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A PNC business banking client reports that 3-D Secure verification repeatedly routes codes to an unrecognized phone number and PNC support was unable to locate or resolve the incorrect number.

Source: Autobound Signal API · 92 signals tracked for PNC · updated

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What happened

Post: "PNC Visa Secure keeps sending verification code to phone number that is not mine"

Source

RedditAug 28, 2026By u/j_breezy_

r/Banking

PNC Visa Secure keeps sending verification code to phone number that is not mine

upvotes
1
comments
4

Post

Highlighted: the lines this signal was extracted from

I have a PNC business Visa debit card, and whenever a website triggers Visa Secure/3-D Secure verification, it wants to send the code to a phone number that I have never used and do not recognize. My correct number is on my PNC account. PNC confirmed the number is not anywhere on my account. They sent me to Visa, and Visa sent me straight back to PNC saying the issuing bank controls Visa Secure. It has now happened on multiple unrelated websites, so it is definitely tied to the card/authentication system rather than one merchant. Has anyone dealt with this with PNC or another bank? Did you ever figure out where the wrong number was coming from or what department actually fixed it? TIA

reddit.com/r/Banking/comments/1w0bez5/pnc_visa_secure_keeps_sending_v...Read the full source

Comments on the post

2 of 4 comments
  • “If it ends in 1212, your number probably isn't setup for PNC Visa Secure. May need to be added manually by PNC. If escalating hasn't worked, try the fraud dept. Alternatively, stopping in a branch and talking with a banker. Also, being it's a business account, may involve other steps that can't be done through online self-service.”

    u/ronreadingpa3 points · Aug 28, 2026View

  • “Honestly get away from PNC! I had an auto loan with PNC and somehow an unknown phone number was added to my account and was VERIFIED to receive 2FA access codes for 7 months! *there was a 7 month title delay on my car. (Related? Probably) I talked to their fraud department and the representative said “this is account takeover” (ATO) and asked me to verify my location?? Then I was told by an”

    u/heywhatsup34001 points · Aug 28, 2026View

Extracted by Autobound

From the Signal API record
Signal
Customer feedback

What this signalsUser posts often show product pain before it reaches reviews or churn.

Subreddit
r/Banking

Companies

  • VisaAlso named

The full record

From the Signal API record

Numbers

Mentions
1

Details

Timing
Ongoing state
Category
Security
Virality
Very low
Post kind
Text
Prominence
Core
Company's role
Vendor

Topics and mentions

Topics

  • security
  • authentication
  • business banking
  • support

Flair

  • Advice

Products named

  • PNC business Visa debit card

Extraction

Sentiment
Negative
Detected
Aug 28, 2026
signal_type
reddit-company
signal_subtype
customerFeedback

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The API returns more than this page shows

This page shows a preview. The full reddit-company record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.

Company

  • linkedin_urlValue in the API
  • industriesValue in the API
  • employee_count_lowValue in the API
  • employee_count_highValue in the API
  • revenueValue in the API
  • descriptionValue in the API

Signal

  • signal_nameValue in the API
  • associationValue in the API
Show the full JSONThe record on this page and the API request

GET /v1/signals/ede8137e-79b3-575d-a4b1-a82982629a7b returns this record as JSON. POST /v1/companies/enrich returns every signal for pnc.com.

{
  "signal_id": "ede8137e-79b3-575d-a4b1-a82982629a7b",
  "signal_type": "reddit-company",
  "signal_subtype": "customerFeedback",
  "detected_at": "2026-08-28T00:25:17+00:00",
  "company": {
    "name": "PNC",
    "domain": "pnc.com"
  },
  "data": {
    "nsfw": false,
    "stage": "none",
    "awards": 0,
    "timing": "ongoing_state",
    "topics": [
      "security",
      "authentication",
      "support",
      "business banking"
    ],
    "post_id": "1w0bez5",
    "summary": "A PNC business banking client reports that 3-D Secure verification repeatedly routes codes to an unrecognized phone number and PNC support was unable to locate or resolve the incorrect number.",
    "category": "security",
    "comments": [
      {
        "url": "https://www.reddit.com/r/Banking/comments/1w0bez5/comment/p6f0fr1/",
        "depth": 0,
        "score": 3,
        "author": "ronreadingpa",
        "excerpt": "If it ends in 1212, your number probably isn't setup for PNC Visa Secure. May need to be added manually by PNC. If escalating hasn't worked, try the fraud dept. Alternatively, stopping in a branch and talking with a banker. Also, being it's a business account, may involve other steps that can't be done through online self-service.",
        "posted_at": "2026-08-28T13:43:42.000Z",
        "author_url": "https://www.reddit.com/user/ronreadingpa/"
      },
      {
        "url": "https://www.reddit.com/r/Banking/comments/1w0bez5/comment/p6fsgov/",
        "depth": 0,
        "score": 1,
        "author": "heywhatsup3400",
        "excerpt": "Honestly get away from PNC!\n\n I had an auto loan with PNC and somehow an unknown phone number was added to my account and was VERIFIED to receive 2FA access codes for 7 months!\n\n *there was a 7 month title delay on my car.\n(Related? Probably)\n\n I talked to their fraud department and the representative said “this is account takeover” (ATO) and asked me to verify my location?? Then I was told by an",
        "posted_at": "2026-08-28T15:49:19.000Z",
        "author_url": "https://www.reddit.com/user/heywhatsup3400/"
      }
    ],
    "evidence": [
      "[post] I have a PNC business Visa debit card, and whenever a website triggers Visa Secure/3-D Secure verification, it wants to send the code to a phone number that I have never used and do not recognize.",
      "[post] My correct number is on my PNC account. PNC confirmed the number is not anywhere on my account. They sent me to Visa, and Visa sent me straight back to PNC saying the issuing bank controls Visa Secure."
    ],
    "virality": "very_low",
    "post_date": "2026-08-28T00:25:17.000Z",
    "post_kind": "text",
    "post_text": "I have a PNC business Visa debit card, and whenever a website triggers Visa Secure/3-D Secure verification, it wants to send the code to a phone number that I have never used and do not recognize.\n\nMy correct number is on my PNC account. PNC confirmed the number is not anywhere on my account. They sent me to Visa, and Visa sent me straight back to PNC saying the issuing bank controls Visa Secure.\n\nIt has now happened on multiple unrelated websites, so it is definitely tied to the card/authentication system rather than one merchant. \nHas anyone dealt with this with PNC or another bank? Did you ever figure out where the wrong number was coming from or what department actually fixed it? TIA",
    "sentiment": "negative",
    "subreddit": "Banking",
    "post_flair": [
      "Advice"
    ],
    "post_title": "PNC Visa Secure keeps sending verification code to phone number that is not mine",
    "prominence": "core",
    "source_url": "https://www.reddit.com/r/Banking/comments/1w0bez5/pnc_visa_secure_keeps_sending_verification_code/",
    "entity_role": "vendor",
    "post_author": "j_breezy_",
    "upvote_ratio": 0.66,
    "mention_count": 1,
    "mention_surge": false,
    "subreddit_url": "https://www.reddit.com/r/Banking/",
    "total_upvotes": 1,
    "comments_total": 4,
    "total_comments": 4,
    "other_companies": [
      {
        "name": "Visa",
        "role": "partner"
      }
    ],
    "post_author_url": "https://www.reddit.com/user/j_breezy_/",
    "signal_category": "feedback",
    "comments_included": 2,
    "products_mentioned": [
      "PNC business Visa debit card"
    ]
  }
}

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