Date Received: 2023-05-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 at approxiamately XXXX my laptop was held hostage. A message popped up indicating access to my PC was blocked for security reasons and instructed me to contact XXXX XXXX. I did not call the number on the screen but XXXX XXXX XXXX. The number on the search was different than the number on the screen so I called that number. The person who answered explained that I was being hacked and he could assist. He instructed me to download an app XXXX XXXX which allowed him to see my phone screen, then led me through a series of instructions in a very quick and demanding manner and showed me I had set up notifications with XXXX to indicate when security was breached. Also, took me to XXXX which showed someone was trying to purchase {$4000.00} worth of products on the website. He said we needed to take action quickly to shut down/reset various cash apps. He led me through a process involving XXXX, XXXX and XXXX to transfer money to friends which would be returned to me and reset the apps. As a result of this my checking account was drained of {$2200.00} to XXXX and {$1000.00} to XXXX. I knew the person involved in the XXXX transaction but not the person involved with the XXXX transaction. When I asked for the refund to process back the guy said it would process Monday and refused to let me speak with a supervisor. That is when I realized I had just been scammed and frauded. I contacted the real XXXX XXXX, which I learned is actually called XXXX XXXX. XXXX XXXX stated it was fraud when I explained what happened and referred me to the bank. I immediately went to PNC Bank XXXX XXXX XXXX and closed and suspended my bank account that I had had for over 35 years. I opened new accounts then began the process of disputing the transactions with the bank, XXXX and XXXX. XXXX required a police report which was filed with the XXXX Police Department, report # XXXX. XXXX eventually reversed the charge of over {$5000.00} that was attempted on my account. XXXX would not resolve directly with me as it was disputed through the bank. The bank gave a provisional credit of the {$2200.00} while XXXX was being disputed. They did not credit the XXXX amount of {$1000.00}. XXXX apparently paid the bank as it was an obvious case of fraud so the {$2200.00} was permanently restored. However, PNC has refused to acknowledge the fraud on the XXXX transaction through numerous dispute escalations and will not reinstate the XXXX XXXX.The bank said I willingly participated in the transfer. What choice did I have when someone tells me my checking account is under fire and all the money is being drained? I had no time to think. Exactly the fraudsters intent. I had never used XXXX prior to the XXXX and was not in the habit of transferring large amounts of funds with either XXXX or XXXX. In an interesting twist the bank froze my new accounts in XXXX over a transaction amount of {$140.00} taking place via XXXX XXXX. I found out about the freeze when my credit card was declined during an in-person transaction. The bank stated that XXXX XXXX was involved in a lot of fraud. Interesting that my account is frozen over {$140.00} via a 3rd party cash app but not on {$1000.00} and more on the previous transactions. This was a situation of ransomware, psychological manipulation, ransomware, and elder abuse among other things. PNC Bank is setting up their clients for this to continually occur as there is no protection or recourse offered to customers.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This bank reversed over {$8000.00} worth of checks written to me from my father. They reversed them claiming forgery when it clearly wasn't and if they looked at the checks and signatures they would realize that. They never gave me an opportunity to dispute these reversals or anything. Upon contacting them they said they can't do anything about it which I don't see how when they were the ones that clearly did it and they could have easily just looked at prior checks to see matching signatures but instead they just reversed it without giving me a chance to dispute it after the fact or anything. He said never reversed them so who did and why is anyone allowed to reverse checks that don't belong to them
Company Response:
State: MI
Zip: 48178
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Covid 19 pandemic started and I received a phone call offering partially differed payments during the pandemic. I thought that they would last the time of the pandemic. it was not made clear to me that they would only last 3 months. After such time I continued with the partial payment when full payments have been needed. Then XX/XX/2020 hit - I missed a full payment. In XXXX I attempted to pay the full balance owed ( missed paymentsXXXX XXXX payments ). I was on the phone with a customer service rep- I waited on the phone until it cleared the banks with her. We had made two separate transactions to be sure that pnc did not confuse the XXXX payment as just paying off the principal. After two weeks of it being withdrawn from my account and it was there in the pnc hands. It was returned. I received no notice that it was returned and the account it was returned too got hit for an XXXX XXXX fee and I no longer had the full amount and they would not accept any less. I waited another month XXXX XXXX as soon as the money hit my account I immediately used XXXX XXXX bill pay to send it to pnc. It was a Thursday and a long XXXX XXXX XXXX was approaching. My bill was due on the XXXX? I called and told them everything I had done and that XXXX XXXX estimated that it would arrive before the XXXX but I wanted to assure them it was in-fact on the way. I did this with three different customer service reps to be sure it was noted on my account. I was lied to and told I had nothing to worry about. My truck was taken on a XXXX XXXX at XXXX no warning, no note or letter from the bank I wasnt even there to see it happen. The bank isnt even open to give the order to repossess nor were they open to process my payment. They were also closed the next day for XXXX XXXX. My check was processed that XXXX XXXX. I received a letter on Thursday that it had been repossessed. Since the police had no knowledge of a repossession in the area happening, the bank claimed to not have taken it and my truck had been taken I had reported it to my insurance company as stolen. I now pay more in insurance due to the bank lying to me about reposession. It took over a week to even find my truck. And the bank finally put me into contact with the right department. I spent nearly XXXX dollars getting a damaged truck back. I continue to pay double insurance premiums due to the bank mis handling my account. I have reported to XXXX and made complaints with PNC. Pnc has told me they are not at fault. I did everything I could. I feel as though this is not my fault and is on my credit report. Its blocking me from getting a new credit card, refinancing my truck loan, purchasing a house. At the time of repossession my truck was worth more than I payed for it. I believe they were trying to make money off my loan
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Please note that PNC was issued TWO demand letters. Their claim of progress, should not be accepted as the demand letter emphasized two things ; XXXX and disbursement. They have also been supplied with all information needed to complete the transaction of a requested wire and any notification that deviates from informing CFPB a direct transfer was completed should be regarded as a failure to comply and an open, unresolved compliance case. Submitted will be that demand for disbursement. At the close of day XX/XX/XXXX, I was informed that they will be mailing out checks instead in violation of the terms and a third and very specific demand has again been sent. I believe based on this turnaround that XXXX XXXX who at the start intended to do a wire, was overruled by a superior officer based on contents in correspondence that was received. I also believe that the checks issued twice before, the refusal to initially split the check until a letter to departmental heads was sent, and subsequent fraudulent routing and account information were all racially motivated and a hate crime. PNC has now been issued a THIRD demand and per breach of the other letters, has accepted payment of all legal fees associated with fund recovery. Documents sent as a customer included proof of XXXX and with full disclosure, has failed to comply as a matter of right ; an ethical violation. They have also been informed that XXXX right to reasonable accommodation is mandatory and no other tender will be accepted based on that law and civil trespass which included listing false balances to be negative on a positive account and then sending that fraudulent account to collection agencies, a felonious crime and possible ID theft. Any claim by PNC of any other disbursement method are to be considered a breach of contract and an XXXX violation of compliance under law. They have been given until the end of day on Monday for disbursement via transfer ONLY and well within my rights. This discriminatory conduct has been consistent and unrelenting and I believe the Executive Client department is engaging in conduct unbecoming and malicious intent. Due to this, I have informed the institution that due to bullying and strong-arm tactics, a a pattern of discrimination due to both race and XXXX, tampering, deceptive business practices and fraud including trespass I have decided it best to cease any attempt of civility and continued efforts to cause distress and financial harm has failed. It is a necessary step that will shift all future contact to the affected male third party directly., simultaneously creating a witness to fraud and deception. I am convinced doing so will create instant cooperation among the staff. LETTER OF DEMAND This demand letter includes a disclosure clause that PNC gives full authorization to display evidence of misconduct, orally or written, ALL forms of correspondence in relation to this matter including third-party attempts to recoup losses. They ( PNC ) are also responsible for the disbursement of funds not received including a XXXX XXXX returned {$250.00} transfer from XXXX sent on XX/XX/XXXX and yet to be distributed by PNC after closing of accounts, overdraft fees incurred as a result of deliberate computer trespass via a false frozen claim on a linked non-PNC account and accompanying documents. AUTHORIZATION OF RECORDS The authorization to disclose and/or display records shall be effective and binding starting XX/XX/XXXX with no end date on any forum, at any time, publicly or privately without recourse and shall be acceptable evidence of PNC compliance on any filed counter measure, complaint, and claims of violation and/or revocation requests.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a Virtual Wallet Performance Select account with PNC Bank on XX/XX/2022 with a required {$5000.00} direct deposit within 60 days to earn a {$400.00} sign up bonus. My work took too long to process my direct deposits, so I called PNC Bank and downgraded my account to Virtual Wallet with Performance Spend that had a required {$2000.00} direct deposit within 60 days to earn a {$200.00} bonus. I was told by the customer service representative who downgraded my account over the phone that if I direct deposited {$2000.00} by XX/XX/2022 that I would receive the {$200.00} bonus. This is the reason why I downgraded the account. It is now XXXX and I still have not received the bonus after having direct deposits to PNC Bank all this time. I called PNC to check on the status of my bonus, and the representative told me I originally signed up for the Performance Select account so I would not receive the Performance Spend bonus of {$200.00} that the representative told me I would receive after downgrading. I told them I was told that I would receive the bonus and that I was told deceiving information and that I was not happy. A couple days later another representative from PNC called me. I told her about the situation. She told me that I would not get the money, but she could still put in a complaint to PNC " to try '' to get the bonus. After the complaint, I never received the bonus. It is very frustrating that I have been making direct deposits since last year and the bank is taking advantage of me. PNC Bank owes me the {$200.00} bonus they promised me.
Company Response:
State: CA
Zip: 92808
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Check # XXXX for {$4800.00} was issued from my business PNC account to a vendor on XX/XX/2022. My vendor deposited the check and it cleared my PNC account. On XX/XX/2022 the vendor sent me his statement from his bank ( XXXX XXXX ) that the check had been pulled from his account with a error notice " to referr to maker ''. My client does not have the funds and XXXX XXXX has confirmed the funds were sent back to PNC and provided their batch number for the transaction. PNC has not yet returned the funds to my account. I reached out to my business banker on XX/XX/XXXX and placed an escalation call to PNC customer service. I have reached out multiple times and still have no answer to where my funds are.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have already submitted a claim regarding this matter. PNC provided false information in their response and I had no ability to upload documents to prove their information was false. I am submitting that proof with this complaint.
Company Response:
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX. XX/XX/2023 I received text alert from XXXX regarding a deposit from someone i dont know. I imediately call My bank PNC. They advised me i have to wait until the transaction posts to return it, because it is XXXX. under pending. The bank would have the person who XXXX me info, i dont know the person so i can not reach out. Monday still pending, tuesday morning i try to send it back i get alert " service unavailable call PNC ''. I was then notified by PNC i have no access to use XXXX they reserve the right, i have no access to online banking, my direct deposit my money in frozen the investigation can take up to 30 days. My kid has XXXX and XXXX, im a XXXX XXXX XXXX with no access to my money. This is illegal. How can thet just do this?
Company Response:
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My mom passed away in XX/XX/2022. At that time, she had her Medicare premium payments set up for auto payment through PNC bank. I notified PNC and Medicare/Social Security that my mom passed away and provided the official death certificate XX/XX/2022. I then filed for probate and waited for that process to complete. When probate ended, I went to PNC to pay the lawyer fees and settle the estate. It was then that I found out PNC had continued paying mom 's Medicare premiums EVERY MONTH since she passed away ( around the XXXX of the month ). At the time, it was 11 payments of {$140.00} each. At the local branch, I was told it was their mistake and they would make it right by XXXX XXXX XXXX XXXX KY. I put a stop order on all future Medicare payments and received an e-mail confirmation that it would not happen again. The next month, they paid it again! It is now almost {$1800.00} PNC has paid out to Medicare since mom passed. I then received 11 letters from PNC saying they would not be paying me back for the money and that the matter is settled. After numerous visits to local branches, phone calls, and e-mails this is where it stands : PNC blames their third party bill pay service. The third party bill pay service blames Medicare. Medicare told that third party bill pay employee that they have not been billing them or making any electronic requests for money, PNC just keeps sending it out. She said this would be the equivalent of me sitting down and writing out a check and mailing it in each month ( knowing that my mother is deceased and not receiving the benefits ) but just continuing to pay the insurance premiums. THE THIRD PARTY EMPLOYEE AGREED. But no one has made it right! I have had numerous phone calls with social security and filled out forms/written letters to try to get the money back. I have gone to two local branches of PNC, sat on the phone for hours with the escalation department, and written numerous e-mails to try to get the money back. I have not had any success. I have reached out to the lawyer that did mom 's estate/probate for help. He called PNC last week and said that once those moneys had been filed on the probate form, it was unlawful to keep removing those funds. PNC has not responded. Can you help?
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I did not consent to, or authorize nor benefit from any of the following accounts and information.
Company Response:
State: NC
Zip: 27534
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A