Date Received: 2023-07-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I received a text message from PNC alerting me that they suspected fraudulent activity on my card. I replied to the message ASAP stating that the charge was wrong and that it should be flagged. I think called a few hours later just to make sure everything was taken care of and that my card was cancelled. I was assured on that call that the card had been cancelled but that since the charges were still pending I would have to wait and see if they actually went through before further action could be taken. After that I received weird emails in my inbox directly from XXXX stating that orders had been shipped. I immediately called XXXX stating that these orders were made fraudulently and that they need to be cancelled. I looked at my PNC account it looked as if there were 15 separate charges of {$300.00}. All from XXXX and all including the exact same product. They said that since they had already shipped there was nothing they could do about it. I then proceeded to call UPS, who they said they were being shipped by to cancel the shipment and send them back to XXXX as I did NOT want these products. They said there was nothing they could do on their end as the shipping process had already started. Once the charges formally hit my account I called the bank to file the dispute and then received a provisional credit a few weeks later. Then, Friday, XX/XX/XXXX I received a few letters in the mail stating that XXXX of the charges were found fraudulent but the other 12 were not. I don't understand how if all of these charges were made at the same time, for the same order, for the exact same amount how a few could be found in error but the others could be ruled as intentional. We did NOT make these purchases and did everything as we should have as consumers to take care of this back when it all happened. We have talked to multiple people at the institution and no one can provide us a rational reason as to why this didn't get approved and they are also unwilling to help us fight this to get our money back.
Company Response:
State: NC
Zip: 28152
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
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: On Thursday XX/XX/XXXX I went with the Buyer of my XXXX XXXX XXXX to the PNC Bank Branch ; XXXX XXXX XXXX XXXX, XXXX, MN XXXX. The buyer of my car provided a Cashiers Check made payable to PNC Bank as instructed by PNC Bank. The branch Manager set up there ATM Teller and proceeded to take the cashiers check and applied it to my loan ending XXXX. The amount due for the payoff was {$8200.00} the check was for {$18000.00}. I was assured by the Branch Manager and the Teller the remaining balance of {$10000.00} would be mailed to my address on file as soon as the check was confirmed and the loan was paid off. On XX/XX/XXXX my account showed the loan was paid in full. The cashiers check that passed through the Federal Reserve was confirmed on XX/XX/XXXX. I should have received the overage check by XX/XX/XXXX, no later. It is now XX/XX/XXXX. Both my Father and I have contacted PNC Bank numerous times to resolve this issue. They are telling us there is nothing they can do as the Loan is now paid off. I need your help they have stolen {$10000.00} from me. This is causing me irreparable harm as I am short funds that I needed from this transaction. I have contact an attorney which stated that Federal regulations require banks to make funds deposited in an account by cashier 's, certified, or teller 's checks available for withdrawal not later than the business day after the banking day on which the deposit takes place. He is willing to take on my case but it may cost me more than {$1000.00}. Can you please help me with PNC Bank?
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an checking account with PNC. My son opened a student account when he was XXXX. Because this was a student account and he was not yet XXXX, I was added onto his student account. After he turned XXXX, we went to a branch together to request that I be removed from his account. PNC mistakenly removed him from the account leaving his account under my name. PNC has been notified through XXXX calls, and XXXX in person meetings at the branch in an effort to rectify the mistake made by PNC. Because he was removed from the account in error, my son is unable to deposit any funds to the account. Subsequently, my son had an automatic withdrawal that caused his account to become overdrawn. Even though he was incorrectly removed from the account, they sent him a new debit card. Thus, if this account were truly only in my name, PNC has issued a debit card to another individual for " XXXX of my accounts '' without my authorization. I have now received notification that the debit is assigned to me, the account is being closed, and collections is starting. PNC 's mistake could now impact my credit score.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was have account in PNC bank and the bank close. My account was no reason and I was buy all my bill from this account and I got charged fee for all my bill because I am late for payment and all of this because the bank close my account and the bank doesnt see any reason for this situation.
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: PNC sucks, they are intentionally delaying my dispute resolution! The details provided, in this instance, were sufficient enough, for an expeditious decision! Ive escalated this XX/XX/XXXX, to the office of the president. In hopes of expeditiously resolving, and STILL my dispute remains pending. Ive complied with all documentation request, and requested a senior level, supervisory review. Yet, theyre prolonging this, for the full 90 days. If I were a wealthy client, working with wealth management, this wouldve been resolved more efficiently! My dispute with the XXXX XXXX XXXX, started sometime end of XXXX, early XX/XX/XXXX. I didnt receive my refund, for an unused loan, the funds were returned to the company XX/XX/XXXX! Per their policy, my refund would be issued via check, in 14business days! Since they failed to follow procedure, I disputed with PNC! Provided proof of the funds being returned, yet PNC is taking the full 90 days, to issue my credit. They also never provided my provisional credit either! I feel, all of this is intentional, since I escalated a complaint. My rep also hasnt been helpful, whatsoever! Our last conversation, was XX/XX/XXXX with no updates!
Company Response:
State: MD
Zip: 21921
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I received a cashier 's check from PNC XXXX XXXX, for XXXX to purchase a car. The check was immediately deposited in my account at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. On XX/XX/XXXX, I took a cashier 's check for the exact pay off amount for the XXXX to the car dealership. On XX/XX/XXXX, a stop payment on the cashier 's check was applied to the check from PNC and all monies were cleared from my account to cover XXXX. I never got any notification from either bank about the stop payment. I realized the application when I tried to buy a scoop of ice cream on Monday XX/XX/2023. I immediately called both banks to find out what was going on. I filed a police report bc of an employee at PNC XXXX XXXX. XXXX fraud report # XXXX. I filed a complaint with XXXX, who monitors credit union activities. I have no money in my account. According to XXXX, any money deposited will go to repay the stop payment. I want the stop payment reversed XXXX I used the money as it was intended. I should not have a total " loan payment demand '', when I purposely did not take out a loan. My account should not be held XXXXXXXX XXXX of bank errors. No one talked with me about anything.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: hi- there was a fradulent cheque written on the business account- it is cheque number XXXX for XXXX on XX/XX/2023 PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX michigan Police report number XXXX - XXXX XXXX police department XXXX XXXX XXXX I would like these funds returned to me as soon as possible As there is a very large amount of cheque fraud that is going on right now in XXXX XXXX- where someone is taking the cheques out of the mail box at XXXX mile and XXXX XXXX XXXX
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello, I have this feeling that PNC and possibly other banks are exploiting their customers who are XXXX hoping that if a certain % or customers can't return XXXX XXXX XXXX to deal with accessing their in person, that's an opportunity for PNC to loot. I am a PNC customer for decades. My home base is in the XXXX XXXX area. I started as a customer of XXXX XXXX, which was merged/acquired by PNC. I am currently in XXXX, XXXX working remotely. I have been in XXXX for about 2 years. Weeks ago, I attempted to deposit an image of a refund check from the XXXXXXXX XXXX XXXX using the PNC App. This is a simple transaction that used to work for me before. This time, it was failing with no valid error message. It must be a new version of the app that was buggy. I contacted PNC support using the PNC online system via chat. The PNC customer support person ( I don't remember his name and I can't get his name because I am locked out of my PNC online account ) made a suggestion to reinstall the PNC app on my mobile. I did so but the app kept asking for MFA code which PNC was not sending or took their time to send. After a few tries, the PNC App said the service is no longer available. Then I tried to login to my PNC account online to contact customer service via chat again. My PNC online access, like my phone PNC app, requires MFA codes. I received the MFA code via my phone and proceeded to login. That's when I was presented with a screen that said my account was suspended and to call an XXXX number that I can't call because these numbers don't work from XXXX XXXX XXXX When I received a PNC survey link in my email box, I filled it out and requested follow up call. I got the follow up call from a lady who asked a few questions. I explained my situation to her. After the call ended, I got no follow up from PNC. So now I have no way to contact PNC customer support using the app or online messaging or chat. PNC does not do email support. I went to the bank 's PNC XXXX XXXX XXXX XXXX and left a message. I was asked for some basic contact info and told someone from the " escalation '' team will contact me in a couple of days. I did get a call from their escalation team. the lady asked for ID verification. Everything checked. Then she put me on hold. The connection dropped. No one called back. I reached out to XXXX XXXX multiple time after that over days. I was basically ignored. No one called. No access to my account online or via bank app. PNC Bank ghosted me and now I am stuck in XXXX. XXXX borrowing money from friends. This feels like a scam. So now I have to pay over {$2000.00} in travel and related expenses to go XXXX XXXX XXXX XXXX to resolve this issue in person and back. I am not the only one who is experiencing this. A number of friends who are digital nomads working from other countries remotely, something that has grown popular since COVID-19. They too reported an increase in bank account access problems where they were locked out and had to travel back to deal with the issue, even though they were able to validate their IDs using MFA, mobile, email and via government IDs, but their banks refused them access under the guise of protecting their account. Please help me access my account and investigate this alarming practice. If PNC Bank is doing this to me in such a blatant manner, they must have done it to others who are XXXX XXXX XXXX. Thank you, XXXX XXXX
Company Response:
State: VA
Zip: 22153
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I submitted a claim back in XXXX of this year on a order from XXXX I never received. Right away I contacted the merchant in which I was promised a refund since the restaurant was closed. I received a confirmation email from XXXX. Fast forward to XXXX my claim was denied with no explanation as to when I had tangible evidence between email, phone calls, and waiting for the funds to reverse back into my account, I made a complaint with the XXXX XXXX XXXX and someone contacted ( XXXX XXXX XXXX ) via email. For the past month I have sent numerous emails and calls trying to get in contact. Still no answer.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had a credit score of XXXX when I applied for a mortgage with another company earlier this year. My credit score dropped significantly when PNC lowered my credit card limit without informing me. I did not know my credit card limit was lowered thousands of dollars until I tried to make a purchase and got declined. I made a phone call to PNC. The PNC rep advised that my limit was lowered due to a drop in my credit score, although my credit score has fluctuated throughout my time having the credit card with PNC and this has never happened. I told the rep I applied for a mortgage and that my score dropped maybe XXXX XXXX. How convenient that after that phone call, I then get a letter in the mail days after stating the changes to my credit card limit. PNC advised that my credit card limit was lowered on XX/XX/2023 which is in the middle of my billing cycle. I made purchases before XX/XX/2023 but when my credit limit was lowered, these purchases made my balance higher than my limit. This then triggered a report to the credit bureaus and my credit score dropped significantly. When I spoke PNC and the rep made it seem like it was my fault for making purchases. I made purchases when my credit limit was higher and the purchases were approved ( possibly pending ) because the credit was there at the time. Seeing my credit score drop significantly for no reason of my own, has caused significant anxiety, stress and trauma in my life.
Company Response:
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A