Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: While I was XXXX in a XXXX facility my sister used my banking information which contained my retirement savings and instead of taking care of my medical expenses she instead use it for her own personal expenses like cruises, home improvements etc.
Company Response:
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have a checking account with PNC Financial Services Group ( acquired XXXX XXXX, RBC ). I am writing to make formal complaints against the PNC Financial Services Group.
PNC 's security system was NOT just imperfect as RBC stated but had OBVIOUS flaws, and your security flag was totally a false alarm. It was wrongly flagged from a check deposit ( I did deposit my husband 's checks five years in a row ( with his authorization and signature -- suggested by former RBC 's agents, a normal behavior ). So, it's NOT something new this time -- a NORMAL behavior. Most importantly, his check was cleared just fine and deposited successfully. And PNC 's investigation also showed that there was NO issue involved, whatsoever.
Furthermore, all other deductions/scheduled payments were also processed fine in my account at the same time. How could PNC have just " selectively '' canceled and deleted that scheduled, important, and critical payment ( to the City of XXXX XXXX every year for the past XXXX years in a row -- NOT something new, and NOT to mention that this payment was scheduled/set up BEFORE your security flag ), totally without warning and any of my knowledge?? ( Additionally, PNC wrongly blocked/took away my access!! ) Therefore, it was PNC 's system flaws/system fault to have caused my late payment and a penalty of {$230.00} from the City of XXXX XXXX . NO excuses in ANY circumstances, whatsoever!
Given all of the above, PNC should definitely be responsible and held accountable. The facts are more than clear, undeniable, and undisputable! Other banks would NEVER have deleted. PNC Financial Services Group ( former XXXX XXXX XXXX has NO excuses under ANY circumstances, period!
Company Response:
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I submitted disputes for several charges that occurred in parts over the course of about a month, resulting in the fraudulent and unauthorized activity on my bank account through online purchases and XXXX transfers I did not authorize from the beginning of XX/XX/XXXX until the end of XX/XX/XXXX, with an estimated total in excess of {$35000.00}. A detailed record of these transactions directly from PNC Bank statements is enclosed. My account information was never voluntarily shared with anyone and the use of my device was not voluntarily given to anyone. These transactions are in error because they were not authorized transactions. To the best of my knowledge, the fraudulent activity was made possible by and began after completing a device swap of my cell phone with an identical phone under my phone warranty program. At one point, these devices had all account details stored and I suspect some fraudulent interception transpired. I cant say for sure, and I have no way to prove who I think did it - but the bottom line is that these transactions were not done by me or authorized by me. In XXXX of XXXX I was forced to close my two retail stores at the onset of COVID and my commercial landlord conducted an unlawful eviction of my business. To this day we are still in litigation. Like many people, I lost my source of income, but in my particular case that was just the beginning of the end for me, my family, my legacy, and even just the basic dignity of human expression and American freedom. Its beyond words how it feels to go from $ XXXX in sales per month to being forcibly stripped of your lifes work and in less than a year find yourself homeless. Part of coping with all of that is I got to a point where I became accustomed to having nothing and fell out of the habit of staying on top of stuff. So when I received a large settlement from when I was hit by a car, I just deposited it all into my PNC account and didnt think much of it nor monitor it in any way that would alert me to the initial fraud that affected my bank account. I brought it to PNC Banks attention immediately when I did notice it, and I was given the impression by PNC Bank that they quickly investigated the matter and returned the stolen funds. I thought that put an end to the misuse of my money through my account. Because a new card was issued by PNC, my old one was canceled, I was assured by PNC Bank that they had thoroughly addressed the problem, and reopening my business was still months away ; it seemed like it was safe to just let my settlement money sit and continue living frugally. Within weeks, however, my PNC bank account was suddenly emptied of more than {$30000.00}, evidently through XXXX transfers transpiring after I thought the situation was resolved. This time, before I contacted PNC, I sought out a solution with the merchants that processed the unreasonable volume of transactions but they would not refund the money. I then notified XXXX directly and tried to initiate disputes but XXXX support refused to process the disputes in bulk. I repeatedly asked for alternative ways to report the fraud through their system, a phone call, or even the postal service and I was unequivocally told by XXXX support that their dispute process of each transaction, one at a time in the app was the only way to notify them of the fraud and dispute the transactions. Obviously, this wasnt true. I then gave up on trying to address this fraud through XXXX and initiated efforts to resolve this directly with PNC Bank. In this additional effort to resolve this, I learned that PNC Bank had only investigated a portion of the original disputed transactions, the excuse I was given was that there were a lot of transactions, which did not sound like an appropriate reason to outright refuse to follow its own dispute procedures. Upon this additional submission of disputes for additional unauthorized transactions, these unresolved prior disputes were also followed-up-on, and I was assured they were properly submitted at that point. I believe the initial transactions I disputed have been investigated and the money has been refunded, but the additional transactions related to XXXX have been improperly denied. PNC Bank also did not provide a provisional credit nor communicate to me that I needed to submit anything in writing. From what I understand, PNC Bank and XXXX jointly decided that the unauthorized transactions were valid based on prior account activity. The possibility of similar prior transactions with the same or similar merchants does not constitute proof that these transactions were authorized - especially when said prior activity consists entirely of transactions PNC had already concluded were fraudulent in the original partial investigation (!!! ). If you look at my account history before the settlement, my spending habits were not at all reflective of what transpired during the period these transactions took place. Upon request, I can also provide the 5 years of business and personal accounts I maintained before I lost everything to COVID which will further prove my point. There appears to be a range of violations by PNC Bank of the Electronic Fund Transfer Act ( EFTA ) and Regulation E after I had given PNC Bank timely notice of the transaction errors.
Company Response:
State: CO
Zip: 80033
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I contacted PNC mortgage to inquire about removing my private mortgage insurance from my account. I was told I needed to wait XXXX0 business days for a letter to mailed to me further instructions. They refused to give me the information over the phone. After 12 business days without a letter, I contacted them a second time and I was told the letter addressed to the wrong account and never mailed. This is the same address that the mortgage is paid on. I have received multiple mailings from them. There is no reason why they could deliver the letter. I was told I would have to go into a local PNC branch and get a copy of the letter. The branch is refusing to print a copy of the letter without an appointment. The soonest appointment is 5 days away in the middle the afternoon which does not work for me. They have offered send me another letter that will take anther 10 business days to arrive. They have done nothing to rectify their error. PNC is now holding up the process of removing my private mortgage insurance for an additional 30 days. It is my belief that this is an attempt to collect another month 's worth of insurance
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I discovered un-authorized transactions that occurred on my account from XXXX to XX/XX/. I quickly reported the incident to the bank. They filed 6 claims on my behalf. One of my claim was denied and am reaching out to CFPB to assist me in retrieving my stolen money
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The HELOC mortgage came mature and we applied for assistance to get help with the balance. We got approved back in XXXX of XXXX and PNC did not respond until XXXX of XXXX. Because of this interest was added and now the money that I was approved for they have but, are not posting it to my account. Due to them not cooperating the balance has exceeded the amount that was given for assistance and does not cover the whole balance due and owing. We simultaneously applied for hardship assistance per their request and was denied to " exceeding the maximum amount of hardship applications ''. They are with holding credits that I have been been making this entire process and not applying that to my balance as well.
Company Response:
State: MI
Zip: 49504
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The intro bonus offer for the cash back rewards card was denied after meeting the terms and qualifications of spending {$1000.00} during the first 3 billing cycles upon opening the account. On XX/XX/XXXX XXXX XXXX XXXX I called PNC customer service at XXXX to inquire on why I had never received my promotional offer. The service agent stated that i had signed up for the card during a promotional black out date that began XX/XX/XXXX - XX/XX/XXXX. This is nowhere stated on the terms and conditions upon signing up. The website is currently unchanged and the terms still do not reflect such verbiage ( XXXX ). I requested to escalate the conversation and speak with a manager, which then resulted in me speaking with an American woman who then stated she could not find a sign up code and that I indeed signed up on a supposed " black out date. '' However, upon her verification of the PNC Website, she confirmed the offer had not changed and there were no black out dates stated. My issue was then written up to be forwarded to higher. On XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX, I recieved a follow up call from PNC ( XXXX ) and was greeted by a service representative who wanted to know if my problem had been resolved to which I replied " No, the problem has not been resolved and I am still waiting on confirmation that my complaint has been reviewed for the issue of not having received my promotional bonus upon meeting the guidelines ''. At or around XXXX on XXXX XX/XX/XXXX, I received another call from PNC stating that my claim had been denied without further explanation, no confirmation either written or emailed after my request. The representative apologized and stated that due to length of time in which the promotion was due to be given was too far off, that I would not be receiving it whatsoever. My response was " the reward should have been automatically applied to my statement, since it is not my job to do PNCs job. '' The integrity of this bank is reflecting poorly by the way it has handled this situation. Many other customers may have applied for this card just as I did via the PNC website with the intent to apply for a card with a bonus offer, however, it seems that they may have been defrauded of their time, mental well being, and money.
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: From XXXX XXXX XXXX, 2023, I deposited business checks into my bank account. Unfortunately, the company that issued the checks was a victim of theft and their bank account was compromised. I made this known to the bank last week. I was then told that a hold was placed and it was supposed to be released on the XXXX of XXXX, 2023. I then for security reasons opened a new account on the XXXX of XXXX, and I spoke to XXXX XXXX XXXX and I made an appointment with him for the XXXX of XXXX, 2023 at XXXX. When I met him, everything was up and running. Two hours later my account ( XXXX ) were frozen with no explanation. I had to make numerous phone calls a return trip to see XXXX XXXX, further communication to XXXX XXXX the branch XXXX at the location I went to at XXXX XXXX XXXX XXXX. XXXX. XXXX, FL XXXX. I have over XXXX frozen over an issue I did not cause. I was supposed to receive a call from a retail specialist supervisor, and that person never called me. I am without my money and I am not sure when I will get it, and I am a XXXX person and I need my money.
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: When I applied for a Business credit card with PNC, I was denied. According to Equal opportunity credit act as well as 15 USC 1602 p. Unauthorized use of credit and no benefits was received.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: To Whom It May Concern, I am submitting a formal complaint against PNC Bank for placing a hold on my Business and Personal accounts without merit. We are a holding company in Real Estate investments, stocks, and other financial instruments. On XX/XX/XXXX, two wire transfers in the amounts of {$200000.00} and {$460000.00}, respectively, were paid to my business account. On XX/XX/XXXX, I went to PNC Bank in XXXX, CA, to transfer fund to XXXX XXXX XXXX in the amount of {$100000.00}. I also had funds transferred to my Personal account from my business account where a wire transfer was sent to my trust account at XXXXXXXX XXXX in the amount of {$500000.00}. Due to an anomaly in exceeding my limit, the funds were returned to my PNC Personal account. After several attempts to check on the status of my accounts for the return of the wire transfer, and since I could not log into the PNC website, I called the bank the evening of the said return. The banks ' operator told me I needed to log into the account correctly. I called the bank the following day and was informed there was a " Hold '' placed on my account. I went to the bank and was told that a " hard hold '' was placed on both of my accounts. I asked why but to date, I am still waiting for someone to explain the reason for the Holds. After several inquiries on the status of the release of my funds and meeting with the Branch XXXX, XXXX XXXX, he referred me to XXXX XXXX at the Executive Office, and the Cyber Investigations Unit, they also have been unable to provide me with an answer as to why my account has a " hard hold '' for possible fraud. I want to know who committed the fraud and where did it come from? These deposits came directly from XXXX XXXX, the CFO of XXXX XXXX, a company that has been in business for over thirteen years. Payments were made to me for licensing fees from one of my investors sons. Another {>= $1,000,000} was to enter into my business account from one of my other investors, but since the account was on hold, I informed him not to make the deposit but he had already sent it and had to go to the bank to stop payment. Since this happened, this investor has decided not to invest with me, putting a setback on our proposed projects. My account is a few months old. I joined PNC after meeting XXXX XXXX two times at the Business community meetings for business owners as I was the commercial property owner of XXXX XXXX XXXX, XXXX, CA. When I met XXXX XXXX, he gave me his business card and said I should join his bank. Albeit a few years had passed by due to a setback of medical issues It wasnt until I got a clean bill of health that I recently decided to start a new business with family, friends, and people Ive known in the business world as investors. I thought it would be an excellent opportunity to start my business with PNC Bank. Hitherto, I never expected to be defamed, libeled, and slandered for fraud. I believe I have a right to know where this defamatory information comes from, and I would like to get the bottom of it to stop it. I submitted a letter to the bank requesting to close my accounts with the release of my funds in a check. I have not received any status on my accounts nor the reason for the hold. I have no criminal record, nor have I ever been involved in any illegal activity, and Ive never been informed of such by any government agency, attorney, company, or any other type of agency. I believe this action taken against me is unwarranted and has no merit, therefore, my funds should be released immediately on both of my accounts. If the bank doesnt want my business I formally request they close my accounts and return my funds asap. I have attached the invoice paid to me, my account statement, the wires sent along with the bank refund sent to me by XXXXXXXX XXXX and the letter I sent to the bank. At the time of my " hold, '' I was the only member of the XXXX ; currently, there are two other team members : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Real Estate Agent, XXXX XXXX XXXX Real Estate Agent
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A