Date Received: 2023-04-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, two checks were fraudulently written against my checking account with PNC totalling {$4200.00}. The checks were not from my check book, rather they look like bill pay checks, but not exactly. These checks do not have my name on them at all. Not at the top of the check, nor was my signature on the check authorizing the payments. The checks did have my business address at the top left, indicated " Signature On File - This check has been authorized by your depositor '', and my checking account number was at the bottom of these fraudulent checks. On XX/XX/XXXX is when I noticed this fraudulent activity. The reason I didn't notice this sooner was because XXXX XXXX XXXX XXXX XXXX XXXX twice over a 3 week period, my nephew passed away suddenly, my older brother fell extremely ill, and the XXXX, XXXX and XXXX XXXX holidays distracted me from my usual daily routines. I immediately contacted my PNC Branch at XXXX XXXX XXXX XXXX in XXXX, PA XXXX. I was then contacted by XXXX XXXX from PNC and was instructed to come into the XXXX on XXXX to put a freeze on the account and open a new account. I was told there would be an investigation before I would be reimbursed and that it could take 30-120 days but that they would get back to me from time to time to keep me informed of the status of the investigation. On XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX called to let me know the investigation was ongoing. On XXXX I received a voicemail message stating the investigation was being closed and that the disputes were being denied because I reported the fraudulent activity outside of the 60-day time frame stated in the paperwork I signed when I opened the account approximately 30 years ago. I have been fighting with PNC since and I keep getting the same result with each and every PNC representative. I have since sent a letter to the Branch Manager/Asst VP of the XXXX Branch XXXX XXXX XXXX XXXX on XX/XX/XXXX which was never acknowledged. Another representative advised me to complete and submit a signed Affidavit which was notarized for each of these fraudulent transactions which I did on XX/XX/XXXX, only to be again advised that my request is being denied as it was outside of the 60day window. My son has also attempted to help me get resolution by coming to the branch with me, corresponding with PNC via XXXX, and having follow up phone calls. Still same result. Request is denied to return these funds to my account. PNC will also not give us any information as to the status of the investigation. Today I filed a police report with the XXXX XXXX Police department ( investigation # XXXX ). I am attempting to get our local news media involved as well. I am pleading with you to assist me in getting PNC to do the right thing and return my {$4200.00}. I am XXXX years old and this is a severe hardship for me. I did nothing wrong. I am a victim of fraud, and PNC with whom I have trusted to secure my hard earned money are refusing to assist me because I was just 3-4 days outside of their 60 day window. They will not take into account the 3 National holidays nor the other extenuating circumstances listed above. I appreciate your time and consideration.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/23 I lost my wallet, which had my debit card in it. I immediately went to PNC Bank to shut down the debit card and get a new one. I was told the old card was shut down and I would be credited for the {$980.00} purchase that had been made at a nearby XXXX store that day. The card was NOT shut down for another 2 weeks, and even tho I reported my wallet lost PNC chose to ignore that and insisted that the card was in my possession at the time of the purchase. They refused to give me back my money, without doing any investigation whatsoever. I still don't have that money, and it's been nearly 2 months. XXXX XXXX
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: PNC Closed my virtual checking and savings accounts. I tried to reopen the accounts, however they closed the accounts without explaining the reasons behind their decision, just said that I violated their terms and conditions.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XXXX -- tried to use credit card, charge would not go through, though it was within my credit limit and the card was not delinquent. XXXX -- PNC reduced my credit limit significantly. I want it raised back to what it was. My FICO score is good -- XXXX.
Company Response:
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing this letter to file a complaint against PNC for repeatedly putting back the disputed information on my credit report. I have filed multiple disputes with PNC regarding incorrect information that was reported to the credit bureaus. However, despite my repeated efforts to get the information corrected, PNC has consistently failed to update my credit report and has instead put the disputed information back on my report multiple times. This has caused significant damage to my credit score and has affected my ability to obtain credit and loans. Despite my best efforts to work with PNC and resolve this issue, they have repeatedly failed to take the necessary actions to correct my credit report. I request that PNC take immediate action to correct my credit report and remove the disputed information once and for all. Additionally, I would appreciate it if you could provide me with written confirmation that this matter has been resolved.
Company Response:
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I inquired about opening a business account account on XX/XX/2023. On XX/XX/2023 I received and email from XXXX XXXX to open a secure email link he sent. It requested my business documents to be sent. I uploaded a copy of my IRS-EIN and Secretary of State Registration . After a few days and no response I then called PNC to get assistance with proceeding to open my account. The process was supposed to be that after my documentation was uploaded I then someone would schedule a virtual appointment. The closest PNC to me is XXXX miles. When I called PNC and reached someone in the business department the individual I spoke first told me he never heard of XXXX XXXX and doesnt think he is apart of the team then he sent a message to his XXXX who stated the individual was indeed a business rep. So instead of the person on the phone connecting me to XXXX XXXX he heavy suggested I go into a branch. The only PNC that I knew of that was potentially close was in XXXX, XXXX XXXX. I live in XXXX. The initial bank I requested to go into I was told they had no bank managers available to open business accounts and to go into the PNC branch on XXXX XXXX in XXXX, North Carolina. I went to to the Branch on XX/XX/2023 and met with XXXX XXXX XXXX XXXX. I first typed in my social via key pad, then she asked me to type it again. She stated another profile popped up but a different name but stated it was from a Individual in XXXX. She stated the person didnt have any business relationship with PNC XXXX She told me not to worry she would have me fill out a XXXX form. She then asked for my Business documentation. She almost immediately started asking me how was my credit and she started tell me about Business Credit Cards. I told her I was interested because I was trying to buy a home and really didnt care much for credit cards the credit Union I bank with provided me with a credit card recently and I was content with what I had. Then XXXX XXXX XXXX started tell me how during her divorce she was in a significant amount of credit card debt and her credit was horrible then she said her credit got better. So then XXXX started discussing merchant services. She called a merchant services rep and put him on speaker phone and as we were discussing merchant services for my business I noticed XXXX XXXX typing information from my credit card from my other Bank and my ID. She had already entered my information. So after a XXXX min conversation with the merchant services rep. I get an alert on my email regarding a application denial. So I asked XXXX did she apply for a credit card because it was denied then she looked in her system and said oh it was because you have to many inquiries on your credit. I did not authorize her to apply for anything. The account opening was concluded and I left. On XX/XX/XXXX, I get an email from XXXX stating my address was residential it was for a mail room and I stated well its a business account that is where my business mail goes. So she asked me to email her my physical address and which I did. She stated the back office needed the information. I was confused considering I was in the branch for XXXX when opening my account. On Monday XXXX I get another email from XXXX stated the back office needed my social security card. She then called and asked if I could send my ID and Social via email. I told her no because emails arent secure. Her being a branch XXXX it was concerning because these issues should have been addressed when I was there. So since I couldnt make it back in the office on Wednesday the XXXX I called PNC customer service XXXX department asking to speak with the department that was asking for documentation me assuming their was a secure document upload option. I just so happen to speaking with the same rep who instructed me to go into the branch. I expressed to him my concern with the XXXX XXXX and instead of him contacting his XXXX he contacts the XXXX XXXX and he was like Im messaging her now I said while why when the complaint is about her. So he stated she messaged him stating to call her. I ended the call. So on the evening of XX/XX/2023 I go to login into my business account to get my account information to provide to the companys that will pay me I kept getting an error message I first assumed the app was down. I called into PNC customer care they stated everything was fine and try from a different browser. I stated to her I already did so she looked further into my account and stated oh looks like there is a security alert on your account and the branch XXXX XXXX stated I have to come in. I live far Im trying to get everything in place for my business I can not keep driving XXXX miles to a branch. I called PNC customer service again. I was told I could be mailed a XXXX form and send it back no big deal. When I called again because Im still not sure why I cant access my account. I explained to a representative in the business department the whole situation and how I felt the XXXX XXXX XXXX was attempting to commit Identity theft fraud. She was asking person question via phone unrelated to direct account stuff. So the business rep stated he would file a complaint and have it escalated. It has been 3 days and I have no got a return call from anyone at PNC. I went into a different XXXX located in XXXX XXXX XXXX. I explained to the branch rep what was going on she called a department called loss and prevention I provided her with my ID and Social made copies and insured me she would send it to the right department. I am not sure why my documents werent sent immediately and the shredded. So I called PNC customer again and asked could they reach out to that department to see if they received my documents. The rep stated she would add to the escalation report but someone has it where I can only go into a branch. PNC has caused me to loose money the have no structure they cant even properly protect customers from potential identity theft. They work on a call back basis. I have XXXX XXXX and XXXX XXXX XXXX. All this stress and upset me more ways than one. PNC even even refused to close the account.
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I previously made a complaint about PNC closing my account without an explanation. Now the PNC bank is retaliating against me by holding all my funds and not allowing me to access my money. I have over XXXX dollars in my checking account and can not get XXXX dollars at the ATM, This is a very volatile situation, and I dont want this to escalate into a criminal situation. Please have PNC to release my money since they dont want me as a customer.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: BBVA was my original mortgage company we had slow payments that turned into missed payments. We set a a repayment plan with XXXX in the collections department and began paying. We got down to {$1400.00} dollars and BBVA was purchased by PNC. PNC says theres no record of the payments and have not provided my checking account history. They are not operating in good faith knowing my financial situation they offered for me to pay {$2500.00} on top of my mortgage for two years then my mortgage would return to normal. They refused to research the phone number of the person in collections that I was making payments to at BBVA. XXXX number was ( XXXX ) XXXX. Even is she was laid off during the process of BBVA going out of business they couldve found out who she was and contacted her for verification. Im a senior on XXXX and they want to throw me on the streets. They stopped taking my payments, and started passing my phone calls around until the line went blank. They even did that to my attorney, they are slow to respond as we get closer to the auction date. I was referred to you by the comptroller of currency.
Company Response:
State: CA
Zip: 95205
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am a customer at PNC bank and have been dealing with a fraud transaction in my account and PNC is not helping me solve the issue as needed. It was a total of {$4900.00} on XX/XX/2022, and the company of the fraudulent transaction was XXXX XXXX which I never heard of until I did some research online and saw that it is a cryptocurrency website. I have been in contact with the cryptocurrency fraud support, and they told me that it was definitely a fraudulent transaction, but PNC Bank is still not cooperating, and they keep denying my dispute knowing I have plenty of evidence that the transaction was not mine and is definitely fraudulent. I have evidence with screenshots and emails with the XXXX company, but PNC is not taking any of that into consideration. PNC keeps telling me they don't have enough evidence to reimburse the funds back and they supposedly have proof that the transaction was made by me, but they never showed me any proof. I made a new account due to my account being taken over and I also reported the transaction the following day, but the fraud department didn't think much of it and just thought that a dispute would solve the issue, but it didn't. I have been dealing with the account takeover and fraud department at PNC bank, but they have been no help at all and have not given me any details or updates on my dispute for 3-4 months. I even filed a police report to see what else they can do for my case. I have filed a complaint with PNC bank, but it seems like they don't take it as seriously, so I would like to do as much as possible to solve this problem.
Company Response:
State: AL
Zip: 35613
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I went to the PNC Bank at XXXX XXXX XXXX. I had a bad experience with a woman XXXX who was rude and who I ended up doing a survey on. I scored her low on everything because she didn't provide exceptional customer service. I got a survey two days later on the XXXX. On XXXX XXXX XXXXXXXX I got a call from someone who was the branch manager I am assuming because the number was from the branch I went to, which was not my normal one, and it was on a Saturday I got the call, and was already dealing with a death in my family, so when I seen the number pull up, I picked up the phone and yelled, " I don't want to talk about the survey I did on that XXXX XXXX at the branch '' and I hung up. Now all of a sudden on the XXXX my account gets closed for no reason at all and was unaware of the closure until today. I was XXXX the XXXX and XXXX and did not even use my card, but I filed my taxes after I received my paycheck on the XXXX, and put the direct deposit information in from my bank ( PNC ) since I had my account the last two years from when the previous company sold their bank to PNC ( I can't even remember the old bank ). But now all of a sudden it seems odd that my card was closed on the XXXX supposedly, but I used it on the XXXX, I used it for XXXX, my usual, the entire weekend, all the way up to the XXXX. Why did my card decline while I was trying to get gas today XX/XX/23??, and because of their unlawful practices, left me stranded for hours with a serious medical condition. I was unable to use my card at all today. So now I have a tax refund that will be sent back to the IRS, and having to stop payment on my pending paycheck -- all because I didn't want to talk about the woman who I scored low on a survey. This is RETALIATION and DISCRIMINATION, and the reason I was given was -- - '' The bank can choose to close my account for any reason '' but there was NOT a reason. I want to bank manager investigated, and I want to know why exactly my account was closed. To have to wait three days from the call that was placed to me about the survey, to try and find a lawful excuse -- which what happened was unlawful and poor moral ethics to even close my account because they didn't like how I complained on the survey is what my complaint is all about. I want that entire branch investigated, because they purposefully closed my account based on my comments and score on the survey from XXXX, that woman at that branch. When I left out, they were all standing around -- branch managers and all. One said have a good day, and I said hmmm and stormed out. I honestly was not happy at all about the woman clerk who waited on me. She always has an attitude it seems like she don't even like her job. She needs some training and coaching on how to provide good customer service at ALL times. I am the customer, and she should never ask me with an attitude " So what are we doing here? '' " So are you going to right your account number down ''? When they are supposed to do it if a customer doesn't have it readily available. She was just rude and I spoke on it, and someone didn't like it. I know this is retaliation and discrimination and I want it all to be investigated
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A