Date Received: 2018-04-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2018 @ XXXX XXXX I ( XXXX XXXX XXXX ) entered PNC Bank in XXXX, AL to deposit into an account in the name of XXXX XXXX in the amount of {$15000.00} cash to act # XXXX Routing # XXXX This was a favor for my fianc at the time that was in the military and needed money sent. My fianc and I are no longer together but that shouldn't matter. If this account was truely a scam account then where is my money. This entire nightmare has been unbelievable. Later that day I received a phone call from the XXXX, AL branch informing me the account I deposited the money into was being reported to me as a " SCAM '' account and the Assistant Branch Manager at XXXX informed me they were letting me know that they had caught the money before it was lost to the scammers. As soon as they had my {$15000.00} back for me, they would let me know. Since then, there have been so many stories told to me by PNC corporate, different branches, my phone number was even blocked and the worst of all came from a very rude branch Manager from Ohio where the money was actually taken and the account was reported closed. This very rude Manager actually told me the {$15000.00} was now her money to keep since she is the branch manager and I didn't have an account there. I had verified everything prior to depositing the money so I'm not sure what this lady meant. No one 's money should be hers!! I have tried everything to get the money back. There have been so many lies told to me by this company its unbelievable that they are still allowed to be in business. THe worst thing of all is the Branch Manager and Assistant Branch Manager have been going around the small town of XXXX telling people I am part of a " SCAM RING '' ... Really .... there's no such thing ... I XXXX XXXX for the military for over 30 years so how does some very low life individuals get to ruin my name!!!! I want them to be behind bars. I am XXXX with a XXXX XXXX injury XXXX and have had enough of the disgrace!!! I want my money back and stop trashing me.. They even have another bank around here labeled me as a FRAUD!!! REALY!! Please help in resolving this matter. Ive tried for quite a while.
Company Response:
State: AL
Zip: 35613
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This complaint is regarding my PNC Bank Credit card. I currently have 3 promotions on this account. # 1. 0 % on purchases - endingXX/XX/XXXX. Current balance {$3200.00} # 2. 0 % Balance transfer - ending on XX/XX/XXXX. Current balance {$1500.00}. # 3. 0 % Balance transfer - ending XX/XX/XXXX. Current balance {$1200.00}. I have been making payments well over the minimum balance due each month since I applied for the 0 % promotion on purchases onXX/XX/XXXX. I didn't check my monthly statements carefully until last month when I noticed that none of my payments were being applied to the promotion ending in XX/XX/XXXX. I contacted PNC bank and they told me it was their practice to apply payments to the balance transfer promotions before applying them to the purchase promotions. I asked if I could direct my payments to go to the purchase promotion. I was told, in uncertain terms, THAT I COULD NOT! I spoke to line representatives, their supervisors and finally XXXX XXXX XXXX of the Escalation Department. I searched the 1 page " Terms and Agreements '' that is included each month with my statement and could not find this policy. XXXX, today, referenced the 6 page " Terms and Agreements '' that came when my card was Issues. It does not state that policy! It says, in section 3.5 " How we apply your payments : Application of your payments is at our discretion, and generally that means that we will apply your payments to balances with lower APR 's before balances with higher APR 's. However, any amounts you pay in excess of your minimun payment due will be allocated to balances with higher APR 's before balances with lower APR 's. '' By this token, it would seem to me that any amount I pay in excess of minimum payment due would go to the promotion that is ending soonest!!! I asked if I were to pay the entire amount due on the purchases, would that be satisfactory, She said " NO. You would have pay all three promotions in full in order not to be charged the default interest rate on 12.24 % on the balance ''. I find this extremely unfair! I would like to pay off my purchase promotion before it expires, but can not do so without first paying 2 other promotions. I was never informed of this and it certainly was not made clear in the Bank 's Terms and Conditions. I am hoping you can help me resolve this issue. Thank you!
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I have a HELOC with PNC Bank with a credit line of XXXX, the current balance on XX/XX/XXXX was approximately 25k which left plenty of available funds to use. On XX/XX/XXXX I received a call from my contractor indicating a check I provided to him was declined by PNC for non sufficient funds for approximately 17k. I contacted PNC and was advised by the first CSR my account was past due, when in fact a payment of over {$3000.00} was made the week before, in addition my account is on automatic payments. I was then transferred to the Collections Dept where I was then told my account was current and they didn't have any other explanation why I couldn't use my account other than " PNC was going through system issues with their recent conversion of account numbers ''. I was then transferred to a manager whom also had no clue why I couldn't use my funds. I then contacted my local PNC bank and was given no further information other than my account was " locked ''. We spent several hours on the phone to not be provided any clear information or even less a sincere apology from PNC. The issue has since been resolved after several days of the unknown from the bank. I would expect PNC to at minimum provide some sort of compensation to me or my PNC account for my time away from work and on the phone w/ them and an apology for their lack of empathy regarding an issue that was caused by PNC .
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-11
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: My XXXX year old father went to his PNC Bank in XXXX MD with a withdrawal slip in hand to get cash from his checking account. He does not use the cash machines at his age. My father asked XXXX at the PNC Bank front desk to help him fill in the withdrawal slip to get {$400.00} cash from his checking account. Instead XXXX talked my father into getting a second credit card ( he already has a XXXX credit card from this bank and puts about $ 1,000/month on it ) XXXX neglected to tell my not-tech savvy father that this new credit card had a annual fee of {$85.00}. My father didn't need this, didn't want this and asked me to help him figure this out. Shame on you, XXXX! I'm sure XXXX decided her signing bonus was worth more than talking an elderly individual into something they didn't want or need. I find that reprehensible. I am ... a daughter who is helping her father stay independent by being his bookkeeper.
Company Response:
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2018-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I made a {$10000.00} electronic payment from my checking account to pay down a portion of my existing Home Equity Line. This {$10000.00} was never applied to my {$75000.00} balance on the Home Equity Line. During the same week, we refinanced the HELOC with the same bank & they opened up a completely different account. However, they transferred the full {$75000.00} and did not reduce by the {$10000.00}. I have repeatedly called their loan department, as well as my local branch, and they keep saying that they have a new system and are having issues. They acknowledge that the money was never applied to my account. As of today ( XX/XX/XXXX ) ... almost 1 month 1/2 later ... .I still do not have the {$10000.00} either in checking cash or applied to the HELOC. I understand under the Expedited Funds Availability Act that this is illegal.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received 0 % balance transfer checks stating no interest until XX/XX/XXXX. In XX/XX/XXXX, I transferred approximately {$2600.00} onto the card via this check. Since then, all my payments have been allocated to the 0 % balance transfer even though I had several {$1000.00} 's in purchases. When I spoke to the bank, they said because the rate on purchases is also 0 % ( until XX/XX/XXXX ), they applied all the payments to the balance transfer. As a result, I received no benefit of the 0 % rate until XX/XX/XXXX and the full balance will begin accruing interest in XX/XX/XXXX. It should've been disclosed that I would not, in fact, have the benefit of 0 % balance transfer since I was on a promotional purchase rate. I paid a 2 % balance transfer fee and essentially paid the full amount back the next month. When both rates are 0 %, they should apply amounts over the minimum to the 0 % rate expiring first. I can provide the credit card statements but do not want to upload via this site.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I received my XX/XX/XXXX credit card account billing from PNC Bank. I made one purchase, on my credit card, in the amount of {$20.00} and they charged me interest of {$.00}. But I noticed they also charged me a minimum interest charge of {$1.00}. When I called PNC and inquired about the {$1.00} I was told that this is company policy. So because I didn't meet their policy of at least purchasing and amount on the card to cover the {$1.00} they charged me, at a profit for PNC of {$1.00}, in which I received no benefit what so ever. I was so irritated by the reason I got from their representative that I closed the account. How is PNC getting away with this when they charge you extra money when the consumer gets no benefit as to purchasing an item on their card? I wouldn't have noticed the charge if I had not looked at my bill from XX/XX/2018 closer then I usually do. I would assume that other PNC customers are not noticing the minimum charge and that is why I am complaining both for myself and other customers as well. And I did not appreciate the representative 's quote of, " It is company policy. '' How many times have I heard that when a customer has a complaint. Anyway my complaint ; as to how PNC gets away with charging a minimum interest and if you don't reach the minimum interest charge you still have to pay them interest with no purchases on my part. And it is all profit on the bottom line for PNC. And what if you don't use the card for a certain billing month they still charge you {$1.00}? I have a couple of charge cards that do not have a minimum charge and I will continue to use them.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
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: I took out a loan for a vehicle in XX/XX/XXXX, never missing a payment. PNC has strange rules about online account access, requiring a fee based checking account - so i set up automatic payments. InXX/XX/XXXX i received a 'final statement ' and was told i would have one more payment and would be done. That final payment was not for the notified amount. Instead they took less, and immediately sent me a late notice and began calling me 3x per day. Then collection calls started. To end this, i paid the remaining amount. A few weeks later, i received a check, and was told i had overpaid. Then i received a closed account letter and my title. OnXX/XX/XXXX, PNC took yet another payment. I have been unable to find a human to help me. my case was 'elevated ' to 'executive level ' but the person i'm to call is never at work.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have two overdraft fees when I should only have one. I recently changed my car insurance provider and therefore the " auto-pay '' date changed and came in earlier than my I was used to and therefore I was overdrawn on Monday XX/XX/XXXX. However I deposited a check on Sunday XX/XX/XXXX and called PNC on Monday to discuss the ramifications of being overdrawn by an ACH I was assured that the check that I deposited would clear in time to avoid the overdraft fee. It did not. This morning I see that I have TWO overdraft fees. I am only asking that ONE overdraft fee be reversed. I called PNC this morning, Tuesday XX/XX/XXXX and the operator is unable to reverse the fee. Ref # XXXX. You would think that after doing business with the bank for over 20 years that there might be some courtesy or consideration. Now I am on social security and unemployment insurance so money is tight. Where is my friendly neighborhood bank?
Company Response:
State: PA
Zip: 19010
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Continuance of prior complaint XXXX I went through 3 different collections agencies harassing me for this debt, each time disputing the validity and all they did was sell it to someone else. The last company finally sent it back to PNC and removed it from my credit report. I thought PNC had realized its error when the reference was removed from my credit report. I have never had a loan with PNC Bank and received no notification of any loan being sold to them, and all of my student loans remain with my original lender. PNC Bank ( XXXX XXXX ) sent me a letter on XX/XX/XXXX saying she was investigating and would revert via mail. That is the sole contact I had from PNC, even after filing a complaint here, with the PA XXXX XXXX XXXX and PA Attorney General. Then a week ago I received a letter from XXXX XXXX XXXX obo PNC Bank saying the loan at issue here had been cancelled and implicates my taxes. Today, I received a letter from the IRS. I am very upset and angry with PNC and that this is still going on, 2 years later from my complaints, which were already at my wits end from bullying and lack of any substantiation whatsoever from PNC that this debt is actually mine ( because it is NOT ). That started XX/XX/XXXX. It is impossible to respond to, at this point, the demonstrable bad faith and utter malfeasance of this enormous bank. I require your help, yet again from this horrible and unethical company.
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2018-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A