Date Received: 2018-08-16
Issue: Problem when making payments
Subissue:
Consumer Complaint: PNC Bank continues to make improper and unauthorized debits against my checking account for a Home Equity Line of Credit ( HELOC ) of {$150000.00} that I have with them. Minimum payment due on this account by XX/XX/2018 was {$50.00}. On XX/XX/2018 I mailed a check of {$2500.00} to PNC for the HELOC account : {$50.00} for the minimum due, and {$2500.00} extra principal and I indicated this split on the bill voucher. On XX/XX/XXXX PNC cashed this amount of {$2500.00}. On XX/XX/XXXX, several days later, PNC then unilaterally and without my authorization or my wife 's debited our checking account an additional {$50.00}. I noticed this on XX/XX/XXXX at which time I called PNC to complain and to ask them to ( a ) refund me the {$50.00} ; ( b ) assure they would stop doing this in the future ; and ( c ) provide me with how to make a complaint with the appropriate regulatory agency. They have so far done none of this despite my several ( lengthy ) phone calls and emails requesting such I have cut and pasted below an XX/XX/XXXX email exchange on XX/XX/XXXX. I also left a voicemail with this PNC official on XX/XX/XXXX -- I have received no return call. XXXX XXXX Dear Ms. XXXX : Thank you for your email. I hope we can resolve this matter quickly ( no later than XX/XX/XXXX ) by email as that will be more efficient and leave a written trail. I reached out to PNC on XX/XX/XXXX and spoke with a XXXX XXXX ( sic? ) and requested that a supervisor call me back on Friday, XX/XX/XXXX, at XXXX EDT. It was my understanding that that would happen. When it did not then at about XXXX EDT today I initiated more calls to PNC and on my third attempt first two calls of about ten minutes total dropped was connected to a XXXX XXXX in Escalation ( XXXX ). I made three requests of Ms. XXXX : 1.That our joint checking account be immediately reimbursed for an improper debit of {$50.00} made by PNC on XX/XX/XXXX. 2.That I receive a written letter from PNC confirming that henceforth it shall be able to handle my checks for the HELOC account correctly, something it has been buffaloed by for some unknown reason for several months now. 3. That PNC provide me with a contact at the necessary regulatory or oversight department concerning banks in the USA as I may decide to make a formal complaint for these continued improper debits to our account. At that point, Ms. XXXX said she would have to escalate the matter further as my mention of regulatory required her to do so. In any case, if we do need to speak I could do that on XX/XX/XXXX at either XXXX XXXX or XXXX EDT but, as noted, if we can resolve all of this by email that would be my preference. Thank you XXXX XXXX XXXX p.s. You may also see in notes that I have been calling PNC about this same problem for several months and amongst all those calls have probably spoken with about ten different individuals for well over two hours combined. From : XXXX, XXXX [ mailto : XXXX ] On Behalf Of PNC Bank Retail Escalation Team Sent : Monday, XX/XX/2018 XXXX XXXX To : XXXX XXXX Subject : Contact Requested Contact Requested XXXX XXXX XXXX : XXXX At PNC, we believe feedback from our customers helps us provide better service in the future. Thats why we want to thank you for taking the time on XX/XX/2018 to share your concerns with us. Your concern has been forwarded to my office for review, and I would appreciate the opportunity to discuss the matter further. I have not been able to reach you by phone at XXXX. Please contact me by phone at XXXX, extension XXXX or reply to this message with the best times and phone number to contact you. I look forward to the opportunity to assist you Sincerely, XXXX XXXX Please note that email is an unsecured form of communication. We are contacting you via email because we have been unable to reach you by phone. If you choose to respond to this email rather than calling the number we have provided above, please do not include any account related or sensitive personal information in your response ( examples include, but are not limited to, account numbers or social security numbers ). The contents of this email are the property of PNC. If it was not addressed to you, you have no legal right to read it. If you think you received it in error, please notify the sender. Do not forward or copy without permission of the sender. This message may be considered a commercial electronic message under XXXX law or this message may contain an advertisement of a product or service and thus may constitute a commercial electronic mail message under US law. You may unsubscribe at any time from receiving commercial electronic messages from PNC at http : //pages.e.pnc.comXXXX PNC, XXXX XXXX XXXX, XXXX, PA XXXX ; pnc.com
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I keep getting multiple phone calls from XXXX stating that it is PNC Bank saying that I have been preapproved for a loan. I have tried to contact someone to tell them to stop calling, but when I call from my office phone I am placed on hold and then it hangs up. This is stressing me out, because I know it is not PNC Bank.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SCRA request made XX/XX/18 to XXXX that included my request, a copy of the service members XXXX, our address and name. I received a letter dtd XX/XX/18 again requesting a copy of the XXXX. I again emailed them to the company. I do not feel our request is being timely fulfilled. There has been no resolution to date.
Company Response:
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: PNC is working through XXXX XXXX to collect a debt, they claim amounts to {$610.00}. I did previously have an account there from XX/XX/XXXX-XX/XX/XXXX. I have previous statements from that time. I spoke with local bank tellers multiple times. The bank did refund some overdraft fees at first. Then they would not allow me to close the account. My paypal account was ACH linked, and continued to post ACH withdrawals when there was no money in the account. Resulting in more than {$1100.00} in overdraft fees that year. The {$610.00} they claim I owe them, was paid in overdraft fees via direct deposit that year, until I eventually switched banks and changed my direct deposit to that account. I believe the amount I owe is around {$120.00}. I am will to pay this amount, I am not willing to overpay once again in absurd amounts of overdraft fees.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2018-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: a. We received a letter dated XX/XX/2018 indicating that PNC was changing our account number with the new enhancements that were being completed on their computer systems. ( XXXX XXXX ) b. Received letter on XX/XX/2018, XX/XX/2018 and XX/XX/2018 that our payments were past due. c. Each time my wife or I contacted PNC and talked with various customer service representatives regarding this issue. We indicated on each occasion that our payments were on time, processed and verified by our local credit union. Payments were made electronically and documented since receipt of the XXXX letter. d. Again I called PNC after receiving their latest letter dated XX/XX/2018. Spoke to ( 2 ) customer service representatives and indicated that payment was made and I was in possession of documentation from my credit union that indicated that once again they had received all payments. The first Rep was XXXX XXXX and the second was Supervisor XXXX XXXX. Mr . XXXX indicated they was assign a case manager that would get in touch with us via a cell phone number that was provided. As of the date of this complaint wer have not heard from PNC.. To date no response from PNC. e. Attachments provided that clearly indicated that PNC has received all payments in a very timely manner. Payments are not getting credited for weeks and in some cases over a month. Consequently, we continue to receive letters indicating payments are past due. We very much appreciate you assistance in this matter. It appears that no matter how many times, we call, or take time to go to our bank and provide payment information it continues to occur.
Company Response:
State: MA
Zip: 01420
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I filed a dispute with my bank ( XXXX XXXX XXXX XXXX , XXXX. ) about a person who scammed me out of {$100.00} and they filed the dispute over the phone on XX/XX/XXXX and then 3 days later sent me a letter saying that the dispute has been resolved. This transfer was NOT valid and I told the several customer service reps that it wasn't and that it should be reversed. I'm very disappointed with PNC as this is the 3rd or 4th time they just resolve disputes without any investigations and/or figuring out that their customer was scammed out of money. This is not the kind of bank I want to have my money with and/or do business with.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2018, PNCBank Sent me a letter that stated that I was delinquent in the payment of my real estate taxes. Consequently, PNCBank stated that I must provide documentation showing that I was not delinquent. PNCBank did not provide the source of the information proving that in fact I was delinquent in the payment of my Real estate taxes. PNCBank stated that I would be forced to make payment to an escrow account if I did not prove I was not delinquent in the payment of real estate taxes. Provide a copy of the source without excuse.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, Sorry to bother you with this but I see no other choice, being a consumer fighting a big bank with departments to defend themselves, but to file complaints against my current bank for additional insurance charges that are not warranted and was never asked for. I have a loan that begin in XX/XX/2003 for an apartment/condo in XXXX. I'm the president of the condo board. Back about 7 years ago they wanted insurance that covered the wall studs in, which I provided although PNC Bank actual charged me but reverse it after I argued that I already had insurance covering that. Now they are claiming some other bogus claim that I do not have this or that insurance. First they claimed they never received my insurance coverage proof then once they got that they came up this claim that if I turn the building upside down it covers that. What? I did some research on this years ago and banks like PNC and XXXX XXXX were being sued for forcing mortgagees to buy insurance from companies that they either owned or had some affiliation to. So, if my bank which I signed an agreement with back in XX/XX/2003 decides that I need some type of insurance that they decide it should be enforceable? This sounds very corrupt and sets a bad precedence going forward. I would appreciate if you can notify them to stop trying to come up with created ways to charge me and others insurance so one of their affiliates can make money. I fully understand my insurance coverage and this is not justified and seems illegal. This is not my first run-in with PNC where they did everything to prevent me from refinancing my existing loan with them at a lower rate. Thank you for your time. Sincerely, XXXX XXXX XXXX Loan # XXXX
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-12
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2018, I called my PNC Bank Account, XXXX, followed the prompts, and heard that my balance was {$1.00}. That morning I did not use my Debit Card at all. By mid day, I walked up to the PNC ATM located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Telephone : ( XXXX ) XXXX ; made a {$300.00} cash deposit and the receipt reflected {$300.00} vs. {$300.00}. This is the second time I see money disappear when I look at an ATM Receipt. So, this time around I walked into the Branch and explained to XXXX ( an employee ) everything. She sat behind a computer and after 3 minutes or so, she said, " Oh, this computer is freezing. Let me try another computer. '' She walked into a private office, did not invite me, and after about one minute, I walked into that office, then she said, " They system keeps giving me an error sign. Let me give you a call once I find out why {$1.00} is not in your account. '' She said she'd call me later. Well, later turned out to be one or two DAYS later. I turned on my phone and there was a message. I simply saved it. Then, when I ran into her towards the end of the week, she said the missing fee was a MONTHLY fee. I found that to be extremely ODD because for the LONGEST time, I was NEVER charged a monthly fee because I was depositing OVER {$500.00} dollars. Then, they began to charge me {$5.00} because of some lie. And then XXXX says, " Oh, it was a monthly fee. '' And that's another lie because if it were a fee, there should have been a negative balance. And at the very bottom of the ledger attached ( if you see the figure ) It would have reflected {$1.00} vs. {$0.00}. With all sincerity, I perceive PNC Bank has duplicated 2 additional accounts with my identity, hidden my account again, and allowed illegal activity to take place. And the missing of {$1.00} was a TEST to see that if they wired ex amount of money a few days later, it would go into that duplicated account. That's what I think really occurred and I would like your Department to prevent this crime from occurring again. It's happened at least 2 others times where OVER {$200000.00} gets deposited ; and the idiots wants to make it seem " It's my money. I have access to it. '' And I have ZERO access to it. Then they want to transform my internal body to reflect " Spy. '' And I do NOT qualify to be a spy nor am I ANYONE 's spy. That's another crime in itself. Please have PNC shut down any other account with my identity ( XXXX ) ; and change their codes. I find it to be highly unlawful for my deposits to go into another person 's account who then wants to make it seem we're a team. I'm an independent Citizen with NO spy sister, tribe, and I am LEGAL in our country. So, please end this nonsense. Unmerge my account ; and enforce respect. Thank You, XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Saturday, XX/XX/XXXX, I checked my PNC Bank account and saw that my balance was {$1000.00} lower than I had expected. I called PNC Bank, and they told me that someone had used my identity and walked into a PNC Bank branch on Wednesday, XX/XX/XXXX, and withdrew {$1000.00} from my checking account. The fraud services representative at PNC Bank then compared the signature from the {$1000.00} withdrawal against my signature on file from when I opened the account, and noted that they did not match. Upon further investigation, PNC Bank called me later that week and told me that this incident occurred at the branch on XXXX XXXX XXXX. I was told by the fraud services representative that the {$1000.00} that was taken from my bank account would be returned to me within 3 days of my initial phone call to them on XX/XX/XXXX. I have not yet received the money, and have made repeated phone calls asking why. Each time, PNC 's response is vague and and unhelpful, and I am concerned that the {$1000.00} that was taken from my bank account will never be returned to me.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2018-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A