coverage. Plus they charge a return fee and a reprocessing fee, both {$36.00} as well. I was in shock. Why would you offer a customer a solution without explaining all policy guidelines? Why would another employee advise against a solution the bank they work for is offering? Early in the year I had a {$100.00} refund that they called my courtesy refund, since PNC only gives back one a year, so they refused to give back any fees. They told me I could speak to a money manager to see if they could help me. When she transferred my call we went through the same thing, but then she also tried to tell me how to budget my expenses and how to plan better. I apologize, but sometimes life throws some unexpected turns and you can not plan for all of it. How dare you also assume that this problem is because of careless/unplanned spending. So I went to their bank location in XXXX XXXX, IL and spoke to a branch manager, he was unable to help me, but told me who could. So I went to the location in XXXX, IL and spoke to their branch manager, who was also unable to help me. He explained the fee process again and apologized for them sending me to him, but he could not help me. He said he wished there was something he could do, but unfortunately the people who take advantage of the system ruin it for everyone else. So I literally wasted my time and more money driving to these locations for everyone to say they can not help me. I refuse to believe there is nothing they can do. It is also ridiculous they are judging my situation based off other customers actions. I have been a loyal customer with my husband since 2015 and this is the first time we have ever had a problem like this.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2018-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2018, I attempted to purchase tickets for a football game over the internet. I contacted the seller, agreed on a total of XXXX USD, and was told to use XXXX to transfer the amount to them, after which they would send me the tickets via email. After confirmation was sent to the seller, I received no further contact from them. I felt comfortable using XXXX because my bank, PNC, uses the company for money transfers. After disputing the transaction with my bank and XXXX, sending screenshots of the text message conversation with the seller and other applicable information, I received a letter in the mail stating the following : " You contacted us recently to dispute a person-to-person payment to/from your account ending in XXXX in the amount of {$720.00}. Based on our investigation, the transfer was valid and processed as instructed. As a result, your dispute was denied. You have the right to request the documentation we relied on in making our decision. '' While I understand that I initiated the transaction, I was not aware that XXXX provided zero protection for consumers using their product, or that I was being scammed through their app.
Company Response:
State: MI
Zip: 49417
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A