Date Received: 2018-04-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2018 I went to deposit cash into an atm that is located on XXXX XXXX in XXXX, PA. It was inside the lobby. The machine kept saying it could not accept the cash, and kept spitting it out. I have had multiple problems with PNC 's atms!! And this one in particular was even replaced, and the still have the same issues!!!!!!! I did not try a 3rd time because in the past the atm ate my debit card, and it was a MAJOR HASSEL TO GET IT BACK!! I called thier customer service, and they supposedly reported the issue and he refused to send me an EMAIL CONFIRMATION OF OUR TALK, AND HIS PROMOSE TO REPORT THE INCIDENT. That was very unprofessional also! So I literally have no proof that he even noted my account of the incident. However, this time I was smart, and took a photo of the atm, when it said it can not process the cash deposit. Now my account has 4 overdraft fees!! I want those reversed NOW.
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am submitting. New information regarding all charges disputed how I wasn't credited back the money or numerous fees you hit me with
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I deposited {$1000.00} into my checking account on XX/XX/XXXX, I then made a check payment for {$1100.00} on XX/XX/XXXX. My checking account reflects the {$1000.00} deposit CREDITED on XX/XX/XXXX which SHOULD HAVE COVERED the check, ALL SAME DAY XX/XX/XXXX. I called customer service on XX/XX/XXXX, they then said they refer to someone else. I spoke with a different customer service department XX/XX/XXXX. Bank states my account was overdrawn, which it was NOT as reflected on online banking DAILY balances. Bank is in error, the {$36.00} fee rightfully should be refunded. The deposited {$1000.00} would have covered everything ( in addition to current ending balance ) which again POSTED on XX/XX/XXXX. I have been with PNC for 30 years! You think alittle customer appreciation would of happened here. I should not have to be spending my time trying to rectify this situation.
Company Response:
State: PA
Zip: 16510
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a recent graduate of XXXX XXXX University with degrees in XXXX and XXXX XXXX. Upon looking for a job, I submitted my resume to XXXX. Approximately three months later I received a legitimate email including a questionnaire inquiring about the type of work environment I would be looking for and my target salary. Less than a week after this legitimate email ( ending inXXXX ) I received an email from someone posing as a " XXXX XXXX XXXX '' who I researched to be the director of HR at XXXX. She held a " soft interview '' on XXXX hangouts with me - asking similar questions to the questionnaire I had received prior. Then I was asked to scan my signature on the " acceptance of employment '' letter and email it back to her. The job was to start in two weeks from the false notification of employment in XXXX XXXX, Va, where an actual branch of XXXX is located. The next day " she '' sent me a " start-up check '' for {$1800.00} to purchase scheduling software that would go on my " work computer. '' The software was called " XXXX '' and " XXXX '' which she said could only be purchased through XXXX. I researched the software and the cost matched with the amount of money I was sent via check. The check deposited into my account ( for the full amount ) so I had no reason to doubt the legitimacy of the job offer. I purchased XXXX credit with the money I was sent and emailed the information to the person who instructed me to do so. I was told this credit would be used to put the software on my work computer. This check cleared on a Wednesday. After I purchased the software credit, I sent it to them and the check bounced on that Friday - leaving my account at - {$1800.00}. This is when I realized the job offer was a phishing scam. Because the check deposited to my account and I was given access to the full amount of funds in 24 hours, I blame PNC Bank for allowing a fraudulent check to be deposited in my account before it cleared. If they had done their job : the service of validating and safeguarding financial assets, this issue would never have occurred.
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX {$620.00} was taken out of my checking account by PNC, bank and transferred to another checking account that is owned by my father. I was given no notification that this money would be taken out of my account, and it was all the money that I had in my account. I have my car payment that is supposed to come out of my account today which I was unable to pay, and I couldn't even afford to put gas in my car to go work and had to call out. Allegedly, my father 's account is negative and he is a joint owner on my account, and that is why they took the money out of my account. My father has been XXXX since XX/XX/XXXX, and has had no cash flow going in or out of his account so I am unsure how a transaction could even be posted on his account to cause it to become negative. I do not have access to my fathers account, and would not have known it was negative. I was told a " XXXX '' charge came out of his account and I was advised to take the issue up with XXXX. However, my name is not on my father 's XXXX account so they will not talk with me and XXXX is not the company who has taken money out of my account, PNC is. When I questioned why I was not even given notification I was told, " we don't have to notify you, it's our right to set off the account. '' I am extremely displeased with this transaction and will be terminating services with PNC, bank as soon as humanly possible.
Company Response:
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: PNC Mortgage told me that since I was paying off my debt in full XX/XX/XXXX that we had an agreement. I checked my credit report and they have reported me as late which has caused my credit score to plummet AND CAUSE ME TO LOOSE ON BUYING A NEW HOME. I am going to be homeless now because PNC refused to remove the negative remarks off of my credit report by the time I was due to get a new mortgage.
Company Response:
State: PA
Zip: 15102
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Back in the late XX/XX/XXXX it was recommended that I open a self-directed Roth IRA account with XXXX XXXX. The bank set-up a bank account that was linked to a brokerage account with XXXX XXXX XXXX. It was suggested Roth contributions could be made at the bank level and security purchases made through XXXX XXXX. When purchases at XXXX XXXX were made, the bank would send the monies to XXXX XXXX to pay for the trades. Back in early XX/XX/XXXX I was notified in writing by XXXX XXXX that their company was being sold to another broker-dealer. They gave me the option of moving my account to the new broker-dealer or transferring my account elsewhere without incurring any fees. I elected to transfer the Roth IRA to a Roth IRA I already had established with The XXXX XXXX. On XX/XX/XXXX I contacted XXXX and completed a Roth IRA transfer form and submitted it to XXXX. On XX/XX/XXXX I received an email from XXXX that XXXX XXXX had rejected the transfer request as being not in good order. After numerous phone calls to XXXX and XXXX XXXX, it was determined that the problem was that XXXX XXXX had made themselves the Trustee on my Roth IRA. I was told that in order to facilitate the transfer, that an officer of the bank had to sign off on the transfer request form. Unfortunately, XXXX XXXX was taken over by PNC Bank many years ago. After making numerous phone calls to PNC Bank, I eventually came in contact with XXXX XXXX from PNC in early XX/XX/XXXX who said she could help and would get back with me shortly. Unfortunately her call never came. On XX/XX/XXXX I again contacted PNC Bank. This time I spoke with XXXX XXXX. He checked my records and found that XXXX XXXX did not do anything with my initial request. He promised that he would send my request to the escalations department and that someone would get back with me. Again, that call from PNC Bank escalations department never came. On XX/XX/XXXX I again contacted PNC Bank and was transferred to a supervisor from the Escalations Department named XXXX XXXX. I again explained the issue. She asked that I send her a copy of my XXXX XXXX statement which I did via email on XX/XX/XXXX. I also included a XXXX transfer request form for the bank to sign-off on as requested by XXXX. XXXX XXXX informed me that she was sending my request to the PNC Bank legal department. On XX/XX/XXXX I sent a follow-up email to XXXX XXXX who responded that the legal department was still working on my request. Several additional weeks passed before I received a phone call from XXXX XXXX from PNC Bank on XX/XX/XXXX. He identified himself as a subordinate of supervisor XXXX XXXX. He indicated that he had been working on my issue for a few days. After speaking with XXXX XXXX, it was very apparent to me that he didn't know much about my issue after all. The one thing he did tell me was that the bank account that I had set-up as my Roth IRA had been closed for many years. I asked him who authorized the account to be closed as it was not me. He couldn't answer that question. I've since sent a follow-up email to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and have not had the courtesy of a response. In the meantime, I have an account that I can not do anything with as it is apparently owned by XXXX XXXX and PNC Bank has done absolutely nothing to work through this to bring about a resolution. I've given them over two months to resolve this problem and have had no success. Please help me. The sense of urgency is that XXXX XXXX will no longer be in business in the near future. I've included several attachments for your review. Thank you! XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: After filing a CFPB complaint [ complaint # XXXX ] during XX/XX/2018, I received one " PNC Bank Official Check '' in the amount of {$77.00} and two " PNC cashier 's checks '' in the amounts of {$480.00} and {$30.00}. Unfortunately, I have been very ill and have been at 2 different hospitals for medical treatment over the last 4 weeks. However, I tried to cash these 3 checks at the PNC XXXX XXXX branch on Saturday, XX/XX/XXXX. The branch manager would not authorize these checks to be cashed because she said " she had to guarantee the funds were available by calling someone at corporate. '' She said " the individual ( s ) I need to call will not be available until Monday morning. Please come back to the branch at that time. I am going to keep these checks because I can not return them to you. '' Now, why the branch manager felt the need to keep the checks did not sit well with me and that was made very clear. I used to work at a bank and I know that among the purposes of a cashier 's check is to set funds aside to ensure guaranteed and prompt payment to the check recipient. So, again- why the branch manager felt behooved to take possession of the check is absurd and why it is taking so much work to cash their own company-issued cashier 's check is beyond my comprehension at this point. Upon going to the branch this Monday morning at XXXX XXXX, the branch manager has still not resolved the matter. She asked for me to return to the branch at XXXX XXXX to let me know the status at that time. I departed from the bank and called the XXXX number denoted on paperwork and spoke with a customer service representative named XXXX. After explaining the situation to XXXX, she recommended I ask the branch manager, XXXX XXXX, to provide me the regional manager 's phone number. I will make that request & call but I feel compelled to file another complaint regarding this outrageous situation. These funds are proof of payment that the bank recognized that closing my checking account was wrong but what is worse is the amount of time and money ( XXXX & bus fare ) to resolve this " resolved '' issue. Thank you in advance for your assistance!
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hello, On XX/XX/XXXX or XX/XX/XXXX I visited my local PNC Branch at XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX in order to close my account. I do not know the specific date as I receive no official documentation about my account closure. During this transaction, the teller verified my information, took my debit card, and informed me that my accounts are closed. It turns out that behind my back, they only closed 2 out of 3 accounts I had with them. My main checking account remained open. I learned this fact because throughout XXXX transactions were still hitting that account and PNC has been charging me Over Draft fees for each instance this happened. I was always quick to remedy these charges. The most recent overdraft fee was a result of a transaction on XX/XX/XXXX for {$91.00} and one on XX/XX/XXXX for {$20.00}. The first resulted in a balance of - {$89.00} Since I assumed the account was absolutely closed, I did not monitor the online account on a daily basis, and I received an email towards the evening when I was not able to make it to a PNC bank to rectify the situation in person and did not even have a debit card to do so at an ATM. I ran through my options to try to fix the account and decided to do a direct money transfer from my new account to the PNC account. The first transfer was initiated on XX/XX/XXXX for an amount of {$89.00} to bring it back to XXXX. The next day the {$20.00} transaction hit my old account and I immediately initiated a transfer for the amount on XX/XX/XXXX. Therefore *I had transferred the funds the, same day they hit the PNC account*. The funds ended up posting on XX/XX/XXXX and XX/XX/XXXX, resulting in 2 {$36.00} overdraft fees. I talked to a woman named XXXX from the Escalated Fee Department and her subordinate and they were not able to understand my situation and were not able to reverse the overdraft fees. I am feeling like I basically got defrauded when my account was not closed. After 8 years with PNC, I see how they really treat their customers. My argument is the following : 1 ) PNC did NOT close my account when I asked them to close my account -- they took my debit card and cut it up, but did not close the account when it was zereoed out. 2 ) This lead to me assuming that the account was closed. I had a reasonable expectation that transactions would simply be declined because the account is not open anymore. 3 ) Though they didn't close my account, I still made the account whole when necessary 4 ) When I realized that the transactions in question occurred, I initiated the transfer from my new Bank ( XXXX XXXX ) assuming it would get there in time to cover the transactions 5 ) I did my due diligence while PNC Bank simply lied when they told me my account was closed
Company Response:
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX - Using my PNC online account, I made an early payment towards my XX/XX/XXXX mortgage loan payment in the amount of {$300.00}. On XX/XX/XXXX - PNC, using the auto-payment system, took the full amount of my XX/XX/XXXX mortgage payment even though the {$300.00} paid on XX/XX/XXXX had been credited to my mortgage. On XX/XX/XXXX - I called XXXX concerned about the {$300.00} over payment taken by PNC. I was told by XXXX XXXX that there was a glitch in the new payment system and that they were working to resolve it. She said many customers were calling with complaints and PNC was working hard to resolve the problems. I gave my information and was told my {$300.00} would be returned to my checking in 3 to 5 business days. On XX/XX/XXXX - I called PNC again because my {$300.00} had not been credited back to my checking account. I spoke with XXXX. I was told by XXXX that my {$300.00} would be processed back into my checking no later than XX/XX/XXXX. On XX/XX/XXXX I called again because I still had not received my {$300.00}. I spoke with XXXX who told me that he sees a record where a request by me had been processed, but it would take up to 30 days to be reviewed for the return of my {$300.00} over payment.
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A