Date Received: 2019-12-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2019 I visited my local PNC bank to inquire why my checking account was continuously overdrawn, since I very seldom use the account. I use the account for direct deposit savings primarily. I spoke with Mr. XXXX XXXX, who printed out an account transaction detail report. He and I discovered that there were weekly unauthorized withdrawals of $ XXXX {$29.00} from XXXXl XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I immediately phoned these companies to stop payments. XXXX XXXX that they would refund my money and close the account. I was unable to contact XXXX XXXX, XXXX, ( just music playing-no answer ). I requested to close my account with PNC, but Mr. XXXX advised me against the closing until my money was reimbursed. He assured me that he would file disputes against these payments and I would be reimbursed. Needless to say, the very next week 2 more withdrawals from my account was made and PNC did not stop the payments even while they were in dispute. My account transaction detail report indicated that this has been occurring for over a year, totaling to well over {$2000.00}. Mr XXXX informed me on XX/XX/2019 that due to the number of times these unauthorized withdrawals were made, the bank will not reimburse my money, and they could no-longer assist me.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-29
Issue: Getting the loan
Subissue:
Consumer Complaint: I applied for a personal loan on XX/XX/2019 after being pre-approved through XXXX XXXX. I provided the requested documents ( 2 pay stubs, 2 bank statements, a voided check and I even provided an additional end of year pay stub for bonus verification ). I was unable to reach anyone ( I sat on hold for over 4 hours over the course of 2 days trying to reach someone ) after receiving an email that additional action was needed. Within 48 hours, my application was cancelled. I submitted an additional application ( by mistake because I was moving too fast ) on XX/XX/2019. This time, I spoke with a representative, answered the questions they had about my pay stub, and I provided additional documents they requested. Within 48 hours, that application was also cancelled. I made one final attempt because at this point, I just wanted to see if I could actually get through the process or see if it was a scam. I spoke with someone on XX/XX/2019 who asked the same questions regarding line items on the pay stub. I confirmed they had all the necessary documents ( 2 pay stubs dated within 30 days, a pay stub showing the bonus being paid out, 2 primary account statements, 1 secondary account statement, and the voided check. ) After not receiving notification that the loan was decisioned, I called on XX/XX/2019. I spoke with someone who said she went through my application " very carefully '' to make sure they had everything they needed. Within a half an hour, my application was declined for " Unable to verify employment ''. No reason outside of that could be provided when I called to speak with someone. When a lender has bank statements showing deposits from the employer, multiple pay stubs from the employer, and the availability to contact the employer by phone or through a 3rd party, I find it difficult to say they couldn't verify my employment. I feel the application was declined, not based on my employment itself, but because of the employer I work for ( a competitor who offers far better service than I've experienced here ). I feel their business practices are erroneous ( as I have read multiple reviews since my first application that state people are having the same or other similar experiences with this lender ). They refused provide a valid reason regarding the decline. For the application to be declined within 30 minutes of speaking with someone sounds like people don't want to do their due diligence. And to not have the verbiage to provide the consumer with an adequate explanation ( without providing underwriting criteria ) is absolutely an insult to any consumer. I am a standard W-2 employee with no self employed income or additional income from outside sources. Outside of pay stubs and bank statements, no additional documentation or verification should be necessary.
Company Response:
State: CA
Zip: 95407
Submitted Via: Web
Date Sent: 2019-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Re : PNC Mortgage Credit Dispute : Inaccurate {$40.00} delinquency reported from PNC Mortgage : Account Paid in Full, never closed, charges accrued, credits received, but delinquency reported and never closed or resolved properly from PNC. 2nd mortgage ( HELOC ) PNC Contacts : XX/XX/XXXX XXXX ( Escalations ) # XXXX XX/XX/XXXX XXXX ( Escalations ) # XXXX XX/XX/XXXX XXXX XXXX PNC XXXX Branch Manager ( XXXX , Ohio ) XX/XX/XXXX XXXX XXXX 1 ( Escalations ) XX/XX/XXXX XXXX Regional Mortgage Loan Dept - At least 3 other contacts/escalations/complains between XXXX XX/XX/XXXX. Mistakes can be references based on the credits received on my account after the conversations were complete. See attached bank statements. To Whom It May Concern : Im asking for PNC to consider removing the delinquency reported on XX/XX/XXXX as I believe a mistake was made with my Equity Line of Credit account and was not managed, reported, advised and/or resolved correctly through the many channels, including the escalations department & branch management, after multiple attempts at PNC. The account was paid in full, in XX/XX/XXXX, based on the account statement daily balance. I understood this payment to XXXX out my balance to {$0.00}. I was very proud of this moment as Ive paid this loan like clockwork for many years, as I do my many other PNC accounts, including my Business Accounts. Nonetheless, after each month of accruing balances, which turned into late fees, which then had more fees, I would call PNC to dispute these charges and each time, the representative, whether regional or from escalations/complaint department, sympathized in my situation and the nominal fees and charges were credited. Each time the representative understood my concerns and would fix, what I thought was the problem, my crediting or removing the fees, reducing my balance back to XXXX ( {$0.00} ) As these fees continued and as I thought each time, I was at a XXXX ( {$0.00} ) balance, I was not understanding that the fee continued and the account was still active, given the payments were all made and/or credited after inquiring with PNC. After multiple months of this, finally one individual within escalations was able to " officially '' close out my account and remove all payments and fees. In the meantime, a delinquency was reported for {$40.00}. Please see all supplemental exhibits showing my account statements with notes to help navigate the timeline and process. Please note, my family and I are lifelong customers of PNC ( formally with NCB ). My son, whom is now XXXX, opened an S is for Savings account this year. I also used PNC for my auto loan in XXXX. I have multiple other accounts, credit cards, business accounts and mortgages with PNC. I hope youll consider this loyalty and any other miscommunications with the subject account and realize having a delinquency, even at this nominal amount, has a major negative impact on my personal and business goals and does not reflect my dealings with PNC payments over the years, of which I keep a credit score around the 800s. Thank you for attention, consideration and immediate resolution with this matter.
Company Response:
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2019-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have a checking account with PNC bank for a long time. I noticed that this bank start charging a fee of {$3.00} as check images in statement fee on XX/XX/XXXX & XX/XX/XXXX. I never issued a check during these two months. This bank is harassing me for no reason. The customer service of this bank was very bad.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased a sandwich at a XXXX restaurant operated by XXXX on XX/XX/2019. The charge should have been {$7.00}, instead I was charged {$77.00}. I did not see this on the receipt I signed - I don't deny that it probably WAS there, but there was a line and I was trying to get out of it as fast as possible. I was verbally informed that the cost was {$7.00}. I attempted to resolve this directly with the bank when I discovered the error several days later. I filed a dispute for the difference. The dispute was denied in mid-XXXX. I called the bank and they told me that they did not contact the merchant at all. Their decision was that because the card was present the charge was not in error. Seriously? What is the point of a dispute process if the bank won't even do the bare minimum?
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My checking account was hacked after our bank info was stolen and this person conned the bank into crediting {$1000.00} in our account stating that he had deposited money via atm but it hadnt credited yet. So a provisional credit was given and before the bank could find the dispute to be false, this person transferred the money and XXXX it out of my account to a woman I do not know. I have been fighting PNC Bank since XX/XX/XXXX and they say I now owe them {$1000.00} and fees. I do not know how else to fight this.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I accessed my account on XX/XX/23 in the afternoon and noticed my account was overdrawn by {$120.00} # #, Upon noticing I planned on making a transfer from my savings account ( which had plenty to cover it ) after work and XXXX shopping. I made a cash deposit & savings transfer @ XXXX XXXX and my account was in the positive. My wife goes to use her card this morning and it declines, After checking the account. I was charged a {$36.00} overdraft fee even though my account was in the positive. I called Customer Service and they informed me due to a XXXX cutoff. It was due. they refused to issue the credit back due to inconsistency on terminology & " terms '' online.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2019-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I had purchases made on my account that I did not make. PNC Bank said that they would investigate once the payments posted. The charge was made on XX/XX/XXXX, and payments posted on XX/XX/XXXX. I called on XX/XX/XXXX to check the status of the investigation, and I was informed that no investigation was filed or started. I'm currently out {$1800.00}, and I've been informed that it may be up to 10 additional business days before any action/reimbursement will be filed.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-20
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Routinely get charged to the account with charges based on not having more than XXXX dollars monthly income
Company Response:
State: DC
Zip: 20017
Submitted Via: Web
Date Sent: 2019-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-20
Issue: Getting the loan
Subissue:
Consumer Complaint: I received a call from XXXX in XXXX, NY stating that they had received my online application and that I had been approved for a loan of {$5000.00}. ( I had applied for a few payday loans so am unsure as to which application this was. ) The installment loan appeared to be a reasonable rate and payment terms so I went forward with the loan. I originally spoke with a XXXX. She told me that in order to qualify for the loan, my 2 XXXX XXXX credit cards needed to be paid off so that it would raise my credit score. If that happened then I would qualify for a lawn up to {$10000.00}. I stated I only wanted XXXX and to move forward with that. She then stated that they would pay off the 2 credit cards, and I would have to go to XXXX and buy gift cards for the amount of the payoff of the credit cards, so basically to pay them back. One of the payments came through from PNC Bank to pay off the amount of the credit card balance. XXXX XXXX put a hold on the funds but PNC ( or whoever they are ) called the hold dept and got XXXX to release the funds. I was then instructed to go to target and purchase {$6000.00} in gift cards, which I did. PNC/XXXX then took the gift card numbers and pulled the funds from those to pay themselves back. The funds for the other credit card payment came into the account and then PNC/XXXX reversed the payment and my account was charged a {$25.00} return fee from XXXX. I then started dealing with a XXXX XXXX who told me the bank was XXXX XXXX XXXX XXXX. His number is XXXX. He then told me in order to fund the whole {$5000.00}, I would have to have both the credit cards paid down to XXXX again and do the gift cards at XXXX before they could fund the full {$5000.00} loan. They made 2 payments on XX/XX/2019 and again reversed one, which caused XXXX to charge my account another {$25.00}. XXXX put a hold on the other payment again as I told this XXXX guy they would and I would need proof from their end to prove to XXXX that the money was good. He refused to comply with that request and then threatened to cancel the transaction. He was only corresponding with me via text, and when call the different numbers, they answer the calls in different ways. I realize this is a complete scam so I wanted to play it through to see what they do. I have cancelled my 2 credit cards so at this point, they can no longer make or reverse payments from my accounts.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2019-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A