Date Received: 2018-02-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: PNC bank has sold my signature i suspect because i traced down some numbers on a returned check to a financial institution in XXXX, strangly enough on another returned check i have from somewhere else i found the numbers in the lower right corner also that traced down to a XXXX corporation,,,,,,,,, so why is PNC bank asking me for or claiming i owe them something when they sold the original instrument of indebtedness and made plenty of profits, and why cant they produce the original instrument with wet ink signature, why is it a secret what they do with these signatures, look up the number XXXX and tell me what you find, im gettiing to the bottom of this fraud
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
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: XXXX XXXX error caused charge for XXXX to be deducted from my bank account. PNC Bank charged me {$420.00} worth of overdraft charges as a result. I contacted XXXX and they agreed to refund the {$110.00} to my bank account. I brought XXXX confirmation email to branch in XXXX XXXX FL and Manager refused to refund the overdraft charges. I am currently unemployed trying to make it on a {$1000.00} a month alimony check. Having {$420.00} go out the door for a charge that was an error is unacceptable. Please assist
Company Response:
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The debt is in amount {$840.00} that I did not personally use or have the access to this account. The date that it was field for XX/XX/18 to XXXX XXXX XXXX. My mother has a joint account that was being used at PNC and has made arrangement to pay the above balance of {$840.00} in monthly payment. I wasn't aware that the above balance was due until I was called repeated times from someone from XXXX XXXX XXXX to get a debt that wasn't mine.
Company Response:
State: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: PNC Checking and PNC Core Visa for Overdraft Protection are running online scams. Just recently, the checking account {$400.00} Friday transfer began pushing into Tues or Weds of the next week. This in turn may afford you to think you had more money on the weekend, then an auto Billpay or something comes through causing havoc for a few days until realizing they are holding transfer money for too long and loss of interest income on the transfer for up to 5 days. Given local transfer, it should be there in one day. I have documentation on this. PNC Core Visa is entirely set up online ( and the application has some hefty deceptions ), including : 1 ) use this card for cash advance, pay it off, but PNC keeps the running Balance Subject to Interest rate after paid off and charges a " Minimum Interest Charge '' 2 ) Use it for Purchases at the same time, then try to Payoff the Purchase Balance, and they make you pay off the 0 % Promotional Balance first. 3 ) Lastly, they do not allow online dispute and do not answer mailed disputes. ( Then you have to pay the higher rate of interest, because maybe you cant pay off both types of balances ... ) This is very deceptive and in the small writing Im sure. Thank you,
Company Response:
State: KY
Zip: 40205
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or around XX/XX/XXXX, my checking account had a negative balance of - {$2300.00} pending the withdrawal of {$3700.00}. I called the bank and spoke to a representative. I was told that Social Security would be debiting my account in the amount of {$3700.00}, because my husband had passed. I informed the representative that Social Security had nothing to do with that deposit. In turn, I let her know that the deposit was from the Veterans Administration and not Social Security, and that my husband was entitled to the funds that had been deposited. The call ended. Afterwards, I called the Veterans Administration and let them know what I was told by the bank. At that time a representative of the VA told me that my husband was entitled to the deposit that had been made just as I stated. On or around XX/XX/XXXX, my checking account continued to have a negative balance of - {$2300.00} with a pending withdrawal of {$3700.00}. I once again called the BANK and spoke to another representative. She stated that it was not the Social Security Administration that would be debiting my account, that it would be the Treasury Department. At that time, I ended the call. On XX/XX/XXXX, my checking account had a negative balance of - {$2300.00} with a pending withdrawal of {$3700.00}, so I visited the Banking Branch. I spoke to the representative at the front desk and told her what had transpired. She stated that she was contacting the back-end department that had placed the hold on my account. She informed me that the negative balance of - {$2300.00} was correct and that the Treasury Department would be debiting the account in the amount of {$3700.00}, once I made a deposit in the amount of {$2300.00} to cover the debt. At that time, I told her that it made no sense and I left the bank. Later that day I called the U.S. Treasury Department and spoke to an agent. I let her know what was going on with my account at the bank and she told me that as of XX/XX/XXXX, there had not been a non-entitlement issued and that the Bank was illegally withholding my funds. She stated that I could have the bank call her, and she or anyone else who answered the phone could let the bank know as well. I called the bank and spoke to a representative once again letting him know what had transpired with the bank and what I had found out at the Treasury Department. He told me that he would place me on hold, however, we were disconnected. Immediately, I called back and once again letting them know what I was told by the Veterans Administration and the US Treasury Department. At that time the representative stated that she would be handing me over to the department that was responsible for the hold on the account. I spoke to a representative in the Retail Escalation Department and she stated that it was not the US Treasury that would be debiting my account but rather the Banks Treasury Funds Transfer Department. She also stated that it didnt matter that there had not been a non-entitlement issued to the bank. She stated that it was the law that the bank return the funds when a person dies, and money is deposited into their account per the Banks Treasury Funds Transfer Department. On XX/XX/XXXX, there was no longer a pending withdrawal on my checking account in the amount of {$3700.00} but, there was a pending miscellaneous withdrawal in the amount of {$1300.00} which was the balance on the last statement that I received from the bank for the period XX/XX/XXXX to XX/XX/XXXX. Leaving my account with a {$0.00} balance, I tried to do a stop payment or dispute the transaction, however there was not a " stop payment type '' listed for the withdrawal nor was there a withdrawal listed when I tried to dispute it. Subsequently, I have not received any correspondence from the Bank concerning the aforementioned pending withdrawal of {$3700.00} from the Banks Treasury Department nor the Reclaim withdrawal. I only knew of the pending transactions while checking my online banking status. Granted that the online Consent Form covers all of my accounts, products and services with the Bank, National Association, and its affiliates, that are accessible, either currently or in the future, through Online Banking or their websites. But it also states that certain laws and regulations requires the bank to deliver specific information to me in writing, which means delivery of the information on paper, I believe that this is a time when I should have been notified in writing on paper. I am formally disputing the previously pending withdrawal of {$3700.00} from the Banks Treasury Department and the Reclaim withdrawal that posted on XX/XX/XXXX. I would like to know who is correct as far as my account is concerned, the U.S. Treasury Department whose representative told me that there had not been a non-entitlement issued and that the Bank was illegally withholding my funds. Or, the banks Treasury Funds Transfer Department whose representative told me that it was the law that my husbands VA funds be returned to a non-specified agency since he died. And, I would also like to know who has reclaimed my funds of {$1300.00} that was withdrawn by the bank. Sincerely,
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2018-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: PNC Bank XXXX XXXX XXXX XXXX XXXX Kentucky XXXX. I received a letter from PNC Bank dated XX/XX/2018 advising me PNC Bank will be closing my personal and business accounts XX/XX/2018. I called the number on the letter XXXX to find out the reason several times and they would only tell me it is their right to close any account they want at any time. One representative hanged up on me after I ask her to let me talk with the manager. I am permanent disable and live on a fix income below the 1 % poverty level and need to have a checking account to pay my bills with checks or debit card. Primary account number : XXXX, XXXX, XXXX & XXXX
Company Response:
State: NJ
Zip: 08104
Submitted Via: Web
Date Sent: 2018-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: PNC Bank Check for the amount of {$670.00} presented on XX/XX/XXXX and insufficient funds fee {$36.00} on XX/XX/XXXX. First Issue : Check cashed the same day at another bank. PNC sped up the process to charge the customer overdraft fee. This was a traditional check presented to XXXX XXXX. The normal process takes one day via this transaction route from one bank to another bank. This check was not presented via a teller nor was this via a mobile banking resources. Second Issue : I receive my payroll direct deposit on XX/XX/XXXX and is visible in my account at XXXX XXXX on XX/XX/XXXX and available balance and ledger balance reflect the deposit but hours later PNC on XX/XX/XXXX will subtract/adjust the available and ledger balance by deducting a overdraft fee even though they recognized the deposit and acknowledged its existence in my account the day before.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The bank closed my accounts, they sent a letter asking me to call to find out why. I called and spoke to some very rude girls who refused to give me any info and said I had to call the branch. I called the branch and was told by the manager he had no information why it was done and said I had to call back the number on the paperwork. I do so and was again treated extremely rudely. I was coerced to dispute a transaction that was valid causing my fraud claim to be denied. the transaction was done before the card got lost but posted after. No one I spoke to seemed to understand this.
Company Response:
State: MI
Zip: 49508
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have a smart access checking account with PNC BANK. There was fraud committed on my account. I noticed unauthorized charges on my account. I called and spoke with a PNC agent and we deactivated my debit card and a new one was issued. I received my new card XX/XX/ and activated it. Today XX/XX/ I find out that PNC BANK closed my smart access account. I did not authorized PNC to close my account. I was not even notified by PNC that they closed my account. I had a direct deposit that went through to my account XX/XX/. I went to check my account balance and found out the account was closed. I spoke with a PNC agent named XXXX ( XXXX ) and he was very rude and didn't offer me and insight as to why the account was closed. I cant help but feel PNC BANK is penalizing me for my account being compromised. Now the direct deposit I was expecting is in limbo and I have no money to be able to get through the week. PNC is costing me my job. I needed that money to get bank and forth to work as well as other necessities. PNC bank has cost me more than they will ever know!
Company Response:
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: At a local restaurant I was overchrarged in the past and have won dispute. I was recently in same place and took picture of check. It appeared in bank avcount as higher total. The bartender is cheating customers. Thanks for your time and consideration.
Company Response:
State: PA
Zip: 19426
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A