Date Received: 2023-07-10
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: PNC apparently has a forced arbitration XXXX sided agreement to which I was not aware of until just recently. At no time when opening the account was I advised that there was a forced arbitration agreement and that I could opt out. Nor did I sign anything acknowledging receipt of any forced arbitration agreement. Now, via PNC 's practices, it has come to my attention that PNC is aligned with politically radical groups i.eXXXX XXXX XXXX, which alignment has given rise to fraud and identity theft issues. On top of that PNC uses its political alignment to XXXX XXXXXXXX to cause financial and other irreparable harm knowing that it has paid crooked arbiters in its pocket, which it has paid for in advance. On top of this, I am not entitled to a waiver of fees for claims asserted against PNC in any arbitration, as that is in the discretion of its hand picked arbiters. Conversely, in both federal and state court, I am entitled to a few waiver to pursue claims against PNC notwithstanding the fact that PNC 's arbitration is perfunctory at best as most arbitration agreements are XXXX sided in favor of the bank. Therefore I have no legal rights whatsoever with respect to the relationship with PNC and I am at their mercy to comply with the federal and state law which they have shown as a pattern via their XXXX XXXXXXXX alliance, that they will not comply or otherwise do so at their discretion to which i have no legal recourse whatsoever. Ironically, PNC alleges to be so concerned with being socially responsible yet at the same time taking a very radical approach to is own misconduct and forcing such into crooked arbitration engagements.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: About 4 hours ago I learned that PNC canceled my debit card and closed a savings account. The debit card is linked to a checking account, which is apparently still open. I received no prior notice about any issues that might have resulted in a violation and subsequent closure. I only learned about it when I went to pay for dinner while on vacation overseas. As a result of the closure, PNC had left me without access to my cash since they were the main account I used during travel. Incredibly poor customer service that absolutely puts people in terrible situations. I don't know why the card was closed and why the account affected- I understand that sometimes it's due to suspicious activities and use of card. I'm someone who works overseas for the US govt in areas that are sometimes fraught with fraud risk and maybe this is part of it? Regardless, the lack of transparency is astounding and lack of any empathy and desire to provide help to your customers is even worse. Despicable.
Company Response:
State: WA
Zip: 98665
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Other service problem
Subissue:
Consumer Complaint: The problem is essentially multiple Discriminations by PNC Investment ( PNCI ). My wife and I ( XXXX, & XXXX ) have 2 retirement accounts ( about $ 400K ) in PNCI. Due to its NO-service acts ( particularly during Spring XXXX ), I made a complaint against PNCI and claimed the compensation for the investment loss due to its fault. PNCI responded us for only 1-yr. fee waive. We could not accept it but have continued the dispute. In this dispute, I have nothing wrong or improper to PNCI 's business. On XX/XX/XXXX, PNCI decided to brutally terminate ALL of our accounts, and forced us liquidate/transact out all of our assents. Currently, I am fighting with PNCI for its discriminations in 1 ) Not providing services as a public accommodation 2 ) Age-, racial and origin-related discrimination 3 ) Depriving of our rights as PNCI 's customers etc. In this message, I would like to get some legal consultant or help in my fighting against discrimination and get reasonable compensation for our investment loss. E.g. 1 ) What's the best way ( lawsuit or arbitration ) to resolve the problem? 2 ) Does FINRA arbitration handle discrimination related dispute? Thanks for your attention.
Company Response:
State: VA
Zip: 20151
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have filed XXXX complaint XXXX against PNC. I was scammed out of XXXX on XX/XX/26 and I am not so sure this wasn't an inside job. I have been told XXXX times that the money was still at the wiring company while they investigated the dispute. Then when I push them as to why they would not return this money when they knew I had been scammed out of it they send a letter on plain white paper saying they were unable to get the money back. Not on PNC letterhead which also made me suspicious. This bank has handled this very poorly and I don't know who to trust there anymore. I dont know if I am taking to the bank or a scammer. I feel they are putting me off hoping I will go away and it's not going to happen. I am going to contact an attorney this week and discuss it with them. I want this bank investigated they put a hold on what little money I have left in my savings account which I was told they can't do that only the acct holders and irs can do that.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: I have already went to the company to resolve the discrimination i am facing with this company. They have made an erroneous credit decision based off of melicious intent. With a perfect history across several accounts in no way shape or form should have have had my credit lines reduced. This will adversely affect but credit sending both lines up to a 90 % usage. Also, there is no evidence of higher risk by simply using a car that was moderately used to dormant over years. The email I send to the CEO of the company is below. First email no response. Good afternoon XXXX CEO of PNC Bank, It is my intention to engage with your company regarding my PNC relationship. I have been a customer with you for over 2 decades. I have paid off 3 Vehicle loans. I have 3 banking accounts. Also, have maintained 2 credit cards in good standing with no payments late over the last two years. I have a PNC Points credit card & a PNC Cash builder credit card. Both have been open and paid in good standings for 6 years and 9 years. I was saddened to discover after doing a balance transfer after my card was daily dormant for a time. I found that both of my credit lines were reduced creating a 90 % usage. The both were {$20000.00} separately and {$40000.00} combined reduce to {$5000.00}. I made a complaint and received a call from XXXX who was not equip to answer my questions or work through the escalations process. She was combative and obstructive to the process of seeking to understand what has happened. Asking did you read the letter in the mail is cold and simply beneath the standards that PNC has set in past interactions. I understand there are many factors you consider when making decision. My intention is to get you all to reconsider without doing a hard pull as offered by XXXX because a hard pull was not necessary to make the decision. She treated me as if you no longer wanted my business and I am saddened that the banking relationship has soured in the manner. She over talked me and my experience is that she wanted to defend a pore decision at all cost. I intend to take whatever action is necessary to be treated fairly under the FCRA and also I would prefer to avoid contacting the CFPB and the OCC to look into this matter. I feel discriminated against and harmed by the decisions made in such a knee jerk way. Also the obstruction in finding a solution to my concern is operant. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had a PNC account open for years and then switched to XXXX. I left some money in my PNC, like {$300.00}, which PNC started charging account maintenance fees against because I didn't meet the monthly minimum for their account type. I stopped using the account in 2021 and left it open just in case. I had called them and told them I'm just leaving it open for access. I previously called and thought I had a {$0.00} balanced. I moved to XXXX for work, and my parents addressed received a letter that PNC sent me to debt collections for {$33.00} dollars. I never had someone reach out via email or text where I could be notified and why they let me go below {$0.00}.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Unauthorized Transactions without me knowing or my knowledge of who did or may have preformed these transactions On Dates Below XX/XX/2023 Withdrawls - XXXX $ XXXX {$100.00} $ XXXX XXXX, XXXX XX/XX/2023 Withdrawls - XXXX $ XXXX XXXX XX/XX/2023 - XXXX $ XXXX XXXX $ XXXX Ga XXXX {$200.00} XXXXGa XXXX $ ATM Frees Actions taken by the company were simply outrageous stating no error was found when I have never been to Georgia. My card was lost and obviously compromised.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I purchased foreign currency ( including euros and XXXX XXXX ) from PNC Bank prior to my overseas vacation 3 weeks ago. Their website clearly states that " And when you return with excess currency, PNC can buy it back for immediate XXXX. dollars. '' There are not caveats, disclaimers, or limits listed. On my return to the XXXX, on XX/XX/XXXX, I brought my excess currency to PNC, and the teller immediately exchanged the XXXX euro note for {$5.00} XXXX, but when she processed the XXXX XXXX, she and a supervisor read that it had to be sent in first, before I would receive the XXXX equivalent of {$21.00} USD, and that it may take a couple days. A couple of days later, I received a call from PNC stating that they have a {$100.00} USD minimum buyback amount for XXXX XXXX, and they are unable to buy my note back. I spoke with the PNC XXXX XXXX, XXXX, at the XXXX PNC, and she filed a complaint for me. The next day, XX/XX/XXXX, I received a phone call regarding this complaint. The PNC woman told me essentially that because the department who handles currency exchange has a {$100.00} limit, the matter is settled. I advised her that their website currently says PNC buys back foreign currency ( with no disclaimers ). She kept looking for outs for PNC, and mistakenly referenced their foreign check cashing policy which does have caveats. I told her that 1 ) I am a PNC customer ( not a stranger on the street who found some foreign cash lying around ) 2 ) I purchased the very same denomination FROM PNC just 3 weeks ago and 3 ) PNC charges me both to receive the foreign currency, as well as cashing it back in, so I'm not sure why they are acting like they are taking a loss by issuing me {$21.00}, and 4 ) there is NO listed minimum buyback limits listed ANYWHERE. The tellers at the branch I turned it in to didn't even know about these limits. Very dishonest. As is the website. The woman on the phone told me that XXXX currency isn't a " standard currency, '' for them. Well, they were able to obtain it for me when I requested it, so I'm not sure why they act like it is something they have never encountered. Had I known there was a {$100.00} minimum buyback, I would have spent the rest of the money overseas.
Company Response:
State: OH
Zip: 45212
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Last year I was randomly blocked from signing into my PNC account. I had a pending wire for XXXX $ that never arrived to the recipient ( XXXX XXXX XXXX ). I had wired money to XXXX many times with no issue. At this point they have NOT released the funds that were left in my account ( XXXX $ from the wire that never went through ). I STILL receive emails from PNC every day stating that I have a low balance of XXXX XXXX this is because PNC XXXX out my account and to this point ( over a year later ) has not given me an explanation as to why my account was closed OR when I will receive my funds. I have visited PNC bank in person and spoken with a banker. Even they tell me they are unable to help me. Are banks allowed to take my money and hold it for years without giving me any reason for doing so? Ive attached a screenshot of the email I continue to receive DAILY.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my home with Freedom Mortgage XXXXXXXX XXXX XXXX XXXX CA XXXX in XX/XX/XXXX. The cash out from my refinance included repayment of my major debts. Freedom mortgage used a charter company named XXXX XXXXXXXX to complete the debt consolidation portion of my loan. XXXX XXXX mailed me 11 paper checks issued by XXXXXXXX XXXX in the amount of the various account balances. I sent these checks via priority mail to my creditors. Unfortunately, 5 of the 11 checks were intercepted and stolen from the post office. The checks were deposited into an individual account and XXXXXXXX XXXX cleared the funds. XXXX XXXXXXXX alerted me to the fraud and informed me that XXXXXXXX XXXX will not reissue the checks until a fraud investigation has been completed. As part of the investigation, XXXX XXXX is requiring me to send affidavits to the creditors in question and return the affidavit notarized before they reissue the check. The creditors and balances in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX. XXXX XXXX XXXX : {$3900.00} XXXX. XXXX XXXX XXXX : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXXXXXX XXXX XXXX XXXX : {$520.00} I have contacted the 5 creditors on a weekly basis since the notification in XXXX of XXXX. So far, Ive only gotten a response with the affidavit signed and returned to by one creditor, XXXX XXXX XXXX. Today I am writing as I am exhausted by this requirement by XXXXXXXX XXXX Ive spent over {$300.00} in mailing fees and no result from the 4 remaining companies. I think I am being wronged because I am paying a new higher mortgage payment and Ive yet to receive relief from the debt I had previously. I am including correspondence that I have received back from some of the creditors. This has become a financial burden as I am still paying on these debts and now have a higher mortgage payment. Timeline of events XX/XX/XXXX : Mortgage closed, and checks issued. Checks mailed to creditors and fraud reported. XX/XX/XXXX : I sent a second round of correspondence to my creditors. XX/XX/XXXX : Began paying new mortgage payment. No response from creditors. XX/XX/XXXX : XXXX XXXX made contact but no change in requirement for affidavits. XX/XX/XXXX : XXXX XXXX XXXX returned the affidavit. Provided the affidavit to XXXX XXXXXXXX. XX/XX/XXXX : No communication XX/XX/XXXX : No communication XX/XX/XXXX : No communication XX/XX/XXXX : XXXX XXXX notified me that XXXX XXXX has agreed to reissue the check for XXXX XXXX XXXX.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A