Date Received: 2020-03-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ive had a consumer credit card with PNC bank for over 10 years. Ive always paid the card on time. It was previously a National City Bank Card prior to the PNC Bank purchasing National City. Over a year ago, I set up an automatic payment on the PNC system. Ive done this for all my credit cards so that I would never miss a payment. On XX/XX/2020, PNC bank for unknown reasons and without notification stopped the automatic payment. They also locked me out of my online account and used an errant phone number for a two step verification that I couldnt navigate because the number is incorrect ( ending in XXXX ). I contend this is the first of many bank errors. On XX/XX/XXXX, I was contacted by PNC bank at my correct number ( ending in XXXX ) to tell me my payment was late ( PNC had my correct number in their system ). I immediately payed the remaining balance and asked if this had been reported to the credit agencies. At first they refused to tell me it had been reported but upon escalation, I was told it had been reported. I stated that this is an error and requested they remove the damaging information from my credit report. ( This is the only late pay on my entire credit report that goes back 7 years and its extremely damaging to me personally and to my family financially ). Further, PNC admits they did not notify me either in writing or by phone that my auto payment had been ended or that my payment had been missed until after the issue was reported to a credit bureau. I immediately filed a complaint with XXXX. Ive met with a local PNC Branch Manager for a call with XXXX XXXX, who claimed to be my PNC advocate in this situation. He, thus far, has refused to admit the bank was in error, even though he admitted they had the wrong number for me in their mobile banking but had the correct number for me in my customer profile. Further, I requested the error logs and management of change documentation on their auto-pay system to determine if an error was possible in shutting off the auto-pay in XXXX. ( All of my other credit cards have auto pay set indefinitely ). PNC has refused to supply me with this information and said that I would have to subpoena the information. Ive asked for his boss to call me and also requested a meeting with the regional bank manager. PNC has a vested interest to not admit any error even though there is clearly one error and a number of system and system induced errors. I had hoped PNC would have corrected this mistake and I could have avoided filing a complaint, as I am now forced to do. I ask that PNC either remove the damaging information from my credit report or do not contest my complaints with any of the credit agencies they reported this incorrect information. I also ask from assistance from the CFPB in resolving this situation.
Company Response:
State: OH
Zip: 43035
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I called PNC bank to close my checking, reserve, and savings account. The person I spoke to claimed that they could close my reserve and savings account but not my checking as there was a payment pending. They told me to call back once it had processed and I could close my account. I called again on the XXXX to be told that it still hadn't cleared and they could still not close my checking account. After double checking that there were no more pending transactions, I called on the XXXX and asked to close my checking account again. PNC told me that they could do that and we went through the process of closing my account, after which they confirmed that they would mail me a check for the remaining balance. I said that was fine and was under the belief that my checking account with them was officially closed. Days later, on XX/XX/XXXX, I received letters from PNC dated from XXXX XXXX that they had not closed my checking account despite asking and saying that I had wanted more time before closing it, which was a lie. I immediately called PNC and they claim that I said I did not want to close the account, despite having been assured that it was previously closed. Because they did not close my account, a random charge went through today ( XX/XX/XXXX ) and therefor my account was in the negative. They then claimed that they could not close my account with pending transactions and that I would accrue fees due to their oversight. I confirmed with them that when I called on the XXXX my account was in good standing and that even if it took XXXX hours to close the account that there were no outstanding pending transactions during this period so it should have been closed. While trying to fix this issue and speak with a manager, the PNC representative I was on the line with hung up on me. This lead me to go into my local branch and speak to the branch manager XXXX XXXX who claimed she also had no authority to close my account and that she would escalate a claim with their consumer relations department. I called PNC back again to attempt to close my account and they claimed they would try to rectify the situation but did not call me back at the end of the business day. At this point, my account will accrue continual overdraft fees due to PNCs error and refusal to close this account and all I want is this to be fixed. I would rather deal with collections than deal with the runaround from PNC for another second.
Company Response:
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Saturday XX/XX/XXXX XXXX I attempt to cash a a check ( {$320.00} ) from second job into my pnc acct from a pnc ATM, the employer banks with PNC also. No success with cashing/depositing check into account the ATM ask if I would like to deposit. No express funds option or letting me know when funds will be available. Ill usually use express funds or cashing just for ease, in the past I would be given the option to how I would like to deposit. this time I wasn't which is my issue. Same day - Call pnc, have a rep hang up on me while lying to transfer to manager. Call back to be denied by another manager. Was told my funds wont be available til Tuesday and there's nothing I can do. Call another department and was given more poor customer service. they seem to see the issue but don't care to fix it. if the kiosk wont offer express funds like they typically do let the consumer know they will be waiting 80+ hours for their funds. I put a complaint to have this process looked after, im not sure if they received this. Monday XX/XX/XXXX XXXX Call pnc, Have rep say on telephone she would check for availability of {$100.00}. Withing the next sentence due to her unprofessionalism she tells me she wont do nothing for me today not even check. I asked her did she just say she would check about getting some of the funds available today. She wouldn't answer because she know she did. That call ref Number is ( XXXX ) Called another rep after and he actually went through with the check of available funds and told me none would be available due to the fact I used a pnc ATM. This makes no sense to me as to why im in trouble for using their atm.
Company Response:
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened PNC Bank accounts because I was attracted to their advertising about a promotion - transferring in new money, set up direct deposit, and other requirements, then consumers will receive {$500.00} bonus. I fulfilled all the requirements, transferred in $ XXXX, set up $ XXXX monthly direct deposit. PNC Bank rejected to give me the {$500.00} bonus, despite the fact I spent hours on communicating with their customer service. I learned that other consumers had the same experience. Some of them received the bonus after contacting PNC 's customer service. That did not work for me. The whole customer service, and advertising department, have not met the industry standard.
Company Response:
State: CA
Zip: 94061
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We paid our monthly mortgage to PNC via check. We erroneously wrote the XXXX check for XXXX. PNC cashed the check, sent us a letter notifying us of the shortfall and then charged a {$190.00} late penalty although we provided the shortfall within days of notification of the error.
Company Response:
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I was informed that in order to close my account I must have a {$0.00} balance. On XX/XX/XXXX, I transferred out my account balance of {$5100.00} as the first step in closing my account. Immediately after my account balance was brought to {$0.00} I was charged a {$25.00} " Service charge '' on the account due to having a {$0.00} balance. I received notice that the fund transfer was completed on XX/XX/XXXX and immediately contacted PNC Bank via secure message requesting to close the account. I was informed that it was now not possible to close the account that there was negative balance on the account as a result of being charge the " Service Charge '' by PNC. On XX/XX/XXXX, I again requested PNC to refund the service charge as it was documented that the XXXX balance was a result of taking the steps to close the account but I was never given the opportunity to close the account for the instant the account had a {$0.00} balance the service charge was applied to my account making it impossible for myself or any consumer to close an account without being charged a {$25.00} fee for having a {$0.00} balance. This is predatory trap by PNC
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened an dispute with PNC bank regarding charges from an account that was unauthorized and PNC reversed the fees claiming it was valid and it was not. I was charged on XX/XX/XXXX and the card ending in XXXX was a card that was suppose to be closed and PNC said the cancelled my card and no other charges will be taken from that card. on XX/XX/XXXX I noticed other charges was still coming out of this card including a charge of {$52.00}, {$250.00} from XXXX. PNC is allowing fraudulent companies to debit my account, I want my {$210.00} reversed and put back into my account.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I established a PNC account in XXXX to use as a local account since my normal bank does not have a presence where I live. This account was subsequently transitioned over to a new account in XXXX when they got rid of all of the " grandfather '' accounts. This new account is different that the account I had originally signed up for and now comes with expanded fees of {$15.00} per month unless certain balances are maintained. Since this account for me was a secondary account to my account with an existing bank I was never able to maintain the balance requirements and have been charged the additional fees as a result. Additionally, I established a student account for a family member that tied to my existing account in early XXXX. This account is for a XXXX year old and the link allows me to easily transfer money to his account when needed. Recently, he deposited his pay check at a PNC atm and was charged a fee for using their express funds option. I understand that he was told there would be a fee to do this via a pop up at the atm, however the fact that he is new to banking coupled with his age/inexperience with life means that he is a prime target for these fees and di n't fully understand. Furthermore, he withdrew money from an atm later that week and was charged again since it was not a PNC atm. Again, there were notices provided about the fees. To me, the fact that it was a student account should have informed the PNC that they were dealing with someone that is new to banking. In total, he had more than {$13.00} in fees for these transactions, however when I checked with the bank there is no way to prevent these options from being available to a student account. The express funds option should not be available to a student account or should be able to be deactivated if requested. Many more students, who do not realize that some funds from a deposit are available after completing the transaction will also fall prey to this type of predatory banking.
Company Response:
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On my PNC Bank Home Equity Line of Credit Account Statement ending on XX/XX/2019, PNC incorrectly calculated my account balance by {$220.00} & has not corrected in in last two month statement even after I talked to them in early XXXX concerning this issue. My XX/XX/2019 balance was {$81000.00} & my XX/XX/2019 statement shows principal as {$210.00} with no other charges than interests but my loan balance went " UP '' to {$81000.00}. I demand to know why this happen & if this happen to other PNC customers. As I stated earlier my present statements still reflect the incorrect thief by PNC of {$220.00} plus any interest I being charged on this bogus thief.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went to put money into my account at a PNC ATM on XXXX XXXX, XXXX, MD. Immediately after receiving my cash the machine went " out of service '', kept my money and gave me no receipt. I immediately called the Customer Service desk and they showed no record of my deposit. I went to the bank first thing the next morning and all both of these could say is they will put in a complaint and investigate and it will take 2-4 weeks. I am a senior citizen and I don't have {$600.00} to sit and wait. Can't they look at film or have the company that services their machines check to see if there is a {$600.00} overage? No one at this bank seemed to care that I've lost my money and I don't know where to go.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A