Date Received: 2018-05-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My daughter applied for a car loan at the PNC branch. They gave her a check package to give to the seller. But, my daughter changed her mind about the car and shredded the check and notified the bank. The assistant manager sent an email to the loan dept explaining that my daughter decided not to purchase the vehicle and that she had shredded the check. ( mistake on her part, I admit ) The assistant manager told my daughter that the loan was going to be reverse and that no payments would be drafted out of our account. However, on XX/XX/2018 a debit for {$460.00} was made to our account for the first payment. I called the bank to dispute it and explained that my daughter never got the car. The branch manager remember that my daughter had notify her of that. A few days later, I received a called from the bank to let me know that they were going to credit my account because indeed there was no loan and that they didn't know how it had happened that they booked the loan into the system, even though they didn't receive the title or any signed documentation for the sale of the vehicle. I waited a few days and no credit was received. I contacted the branch to inquire and was told a new and different story. They said they needed to research and see why they booked the loan and that it would take 90 days for them to put a stop payment on the check, and that on the meantime while the 90 days run and they research, we would need to continue making monthly payments. Now, this is absolutely unacceptable. PNC has policies in place that don't make sense. I had an issue a few months ago with an unauthorized debit on my account and even though it was clear that the debit should have never been honored, they did and declined my claim. I had to appeal and take it to higher level and that took nearly 5 to 6 months to resolve and get my credit back. I do not trust this bank. I have opened accounts at another bank to move my account relationship. I hope that you can help us resolve this issue as soon as possible. It is absolutely insane and abusive on their part to ask us to make such a large car loan payment for months, just because they can't figure out what they did wrong. I worked in XXXX for 25 years, including at this XXXX and I have never seen customers issues being handled the way they do it.
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: I bought an XXXX XXXX from a seller on XXXX. He told me to pay through pnc XXXX. I had never used the service before and figured seeing as it was through pnc that it would provide me with the same protections my bank did. He didnt ship the item and just quit responding to me. So now Im out {$600.00} and apparently nothing can be done. XXXX and pnc should legally be forced to fight fraud or pnc shouldnt be linked with XXXX if it allows fraud to happen.
Company Response:
State: PA
Zip: 15044
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, CHECK # XXXX {$210.00} was withdrawed from my checking account and I was charged a overdraft fee of {$36.00} I have contacted PNC bank to waive this fee as a courtesy credit, and they have refused saying that I'm not eligible. Here is the Reference number : XXXX I asked to be transferred to a supervisor/manager, and they said they would call back. After contacting the manager, they were saying that I'm not eligible. I asked, what is your eligibility for issuing courtesy refunds? and they said " we don't have one ''. I'm very confused that they don't have a policy that defines the terms. They were being passive aggressive about answering this question. They said I received 2 courtesy refunds in XX/XX/XXXX, and that they can not issue one for me now. I have been a loyal customer for at least 12 years, and they are actually refusing to reverse this fee. I think it is unfair that they can do whatever they want without any clear policies. They are not transparent about their practices. I think this is more than my concern for {$36.00}, actually banks should have clear policies about these things. I'm sure this fee applies to many Americans who are not financially doing well. This is one of the issues I think that affects the poor and that's why there is no clear policy!!!!!
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Problem when making payments
Subissue:
Consumer Complaint: On XX/XX/XXXX or XX/XX/XXXX I paid {$100.00} on my line of credit at PNC bank by transferring it from my PNC checking account through their on-line system. My overdraft shows a payment of {$100.00} on XX/XX/XXXX. On XX/XX/XXXX, I check came through my checking account that resulted in an overdraft of approx. {$13.00}. I was then charged an overdraft fee of {$36.00} even though I had made a interbank transfer of funds and it was received 2 days before the overdraft occurred. I believe that this violated both the fund availability policy which allows both cash ( available immediately ) and the first {$200.00} of a deposit to be available the next business day ( so XX/XX/XXXX ). In addition, this action further violated 12 CFR 205.
Company Response:
State: MO
Zip: 63017
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged XXXX XXXX dollars eleven times for items PNC Bank didn't pay. When I set up my business checking account, I told the representative that I didn't want overdraft protection. I was credited back seven of the charges and was told I can't get the rest refunded back.
Company Response:
State: KY
Zip: 42301
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dispute reference XXXX filed in a timely manner with the banking institution, on XX/XX/2018 a PNC Debit Card Transaction Form was completed and faxed, along with a detailed page listing a documentation/illustration of what should have been received. A scanned copy of the documents provided to PNC have been attached.
Company Response:
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My dad passed away unexpectedly in XX/XX/XXXX and my sister and I inherited his house and his mortgage with PNC Bank. In XX/XX/XXXX I had to switch the homeowners and earthquake insurance to my carrier, XXXX, because my dads carrier wouldnt allow us to stay with them because we werent already customers. In late XX/XX/XXXX I received notice from PNC that the XXXX policies werent listing The Estate of [ My Dad ] as a beneficiary, and if I didnt get this corrected, PNC would force place a policy. I contacted XXXX on XX/XX/XXXX and three way called PNC - the PNC rep told the XXXX rep what the policy needed to say, and the XXXX rep made the change and sent the updated policy info to PNC with The Estate listed as an additional beneficiary. The PNC rep confirmed that they had what they needed and would not force place insurance. On XX/XX/XXXX I called PNC again ( since they have been horrible to work with and I dont trust them ) to confirm that all the insurance info was correct. I had a bizarre exchange with a rude PNC rep in which she made up a story about someone from XXXX named XXXX ( no such person exists in connection with my account ) calling her, but ultimately PNC confirmed again that the insurance information was adequate and that they would not be force placing the insurance. The following week I received the declarations page from XXXX indicating that The Estate had been added to my policies as an additional beneficiary, consistent with what PNC asked us to do. Then I receive a letter from PNC dated XX/XX/XXXX stating they force placed the insurance. PNC needs to remove the force placed insurance and refund my account because the house has already been insured through XXXX since XX/XX/XXXX. I believe PNC is a dishonest and unethical company who is simply trying to make extra money off a couple of sisters in the chaos following the sudden death of their dad. PNCs employees have demonstrably lied to me by making up stories about XXXX from XXXX calling them out of the blue to explain declarations pages. My coverage under the XXXX policies is wholly adequate - it lists The Estate as an additional beneficiary in compliance with how PNC instructed XXXX to update the policy. PNCs representatives confirmed on multiple occasions that the policies are compliant and that they would not force place a policy. As an insurance attorney, I can state that the XXXX policy is in compliance with the changes requested by PNC - to list The Estate as an additional insured - and the coverage is legally adequate to protect PNCs secured interest in the property. There is absolutely no legal reason that PNC needed to force place insurance on my dads house. I believe PNC force placed the insurance in order to extract extra money from me, thinking that they have worn me down with frustration and I wont fight them. I believe PNCs actions are in violation of law.
Company Response:
State: CO
Zip: 80210
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: DESCRIPTION OF INCIDENT : ( include names, date, times, location, specific quotes if applicable ) I posted an ad on XXXX on XX/XX/XXXX. Here are the details of conversation I had with the person who did the fraud. Fraud : XXXX XXXX XXXX XXXX Hi, I am very much interested in your AD. Please kindly revert back if it is available. Victim : XXXX XXXX XXXX Yes it is. What is a good time to talk? Fraud : XXXX XXXX XXXX XXXX I am very much interested.I will appreciate it if you will be kind to provide me with the following details : renting price/utilities, deposit if applicable, photos of the place, and also when is the move in date? I do follow clean and healthy habits. Non smoker and drinker. Do get back to me soonest. Victim : XXXX XXXX XXXX XXXX I am only looking currently for 2 months : XX/XX/XXXX and XX/XX/XXXX and then from XX/XX/XXXX until XX/XX/XXXX. The rent is XXXX dollars including utilities for 2 months. Will be XXXX starting XX/XX/XXXX. I can send you the XXXX video of the place If you text me your number. Where do you work? How long are you wanting the accommodation for? The move in date is XX/XX/XXXX and the move out date is XX/XX/XXXX. I have a XXXX month old so let me know if you are ok living in a house with a kid. Fraud : XXXX XXXX XXXX Hi, Thanks for your prompt response. I work with an organization engaged in XXXX XXXX. I am currently in XXXX, XXXX. And am originally XXXX ( XXXX ) .I appreciate the details you gave out to me about your room. Since i m unable to view it in person that helps my judgment. I m okay with the rental fees/utilities.I will be needing your help for much understanding. I can only make my first month Rent /Utilities payment through check because my sponsor is going to be responsible in handling my accommodation for the first month payment for my rent plus other expenses for my relocating and after the first month payment. I will be handling all other payments in person afterwards. Bear with me on this, due to a long distance from XXXX the only way of communication for now is through text Msg or email. And have attached a copy of my ID so you know am serious about getting the place. Can I Trust You to refund any extra balance back to me after deducting rent plus utilities from my first payment you will receive from sponsor because you will be receiving more than the rent on the first check the extra amount is for my travelling and relocating expenses. Let me know if you are comfortable with this and i will be so glad if you can. If you agree I will be needing you to reply back with your Full Name, Address and cell phone on where my company will make out the first payment to secure the place for rent plus utilities, Do get back to me soonest. Victim : XXXX XXXX XXXX XXXX I apologize, I only wanted a female roommate, Sorry it won't work for me Fraud : XXXX XXXX XXXX XXXX Please I am renting the place on behalf of my daughter who is relocating from XXXX to the US I will be needing you to reply back with your Full Name, Address and cell phone on where my company will make out the first payment to secure the place for rent plus utilities, Do get back to me soonest. Victim : XXXX XXXX XXXX XXXX XXXX, I have another person looking at the place tomorrow. She had contacted me first, I want to be fair to her. I can let you know by tomorrow end of the day if the place is still available for sure if you can wait. I don't really have anyone else right now lined up for the apartment other than that one person. Victim : XXXX XXXX XXXX XXXX My name is XXXX XXXX. My new address will be : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. here is the link to the XXXX video where you can see the apartment XXXX XXXX XXXX there is a guy doing the voice over explaining the apartment- he is the current resident. My cell phone number is -XXXX Fraud : XXXX XXXX XXXX XXXX Hi, Thanks for the detailed information. I am going to instruct my sponsor to issue out the soft copy of the check payment to you today. So you can print it out and deposit check via mobile deposit using your bank app on your phone. Like I had explained to you in my previous email there is going to be an extra amount on the check, After the deduction of rent amount. It is meant for my daughter travelling and relocating expenses. I will also like you to take down the AD on XXXX since we are both confirming. I am going to keep you posted with the check payment today. Victim : XXXX XXXX XXXX XXXX Sorry XXXX. I have not confirmed anything. Please don't issue any check,. In my email, I have mentioned that there is one other person who is interested and she will be seeing the apartment tomorrow. If she confirms then I will give her priority. If she is not interested, I can confirm the place with you on Friday.Please don't make any payments right now. Just give me time until Friday to confirm if the place is still available. Fraud : XXXX XXXX XXXX XXXX Please can i send the check today Victim : XXXX XXXX XXXX XXXX Give me till the end of the day today. If the other person is not interested, yes you can send the Check. Will let you know by evening today Victim : XXXX XXXX XXXX XXXX Hello XXXX, sorry for the delay in getting back. You can send me the check today if you are still interested in the place. My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX Fraud : XXXX XXXX Hi, My financier has issued the check payment on your name which am attaching with this email. It can only be deposited via MOBILE DEPOSIT using your bank app on your phone. Here is the Mobile Deposit Instructions 1. you have to print out both front and back of check 2. Cut both front and back check out carefully to check size. 3. Endorse check back with " For Mobile Deposit Only '' and sign. Deposit the check into your bank account today before XXXX which is cut off time for mobile deposit. Funds will be made available to you next business day. You are to deduct the first month rent and the excess money to my travel agent as per my instruction. Please notify me once the check deposited. You are to send me a pic of the deposit screenshot for my reference. When I deposited the check on XX/XX/XXXX, the money showed up instantly in my account. I made 6 transfers. 3 transfers from XXXX ( an instant money transfer service ) to the email id the Fraud person gave me. The email id I transferred the money to was XXXX ( XXXX XXXX ). The first transaction was for XXXX dollars, the second for XXXX dollars and the third for XXXX dollars. The money was withdrawn from my account on XX/XX/XXXX. The other email id I transferred the money to was XXXX. I transferred XXXX dollars using XXXX and another XXXX dollars using XXXX ( another instant money transfer service ). The money was deducted from my account on XX/XX/XXXX. On XX/XX/XXXX, the XXXX dollar check the fraud person sent to me was withdrawn from my account. I called my bank- PNC on XX/XX/XXXX. I told the bank what had happened. The person I spoke to was XXXX XXXX ( who is in the retail team of PNC ). He told me that once they know why the check was withdraw they can help me file a fraud case. He asked me to call him on XX/XX/XXXX. He also mentioned that he will call me. I didn't get any call from him. I tried calling him many times on XX/XX/XXXX but he didn't answer the call. I left voice messages but he didn't respond. Then I called another customer service member at PNC and they basically told me that they can't file a fraud because I authorized the payments. They said they are sorry that someone in their team gave me incorrect information about helping file a case but they said sorry. I filed a police complaint on XX/XX/XXXX.
Company Response:
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit to my account on XX/XX/XXXX at a pnc atm for {$7500.00}. I then received a notice that the deposit was being held because the check appeared altered. I did not write on nor alter the check, I was told that I was attempting fraud on the account and that's why it was being held until XX/XX/XXXX. I checked my account on XX/XX/XXXX to see if the funds were in fact released, I was then transferred to XXXX in the loss avoidance department who proceeded to tell me that the hold was on the funds until XX/XX/XXXX. I asked her if it was customary to hold a check for 6 weeks, to which she told me yes, if the check appears to be fraud. I stated that she is accusing me of fraud. She also stated that if I had a problem with the check I should reach out to my bank. I advised her that PNC is my bank and I am reaching out to you. She then hung up the phone on me. I have called in to the customer service department several times regarding this check, I was told by one loss avoidance associate that if I provided the number to verify the check that it would be cleared. I did that and was told the number was unacceptable. The check is from a lawsuit that I was a party in. The settlement claims administrator can be contacted at XXXX XXXX XXXX, XXXX XXXX. I understand a reasonable hold but to be accused of fraud and to then have an item placed on hold for over 6 weeks seems to be punishment for being a PNC customer, on top of being disrespected by being hung up on. Also, if I am being accused of altering the original check why wasn't the original requested to be sent from the branch to loss avoidance so that it could be seen in person. I have also deposited a separate check from the settlement drawn from the same bank which PNC cleared. I have not received a separate letter for the 6 week hold. I requested my check be returned to me and was told that it could not be returned.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Problem when making payments
Subissue:
Consumer Complaint: I have a home equity line of credit with PNC bank in addition to my mortgage payment with them. I have set up both my mortgage and home equity line of credit with a direct debit from my checking account to pay the balances every month. In XX/XX/XXXX PNC bank changed their internal payment process and it somehow wiped out all of the direct debit accounts for home equity lines of credit. I received a letter in the mail on XX/XX/XXXX that I had missed a payment. I called PNC bank on Tuesday XX/XX/XXXX at XXXX XXXX in a phone call that lasted 24 minutes. I asked how I could be late when my account is direct. They said it was an internal error and that I was not late and that I did not owe a payment at all and that the late payment letters had been sent out in error. I asked if I needed to make a payment over the phone and was told that I did not. On Tuesday XX/XX/XXXX at XXXX XXXX I received a threatening phone call from their collections department. She said that it was my fault that the bank had not pulled my direct debit. I then told her I could prove there was more than enough in the account. She then backpedaled and said that I would have to figure out why the payment didn't come out. I told her I had called previously on on XX/XX/XXXX and I knew it was an internal error. She then transferred me to a PNC customer service rep who was honest that ALL of the errors were in fact PNC 's fault. He then asked me to sign in online to the PNC payment portal to make a payment for XXXX. He then told me that due to PNC 's error I just needed to pay for XXXX and that they would be liable for XXXX. I submitted an electronic payment through the PNC website on XX/XX/XXXX. It did NOT state the amount just that the payment was for the month of XXXX which would be for {$580.00} On XX/XX/XXXX my XXXX account was debited for {$1100.00} which is TWICE the amount. I called chase on XX/XX/XXXX and had them stop payment on the check. On XX/XX/XXXX I get a letter in the mail saying that I have now missed a payment and need to pay it. On XX/XX/XXXX at XXXX XXXX I called to see why I was again being charged for payment that they said I was not liable for. They said that even though their customer service rep was on the record as telling me that I did not owe them for the month of XXXX that I did now need to pay for the XXXX. But that they wouldn't charge me a late fee. I have done everything right and I have never missed a payment in the whole history of this account. It is not my fault that their internal system went down and then when I did call to make a payment they told me TWICE that I didn't need to. Now my budget is shot and I paid {$580.00} on XX/XX/XXXX. Please have them pull all of the tapes and records of the phone calls and have them on the record as being liable.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A