Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I XXXX " best student loan interest rates '' and came across a website that listed various student loan providers and a range of interest rates that they offer. PNC had a link that said something along the lines of " see what my rate would be, '' and I clicked on the link because I wanted to know what rate I could get on a student loan before formally applying for the loan. The link brought me to PNC 's website where it asked me personal information about XXXX wife, and I thought I needed to enter said information in to see what rate I could get on a student loan ( my wife was the borrower and I was the co-signer. ) Unbeknownst to me, the website PNC brought me to was a full on student loan application. I feel very misled as I thought I was filling out an application to see what my rate would be, but instead, was filling out an actual loan application. Not only is a " see what my rate would be '' link that is actually a link to the loan application misleading, but my wife and I 's credit score were dinged because PNC hard pulled both of our credit scores, even though I had no intention of applying or a loan ( unless the rate they would offer me was low enough. ) I'm very frustrated at how I was mislead to believe I was checking out what rate I could receive, when in reality I was applying for a loan.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account was frozen for 3 years with a positive balance FROM AN ACH DEPOSIT. There was an investigation and my account was deemed none fraudulent. Under ACH REGULATIONS THE ORIGINATOR HAS TO REQUEST THE FUNDS BACK under CERTAIN ACH FEDERAL GUIDELINES AND TIME FRAME. 3 years later the originator has not requested the funds back. I asked for my account to be unfrozen and funds be released to me. PNC told me they are keeping the funds until the originator request them back. PNC debited my account for all the funds and said they will hold them until the originator request them back. That will never happen. If the account was deemed NONE FRAUDULENT AND THE ORGINATOR HAS NOT REQUESTED FUNDS IN 3 years and can not due to ACH REVERSAL TIME FRAME why not RELEASE FUNDS TO ME PRIMARY ACCOUNT HOLDER. I have done nothing wrong. PNC IS USING THERE POLICY TO KEEP THE MONEY instead of releasing it to me the primary card holder
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am the beneficiary of funds ( about {$2500.00} ) in an IRA account being held at PNC Bank ( " PNC '' ) following the death of my mother. I did not learn of the inheritance immediately following her death, but since learning of the inheritance many months ago, I have been diligently communicating ( both orally and in writing ) with PNC and attempting to obtain the funds from PNC. On numerous occasions ( since about XX/XX/2022 ), I have communicated with the IRA Department at PNC, as well as 2 different PNC branches about the account, the funds to be paid to me and the documentation needed by PNC to provide the funds. As of the date of the filing of this complaint ( and despite having provided all of the requested documents to PNC as requested ), PNC has wholly failed to process the forms and deliver the funds to me in accordance with the beneficiary information PNC has in their own files. PNC 's IRA Department has also provided different answers about the status of this request to its own representative at a local PNC branch. Further, I have also sent an e-mail to the main PNC branch in PA, but have not received a reply. A PNC representative at a local PNC branch advised that this matter has been escalated to a manager in the IRA Department, but no additional information has been received at this time.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened and transferred a balance to PNC bank in XXXX XXXX it promised to be a zero percent for 15 months. I received a statement in the mail and discovered they had been charging me interest for the previous 3 months, XXXX, XXXX and XXXX. I contacted them XX/XX/XXXX and spoke to XXXX not only have they not sent me the requested copy of the agreement stating I would be charged interest they would not give the name of or transfer me to a supervisor! Their solution was to wait until the following month and see if I was still being charged and that is today, and the statement shows charged interest still being accrued in a zero percent card! They are now calling it fee, not listed as interest but in the detail portion it is listed as interest. This is deceptive and I suspect illegal. I read on PNC T & C you only have 60 days to make them aware of error and I sincerely believe this is why they dont acknowledge the complaint so the clock runs out.
Company Response:
State: AZ
Zip: 85757
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a financial dispute that has caused significant distress and financial loss. On XX/XX/XXXX, I initiated a transaction from my PNC Bank account in the amount of {$4600.00} to XXXX XXXX with the intention of sending money to my family in XXXX through an exchange for XXXX Naira. However, my experience took an unfortunate turn when XXXX XXXX requested certain documents that I was unable to provide, leading me to cancel the transaction. XXXX XXXX assured me that the funds would be promptly returned to my PNC Bank checking account. Regrettably, despite their promises, the funds did not reappear within the promised timeframe of five days. Concerned about the delay, I contacted XXXX XXXX 's customer service, and they informed me that the money had been released to my bank. To my dismay, upon reaching out to PNC Bank 's customer service, I was informed that they had no record of the funds being received. Consequently, a dispute was opened on my behalf. After waiting for approximately three weeks, on XX/XX/XXXX, I received a letter from PNC Bank stating that my dispute had been denied due to " no error in transaction. '' This decision left me deeply frustrated and distressed. Undeterred, I continued to engage with XXXX XXXX, persistently contacting their customer service on an almost daily basis. Each time, I was given the assurance that the funds had been released to the bank. In an attempt to find a resolution, XXXX XXXX sent me an authorization form confirming the release of funds, which I promptly presented to one of the bankers at a PNC Bank branch. Despite my efforts, I was once again informed that the funds were not available. As a last resort, in XX/XX/XXXX, I visited the PNC headquarters in downtown XXXX. There, a banker disclosed that fraudulent activity had occurred, as the original transaction amount between myself and XXXX XXXX was {$4500.00}, yet the bank had deducted {$4600.00} from my account. Since then, I have been tirelessly fighting for the return of my funds. I have provided all relevant documentation, engaged in numerous discussions with both XXXX XXXX and PNC Bank, and even visited the bank 's headquarters in person to seek a resolution. Unfortunately, my efforts have thus far been in vain. Sincerely, XXXX XXXX
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AL
Zip: 35022
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had been receiving unemployment funds from the state of Michigan and up until XX/XX/2020, my daughter would withdraw the funds and give these to me. Upon a security review, PNC had been made aware that the funds were supposed to be debited to me, XXXX XXXX, however, the name on the bank account was XXXX XXXX. I have not been able to receive the deposit of {$2400.00} that unemployment sent to me because PNC subsequently closed the account for the review, however, still allowed deposits to come through. I received all funds for which every deposit had been made except for the deposit of {$2400.00}. My daughter has made several claims against PNC and after an initial claim they stated unemployment needed to call and request the funds back and after an additional claim, PNC stated we politely decline to return the funds. These funds need to be returned immediately as it has been over 3 years since that deposit was made. Unemployment stated that they reached out to PNC to request the funds back and have not yet received a response.
Company Response:
State: MI
Zip: 49519
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 my husband sent an ACH transfer to my PNC account which was intended to become a joint account once I added him for our wedding savings. He transferred {$17000.00} to my account and it was never available.. none of it. PNC set it out to be fraud and they froze the account for A full month. We got no answers from anybody when calling or visiting the local branch. My husband had to personally message XXXX XXXX at the PA office through XXXX XXXX to tell him about the issue and the gross incompetence we had seen from the bankers. We were assigned to a lady named XXXX from executive client services. XXXX left us a voicemail on XX/XX/2023 telling us the funds had been returned. When we contacted XXXX XXXX XXXX NOTHING HAD BEEN RETURNED. We contacted XXXX XXXX YET AGAIN. And he moved the case to XXXX XXXX. XXXX gave us the same story. Except this time She transferred the money back to XXXX XXXX XXXXXXXX without telling us where it was going to and who she was in contact with.. we had to pull teeth to even get her to send us a tracing number which by the way was invalid. My husband was able to get executive client services from PNC AND XXXX XXXX XXXXXXXX on a 3 WAY CALL!!! XXXX XXXX from PNC stated that she had been in contact with XXXX XXXX from XXXX XXXX XXXX. And that they had figured out everything about this transfer and we were in good hands. IT IS XX/XX/XXXX. AND WE STILL HAVE NO MONEY OR SIGNS OF WHERE THE MONEY WENT. My husband opened a claim with XXXX XXXX XXXX and they barely even have any information. I need the following things. - PNC TO CONTACT XXXX XXXX FROM XXXX XXXX XXXX to see where this money is living. - GIVE ME US OUR MONEY BACK OR REFUND US WITH A CHECK. - we are sick to our stomachs it has been over 2 months and nobody knows what is happening. HELP. XXXX XXXX XXXX XXXXXXXX TO TELL US WHERE THIS MONEY IS AND GIVE IT BACK.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by a fraudster the company that is pretending to be an investment company, operating under the business name Coinleadsn.com ( the XXXX XXXX ), with thedesign, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent trading service posing to be a trading/investment company, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account in the amount of XXXX USD utilizing your services. By reason of this misconduct, you violated, and if not enjoined will continue to violate, many of the international anti-fraud policies, which are established to facilitate the development of controls that will aid in the detection and prevention of fraud worldwide. Kindly note that the company is not authorized by the XXXX XXXX XXXX XXXX XXXX in the XXXX where I live, which means that the Scammer is an unlicensed, unauthorized, and unregulated entity ; therefore, is unable to provide any financial or investment service. Moreover, from my understanding, the Company is not registered with any financial regulatory body elsewhere in the world. I hold PNC Bank fully responsible for this fraudulent transaction. Attached is a complete written record of the complaint that I refiled with PNC Bank on XX/XX/XXXX. To the current time, I have not received a written response from PNC Bank.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hello. I was lured and scammed into paying someone XXXX} through XXXX on XXXX XXXX. I was selling furniture on XXXX XXXX, and the buyer wanted to pay through XXXX. I received an email that XXXX would not accept payments over XXXX} because i needed to upgrade to a business XXXX account. The buyer proceeded to send me {XXXX} and i received an email that she had sent {XXXX}. She proceeded to demand i refund her the XXXX to upgrade my XXXX account to a business XXXX account. I ended up paying her XXXX to refund the amount that appeared to have been paid to me. I realized it was a scam a few minutes later and immediately called my bank ( PNC ) to cancel the transaction within minutes. By that time it was too late and the bank refused to assist with the scam.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A