Date Received: 2023-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX there was a cashed deposit of XXXX. Due to XXXX XXXX the manager place an hold on account. As I am sure of it because on XX/XX/XXXX I get an call asking whom was the person to make the deposit. I have never in my life went through this before. I been calling leaving message with a lady by the name of XXXX XXXX. Whom not once thought to call back and give reason to why there was a hold in first place. The policy doesn't say you have to be a certain XXXX, wear attire, hair to deposit funds in the bank. You can have someone else deposit money in your account you would think by now XXXX wouldn't exist. But all the calling and going in the branch to get funds release is not working and I'm just tried of going back and forth on funds that belongs to me. The amount of stress is uncause for my XXXX XXXX is up due to this. I feel like anybody that is XXXX shouldn't bank here this was very unprofessional
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: BBVA was purchased by PNC Bank, all my accounts and mortgage were transferred to PNC bank in XXXX. During this time there was an insurance claim pending for the house that PNC bank holds to note on for flood and homeowners insurance. Flood check was released first but had BBVA listed on check for endorsement, the branch manager XXXX at the time said once its reissued with PNC bank listed for endorsement to bring in, deposit and PNC will send check for all necessary endorsements, including to the SBAs, then funds would be released. XXXX XXXX homeowners check was issued in XXXX of XXXX, my wife took to PNC bank in XXXX XXXX, Fl and made deposit on XX/XX/XXXX. The teller advised her the check would need to be endorsed from all parties listed and proceeded to deposit funds with a hold placed. At the end of XX/XX/XXXX, I received 1 letter from PNC bank dated XX/XX/XXXX stating check would be held for 10 additional days to ensure it cleared the account. Knowing the check needed to be endorsed by PNC and SBA, I assumed it would be held a little longer. As of XX/XX/XXXX the hold is still on my account for the total amount of check. I started a chat with PNC bank online XX/XX/XXXX to inquire about funds, I was advised needed to go to branch. Sometime mid XX/XX/XXXX, I went to branch and spoke with new branch manager XXXX, he informed me he could not give me any information and he would escalate the issue. At this time an executive relations specialist was assigned, XXXX. XXXX tried to reach me by phone during business hours, I am a XXXX and unable to answer calls during XXXX. My wife, XXXX, called XXXX multiple times leaving her messages that although not on mortgage or account, she just wanted to assist with scheduling a time for XXXX and I to speak. XXXX never got a call back. On XX/XX/XXXX I chatted with PNC bank again, they advised I had to speak with XXXX and could not tell me any information. I explained I returned her call and my wife has tried to reach her as well but we were both unsuccessful. The rep documented the situation. When I logged onto my home owners insurance account, it showed last payment in XX/XX/XXXX, but when I was able to reach a representative in XX/XX/XXXX, XXXX XXXX representative informed the check cleared their account the day I deposited the funds on XX/XX/XXXX. I received an email again from XXXX on XX/XX/XXXX stating she was trying to reach me. I immediately responded explaining she can call my wife anytime or she can call me tomorrow. XX/XX/XXXX and XX/XX/XXXX I did not receive a call from XXXX. I emailed her back letting her know I did not get a call but I do not understand why funds are still held as check was already paid by insurance company. At this point, XXXX went into the branch and asked them to have manager call me. On XX/XX/XXXX XXXX returned to the branch and spoke with XXXX explaining we need answers. XXXX scheduled a meeting with XXXX for XXXX XXXX on XX/XX/XXXX for her to call me. On XX/XX/XXXX XXXX had a co-worker call, XXXX, asking to get background information on the issue despite the email I sent to XXXX explain the problem. We asked XXXX to have the supervisor reach out to us. XX/XX/XXXX XXXX XXXX, executive branch supervisor called, we explained the problem to her but she was unable to tell us why funds were not released and where the money was. Since then XXXX has spoken to XXXX XXXX multiple times trying to resolve the issue. The only suggestion is for them to give a cashiers check from PNC listing me, PNC and SBA on check and starting the process of endorsements over again. That is not acceptable. PNC has held these funds for 5 months, avoided my calls, caused a financial hardship for me, and undue stress and wants me to go through whole process of having to get check endorsed and wait for funds again. XXXX spoke with XXXX XXXX and Regional Manager XXXX on XX/XX/XXXX and explained flood insurance checks were reissued finally and we need to get them endorsed by PNC. For the first time since this has started XXXX and XXXX asked if we could provide a break down for funds from insurance company for the flood checks and the homeowners check that was processed in XXXX of XXXX. XXXX emailed them to XXXX on XX/XX/XXXX. As of today when XXXX spoke with XXXX, they still dont have a solution to the funds being held, and are waiting to hear back from mortgage department of how we get the flood checks properly endorsed by PNC bank so we can deposit into another account. XXXX XXXX homeowners insurance company also advised us that PNC bank deposited the check in XX/XX/XXXX without the SBAs endorsement. During the conversations XXXX has had with XXXX, XXXX asked if anyone reached out to the SBA to see if a check would need to be reissued and was told by XXXX I dont have an answer for that. From the conversations that have taken place with XXXX, no real reason as to why funds are still being held has been given, nor can she answer where the funds are at. PNC bank has violated my rights as a consumer, placed a indefinite hold on the holds despite them already being paid to them, sent me a later dated 6 days after the check cleared indicating funds will be held for 10 additional days to ensure it clears, did not Inform of additional exception holds being placed on the check or account, refused to answer calls or return my calls, caused a financial hardship for me and undue stress in my life. I have had to cancel patients so I could make time to go into the branch or be available for a call. Ive attached a copy of the initial letter indication hold, copy of check before it was deposited, the chat conversations with PNC bank, and the email communications with PNC bank.
Company Response:
State: FL
Zip: 32073
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Rec. call from someone at XXXX stating he was trying to set up time to serve me papers on a civil law suit, that his company had been contracted by XXXX XXXX XXXX. Asked what this was about, was told records were sealed for my privacy but that I could call XXXX and give reference # XXXX for more info. Did so, was told I was being sued for {$3500.00} for an account through National City/PNC Bank that defaulted in XXXX of XXXX. I have never had an account or loan from either of this institutions. Said they sent me a letter 45 days ago ( I never received a letter ) and when I didn't respond they assumed I wanted to go to court. Once served, it would be a 3 day speedy trial, and I'd also be responsible for court fees on top of the debt, and that the settlement agreement amount ( which hadn't been mentioned before ) of {$1500.00} would no longer be available. I asked what kind of of loan or account this was for and was told he didn't know, I'd need the itemized billing which I could only received in discovery, once it went to court. Was told the evidence against me was the 2 forms of ID used to open the account, and he proceeded to give me my correct drivers license number, social security number, and address. Told me they would put a lien on my house, garnish wages, and take action against my XXXX XXXX XXXX. I told him I wanted to consult with a lawyer friend of mine as this sounded like a scam. I hung up, and called my friend, who also is fairly sure this is a scam. What I am worried about is that someone may have stolen my identity and actually opened an account in my name.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened a Treasury Enterprise Plan business account with PNC Bank in XX/XX/XXXX. During the period, there was a promotion running where it stated that I needed to open the account between XXXX and XX/XX/XXXX, deposit {$30000.00} in funds and maintain the balance for 3 billing cycles to get a {$500.00} welcome bonus. It is now XX/XX/XXXX and I still have the {$30000.00} in the account and no bonus has been paid. When I contact the bank, there is a lack of respnse back while they " look '' at it. I also was given a phone number for someone in retail banking support and when I call they never answer and voicemails are returned but with weeks in between. The local branch manager has been someone I have talked to and he is trying to nickel and dime with with the fine print even though he has not read the fine print and coming to me with items that are not listed for the Treasury Enterprise Plan business account such as transaction requirements. I have attached the terms email that PNC Bank sent me back on XX/XX/XXXX. This account is opened as a sole proprietorship and I am doing business under my name and using my residential address.
Company Response:
State: CO
Zip: 80003
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: After my mom passed away on XX/XX/2023, on XX/XX/2023 I contacted PNC Bank customer service and spoke with someone in their decedent department about the required documentation needed to have her checking account funds distributed to me. The total amount in her checking account was just over {$2000.00}. They instructed me to send an original death certificate, a copy of her last will naming me as the sole heir, a letter of instruction outlining how and where to disburse the funds, a copy of her drivers license, my drivers license and a voided check from her account and mail them to their document review department. I mailed the instructed items to PNC 's document review department on XX/XX/2023 from my location in Rhode Island. On XX/XX/2023, I received a letter dated XX/XX/2023 from PNC stating that they required an original or certified copy of the letters of testamentary/administration/short certificate or small estate documents. I contacted an attorney on XX/XX/2023 and was directed to PA Statute 31.01 Paragraph ( e ) which states the following : ( e ) Unclaimed property. -- ( 1 ) In any case where property or funds owned by an individual who has died a resident of this Commonwealth have been reported to the Commonwealth and are in the custody of the State Treasurer as unclaimed or abandoned property, the State Treasurer, at any time after the death of the individual, shall be authorized under this section to distribute the property or to pay the amount being held in custody where all of the following conditions are present : ( i ) The amount of the funds or the value of the property is {$11000.00} or less. ( ii ) The person claiming the property or the funds is the surviving spouse, child, mother or father, or sister or brother of the decedent, with preference given in that order. ( iii ) A personal representative of the decedent has not been appointed or five years have lapsed since the appointment of a personal representative of the decedent. On XX/XX/2023 I contacted PNC 's customer service line and asked to speak with their Document Review department regarding this matter. I was transferred to a supervisor that spoke with their document review department and stated that the only way to speak with a representative from document review was by responding to the letter ( further delaying disbursement of funds and potentially causing additional delays of back and forth responses ) or visiting a branch location ( my current residence is more than XXXX from the nearest PNC branch ). The customer service supervisor stated that there was no option to speak with the document review department directly to resolve the matter at which time I submitted a complaint formally with PNC and additionally am documenting one here as PNC 1 ) is not following PA state law statutes and 2 ) is unwilling to provide reasonable method to speak to their document review department and is making little effort to work with me to resolve this issue. Additionally, I had no issues receiving funds from two of her other accounts at competing banks. I believe PNC is intentionally making the process difficult as a means to not release the funds of which are needed to settle my mother 's expenses.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: PNC bank sent me a check with a refund that was owed to me by a merchant called XXXX. Then, the PNC bank put a stop payment on the check and caused my account to get fees. There was no reason why this happened. This was an evil and malicious act that shows how ruthless this bank is to the consumers. I want the check fixed and this to be handled by a higher official who can fine the bank.
Company Response:
State: TN
Zip: 37601
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Per XXXX XXXX XXXX I need to file an FTC report for fraudulent inquiries on my credit report for them to resolve the matter.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I had an old account with compass bank. When PNC bank bought compass I decided that was the best time to finally close that account. We moved all our bill pay to a new bank. I went into the branch, and closed all my accounts. There was an overdraft protection line of credit for the checking account. Somehow that didn't get closed and somehow a auto draft for a life insurance policy over drew the account by a few dollars and hung the loan out there. The bank called and said I owed {$25.00} or {$50.00} but could not tell me why. I went back and forth with the bank for months and 3-4 different people to get to a manger that could actually tell me what the fee was related to. At that point I was done being harassed so I agreed to pay {$50.00} to resolve it. They said I could only do it in person at a branch. So eventually went by a branch to resolve and they said they couldn't find the information and didn't know much to charge or how to resolve it. I continued to receive phone calls regarding this and finally I was able to make a payment over the phone to resolve the issue. It was a painful runaround that was complicated by PNC 's takeover of BBVA. It is an absolute outlier situation complicated by big business, new employees and and wasted thousands of dollars of people 's time. Over such a small amount. Info below from my bank. I need PNC Bank to have the late payments removed from my credit report. The charge off was {$3.00} Here is the information that PNC reported on your check line reserve. Per our conversation, you had closed out the checking account at PNC and the auto draft for {$25.00} for life insurance continued to debit which then pulled from your check line reserve. o Explanation for the late payments on check line reserve ( 2x30 days, 2x60 days, and 6x90 days ) for PNC Bank loan ( acct ending in XXXX )
Company Response:
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was racially discriminated against by PNC Bank XXXX XXXX NJ on XX/XX/XXXX when I went in to make a deposit and get 3 certified checks. The certified checks in total came to {$23000.00}. I did not have a problem with making the deposit. At the time I had more than enough to cover my request. Initially I'd given the teller my ATM card for the account deposit was complete. It was the teller and XXXX who said she was a banker at the branch reviewing my account. XXXX handed me the withdrawal slip and advise me to write on the back to whom the checks should be made out to. XXXX then asked me for a form of ID. When I completed that information I handed the withdrawal slip to the teller and my NJ drivers license. XXXX and the teller continued to review my account. After a few minutes XXXX walks over to another teller by the name of XXXX to have a discussion which resulted in XXXX coming over to review my account with both XXXX and the teller. After a few minutes XXXX states that my DL information does not match what in their system. I responded by telling her that I was not aware of the information in the system, nor do I enter that information into their system. She then began to tell me for those reason I would not be issued the certified checks. I respond to them that does not make sense to me and that my DL had never been an issue prior to today. XXXX again repeated to me that she was unable to provide me the certified checks as a result of the information not matching. I then advised that if the were not willing to issue the checks then I would close all my accounts with PNC. XXXX said to me that I could not close my account as I had a pending transaction with the {$50.00} deposit that I had just made. I was handed back my ID and bank card denying me access to my funds. I immediately contacted the XXXX number where I made a complaint while in the branch. Concluding my call I left the branch and went home to contact my attorney. My attorney contacted the branch to have a discussion with regard to what I just experienced with not being allowed access to my funds. I was then advised by my attorney to go back to the branch to retrieve my certified checks. Why I feel that this was a XXXX issue, on XX/XX/XXXX I came to branch in the same attire and requested a withdrawal from another account in the amount of {$550000.00}. I provided the bank card for the account and DL as I did on XX/XX/XXXX, I was not questioned about my DL at that time. The teller offered me a room to count the money to make sure there had not been an error in the amount that he'd provided me. I went to the room, counted the money and left the branch. The only difference is that the account that I drew the money from did not have even close to the amount that I was withdrawing funds for the certified checks. Two days after the incident I received a call XXXX or XXXX last initial M the followed up with regard to my complaint. I expressed to her that I felt I had been discriminated against, gave her the information about the incident. I'd also shared that when I discussed with XXXX when I returned about the being charged fee 's for the certified checks and that I felt I should not be charged being that my time had not been valued. The response from XXXX was it's the bank fee. Nor had I been reached out to by the branch XXXX to discuss the incident. XXXX asked had anyone offered to correct my DL information in the system. I advised that I had not been offered that as an option. At no time did XXXX state that it is a policy for a DL to be scrutinized by review the DL number and expiration date to what the bank has in the system. XXXX was going to send my complaint to the XXXX relations department and to expect someone to reach out to me. XXXX XXXX an XXXX XXXX Relations to contact me. I provided him the same information as I did XXXX. XXXX gave apologies for my experience a few times. I'd shared my feelings about being charged the bank fee, and not being contacted by the branch XXXX. He asked would it make a difference if someone from the bank sent an apology letter. I declined as accountability resides with those that had discriminated against me. In the conclusion of our call XXXX offered no follow up to my complaint, or refunding me the certified check fees. As if my experience was business a usual. I was humiliated in front of other customers, embarrassed, an made to feel like I'd come to the bank to pull a scam or conduct a fraudulent transactions, as if I were a thief of some sort. I've been a customer of PNC Bank since XXXX. To have to go as far as contacting my attorney to take out monies that belong to me was not just. I live in a city where there is a strong minority presence. If PNC is not held accountable for XXXX discrimination other people potentially will receive the same treatment because of how the look, and skin XXXX. I am determined to hold PNC Bank accountable for how I was treated.
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: This morning I received an email from my bank, PNC, that my checking account 's balance is XXXX. I immediately logged in to my PNC app to transfer money from my saving account to my checking, but I didn't see my saving account. I rushed to the nearest PNC bank near my work, and shared my concern with the agents. They confirmed that it looked unusual, but they can not give me more information until they investigate more. After nearly an hour, I received an email from my agent. Here is the exact text from the message : " I made some phone calls and it does look like the accounts are being closed. PNC has already issued checks in the mail for the balances in your accounts, so Id keep my eye out for those letters. I tried to get a more detailed explanation, but since I am not the owner of the account PNC requests you call XXXX for additional info. I did inquire if we can open you a new account and our research team did say we can do that. If youre interested in getting re-established with a new account, Id be happy to schedule an appointment! '' I called the XXXX number, and the lady on the other end of the call informed me that PNC had decided to close my account, as they have the right to, and she was not able to give me absolutely any reason for that. As a 10 year loyal PNC customer, who has done everything legally and ethically to the best of his knowledge, I am shocked by this event. This will cause tremendous discomfort and will require massive effort to fix for me, since my account at PNC was the only bank account I had for the past 10 years and is linked to many of my financial transactions, such as Bill autopayments, student loan, car loan, etc. I am trying ro get to the bottom of this. If I have done anything wrong, I would like to be informed about that. PNC 's decision to just close my account out-of-the-blue, made me lose my trust in the company and it should make other customers reconsider trusting them with their financials.
Company Response:
State: OH
Zip: 45429
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A