Date Received: 2023-05-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On Mon. XX/XX/23 I opened an account and deposited a check XXXX XXXX XXXX XXXX, for a refund of an issue we had. on XXXX XX/XX/23, this {$800.00} check cleared my account. on XXXX XX/XX/23, this {$800.00} deposit was reversed by PNC, and said the issuer had placed a stop payment on this check ( after it was already cleared ). I found out they did this because I had given them a bad reveiw, the Sales mgr told me this, I then spoke with his mgr and they will be re-issuing the check. I don't know how a bank can take money out of someones account on a deposit that has already cleared, when the issuer puts a stop payment after the check was already cleared.
Company Response:
State: TX
Zip: 77385
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Husband passed away XX/XX/XXXX. Received social security check for XXXX in XXXX. Bank placed hold on check. Was informed by social security that this check would not have to be returned as it was for XXXX. Bank would not release hold. On XX/XX/XXXX they informed me they were going to return the check because it was payment for XXXX. I asked them to verify their information and call me back. They did not. Today XX/XX/XXXX, they returned the check to social security. This is a hardship as it will take me at least XXXX months to reclaim this check. They also sent through XXXX transactions instead of XXXX to return this check leaving me overdrawn.
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Fraudulent credit card was opened and charged up to XXXX that I never received used or entered into a card member agreement for an account o be opened on my name with pnc bank. This account is fraud and I plan to escalate this matter to court if needed. Account number XXXX
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I was told by a friend that you helped that has a similar situation. I was convicted of aiding and abetting my parents loans. Yet the court ordered restitution against only me. Approximately $ XXXX between Chase Bank and XXXX XXXX XXXX Yet under XXXX. It clearly states that unless they were the direct or proximate victim. They are not entitled to a windfall. Given that XXXX was awarded XXXX assets for less than a XXXX on the dollar. Yet they already made over a XXXX dollars on the loans in question. This is a case that went to the Supreme Court, Robers v. US. I have the same problem with a minor loan that was with XXXX XXXX, taken over by XXXX XXXX. I have argued this on my XXXX XXXX. Yet the court refused to rule on this. So my friend said that you helped him on a similar problem and suggested I contact you. I would be very happy if you could be of help, as this burden is keeping me from moving on with my life. I have finished my sentence and was released. Sadly my XXXX XXXX XXXX attorney failed to ask for a forensic analysis to prove this.
Company Response:
State: MI
Zip: 48135
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: For the past 9 years, my credit profile has been consistently targeted by hackers who have used my personal information to fraudulently obtain car loans, credit cards, and other loans without my consent. Despite reaching out to the companies involved, I have not received any positive results. This constant breach of my personal information has caused significant hardship for me and has negatively impacted my credit score. Therefore, I am requesting that all creditors remove any negative information from my credit report that was the result of these fraudulent activities. I would greatly appreciate your help in resolving this ongoing issue.
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX PNC BANK, N.A. XX/XX/2023 To Whom It May Concern, This letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : XXXX
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received an email from PNC bank on the morning of XX/XX/2023, alerting me that my checking balance was {$0.00}. I checked the PNC XXXX and saw a charge of {$1500.00} or so to Rental in XXXX, posted on XX/XX/XXXX. I had never even heard of XXXX in XXXX until this point. I called immediately and was told they would take up to XXXX days to even get provisional funds back in my account. I asked them to expedite that, but was told that since I had a balance in a separate XXXX account, I didnt qualify for emergency expedition. I asked what if I had plans for that money? They had no response. I called again this morning, XX/XX/XXXX. There has been no progress, of course, but I was able to convince them to expedite the fraud investigation. Although they still maintain it could be XXXX days for provisional funds to hit my account, and something like XXXX days for the actual money to be refunded. Some background : I have been using my PNC credit card to buy things for our trip to XXXX next week. Most of those transactions have been flagged for security. XXXX glad for that and shot to take the time to confirm the purchase. Its ridiculous that they dont have the same tenacity when it comes to my debit card. Thank you.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: We were contacted through a group on XXXX called XXXX XXXX XXXXXXXX XXXX whom we are a member of, to take a look at another page XXXX XXXX XXXX for Adoption and Rehoming. We had posted we were interested in purchasing a XXXX XXXX and a member reached out saying that this breeder had available puppies and to take a look. We now believe this person, XXXX XXXX XXXX, was working with the impersonator to drive people to the group. We reached out to XXXX XXXX on XX/XX/XXXX about a dog named XXXX. These conversation are included In this letter. Based on the conversation we agreed to purchase the dog for {$800.00} dollars which included her husband driving the dog to our home from Ohio to NJ, which was about a 7 hour drive. We agreed this puppy would be given to us around XXXX on XX/XX/XXXX. The impersonator then asked us to complete the transaction through XXXX using the email address XXXX and to put the name XXXX XXXX which she would later state was her husbands account. We made the payment, but immediately saw that the name on the account was XXXX XXXX. We also received an email from PNC stating that XXXX would not receive the money until she set up her XXXX payment account and would have 14 days to do so. We became nervous about this issue and were even more worried when she immediately then requested we cancel that payment and resend it to the phone number XXXX. We explained we could not cancel it and I then reached out to the PNC customer service chat about this concern as I was worried I was being scammed. They advised me not to send another XXXX to that payment account and went over my dispute options once the payment posted. Upon checking, this number also showed XXXX XXXX on the account. After the initial payment was made we had no further contact with the impersonator until the next morning, when they tried to extort an additional {$300.00} dollars from us on the basis that it was important for the dogs health to stay with them until Thursday and have their last shots that would cost {$300.00}. I declined and explained that this was not the deal we had made and if they could not fulfil their end of the agreement I would like my money returned to me immediately. At this time, we became pretty sure this was a scam, but were optimistic. We were told the dog would be in our hands by XXXX XXXX. I asked for a picture to show when the dog left and they said they would do that. By XXXX XXXX that day we had not received any contact from the impersonator and were alerted by one of the members of the group that she was, indeed, a scam artist. At that point I asked for my money back and they began writing gibberish back to me. At that point they blocked me and removed/blocked me from the group. On Monday, XX/XX/XXXX, I reached out to PNC Bank customer service via chat to ask about starting a dispute. The customer service rep took almost an hour to even start the dispute process. Once the dispute process began they asked me a series of questions about my dispute that had multiple choice answers. None of the answers applied to my situation and I explained that to the representative, but still had to choose. I picked unauthorized transaction because that was the only choice that remotely resembled my issue. They then asked me a serious of questions I could not answer as I was scammed and did not have people 's real names or contact information. I explained this to them and was told that they would process the dispute and I would be contacted from someone at PNC to discuss it further with information I could give them. On this same day, I mailed my dispute and all supporting documentation to PNC bank via XXXX trackable and signature required mail. I have the name of the PNC employee who signed for this letter, as well. I have proof of receipt that this document was not received at PNC bank until Friday afternoon, XX/XX/XXXX. A letter, dated XX/XX/XXXX, was received today ( XX/XX/XXXX ) that an investigation had been done and the dispute was denied on the fact that the transaction was valid. It is clear that neither the bank or the dispute department did any investigation or even looking at the detailed dispute letter with documentation I sent. I even wrote about the Electronic Funds Transfer Act, Regulation E and how it should protect me. Everything was ignored. PNC takes no responsibility even though you MUST go through XXXX on their app and they are co-owners of the application itself. XXXX has told me I can only dispute via PNC. I also filed a fraud report with the FTC.
Company Response:
State: NJ
Zip: 07869
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Made {$400.00} payment due XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment was posted the following Monday, XXXX XXXX XXXX. PNC Bank did not apply the XXXX XXXX XXXX {$400.00} monthly mortgage payment for the XXXX XX/XX/2023 payment due. PNC Bank sent statement showing XXXX XXXX XXXX payment received but not applied to XX/XX/2023 payment that was due. Found statement on PNC Bank mortgage XX/XX/2023 statement : " In XX/XX/2023, the Prepaid Funds Functionality for your account will be discontinued. Prepaid Funds will no longer satisfy any or all of a Regular Monthly Payment due. As of XX/XX/2023, a payment will be required every month. Any amount that exceed your minimum payment due will be applied pursuant to the terms of your loan agreement. '' Note that despite having made the payment in the month in which it was due, PNC Bank did not properly apply the payment to the account. XXXX XXXX XXXX met with XXXX XXXX at XXXX XXXX PNC Bank branch. XXXX XXXX called someone and spoke with them about this issue. XXXX XXXX informed me that they would research the problem on Monday or Tuesday, and that if I did not hear from her by the following Thursday I was to call her. Not having heard anything, I called and spoke with XXXX on Thursday, XXXX XXXX XXXX XXXX called later and left a voice mail message, saying, " They re-applied the payment. So, the letter I got in the mail just crossed in the mail. You are absolutely fine. '' Tuesday, XXXX XXXX XXXX or Tuesday, XXXX XX/XX/2023 received a call from PNC Payment Options but they hung up when I answered. XXXX XX/XX/2023 received a collections notice from PNC Bank claiming that the XXXX XXXX XXXX mortgage payment was not made.
Company Response:
State: KY
Zip: 40291
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: PNC Bank OWES Me. CFPB Complaint # 's XXXX and XXXX and now this 3rd Complain on PNC. # 1-PNC Allowed Fraud on both my accounts, checking and credit. # 2-PNC did not honor A Stop payment I asked them to Not Pay. # 3-PNC Did Not Honor All the Disputes I Had to File Because of the Fraud. # 4-PNC Says It did Nothing wrong and expects Me to Pay Back {$2000.00} Plus, more dollars to satisfy recoveries. With all the fees, all the disputes, the {$700.00} stop payment. The balance would put money back into my new bank account. And that's why I am now filing this third complaint against PNC bank. Because PNC Recoveries just called me asking for {$2200.00}. The CFPB did not seem to help me with the case, because of the resolution. Because PNC bank was not held responsible for their errors in banking. Errors in allowing Fraud and errors in not honoring banking processes. From The 1st complaint to the 5th complaint there has been zero dollars returned. Complaint # 's 1 & 2 & 5 are complaints against financial institutions. All 3 closed with nothing done wrong or true complaint and zero returned to me. Complaint # 3 against the XXXX XXXX XXXX XXXX. Closed with nothing returned to me. Call Them Yourself Sir. Complaint # 4 against XXXX XXXX XXXXXXXX. Closed for me and without my knowledge. So, this complaint is against PNC. Not The CFPB. I was only reporting what has happened with my complaints at the CFPB. I hope that the CFPB Stops PNC bank from asking me for money and or collecting any more money from me and anyone else. Because of the banks own negligence. I hope that this CFPB process keeps improving and turns into a benefit for me. Thank You CFPB. XXXX XXXX
Company Response:
State: SD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A